Geico Auto Insurance Review August 2022

Aug 1, 2022

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Our Take

4.5

NerdWallet rating 

The bottom line:

With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

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Geico Auto Insurance
Geico
NAIC complaints
Close to expected
Ease of use
Above average
Discounts
Great set of discounts

Pros & Cons

Pros

  • Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
  • Robust website and mobile app.
  • Many discounts available.

Cons

  • Doesn’t offer gap or rideshare insurance.
  • Limited network of local agents.

Full Review

Geico is the nation’s second-largest auto insurance company, known primarily for low rates offered directly to consumers online and over the phone. It is available in all 50 states and Washington, D.C.

Is Geico a good insurer?

Yes, Geico is a good insurance company for most. If you’re looking for an affordable car insurance policy, and you’re comfortable managing your own accounts online when an agent isn’t nearby, Geico might be right for you.

Geico is among NerdWallet’s best car insurance companies.

Geico is best for drivers who:

  • Prefer online interactions and want a tech-friendly company.

  • Are looking for a household name.

  • Want a company that offers a wide range of discounts.

Where Geico stands out

Average auto insurance rates. On average, Geico has the cheapest annual full coverage auto insurance rates among large insurers in our analysis. See our average rates methodology for more details.

Keep in mind, these are averages and your own rate will differ. To find the cheapest car insurance for you, compare auto insurance rates with at least three insurers once a year.

Discounts. Geico has more discounts than most other auto insurance companies. Besides the usual discounts, you may be able to save if you are a member of certain professional organizations or an active or retired federal employee.

Where Geico falls short

Doesn't offer certain car insurance policies. Although the company offers a wide range of products, it doesn't sell gap or rideshare insurance.

You may want gap insurance if you have a car loan or lease. Gap insurance pays out when the amount left on your car loan or lease is greater than the value of your vehicle at the time it’s declared a total loss. Meanwhile, rideshare insurance is usually necessary if you are driving for a rideshare company or food delivery service to avoid a gap in your auto insurance coverage.

Customer complaints. Geico has close to the expected number of complaints when compared to other insurers its size.

Ability to get a quote on the phone. Although Geico sells policies nationwide, customers in certain states may not be able to get a quote over the phone. However, drivers in all states can get a quote through the company's website, app or a local Geico agent.

Geico auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

In addition to typical car insurance coverage choices, Geico offers mechanical breakdown coverage. This covers repairs to all mechanical parts of a new car, less than 15 months old and with fewer than 15,000 miles, except problems caused by wear and tear. There’s a $250 deductible.

Mechanical breakdown coverage is renewable for up to seven years or 100,000 miles, whichever comes first, and does not pay for regular maintenance, such as tuneups.

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Auto insurance discounts

Geico has a long list of car insurance discounts, so there’s a good chance you can find a price break that applies to you. Although details vary by state, you may be eligible for discounts for:

  • Having safety equipment, like air bags, anti-lock brakes, daytime running lights or an anti-theft system.

  • Owning a vehicle that is three model years old or newer.

  • Driving for five years with no accidents.

  • Using seat belts.

  • Completing a defensive driving course, or driver’s education for a young driver.

  • Having good grades, if you or someone on your policy is a full-time student.

  • Participating in an emergency deployment with the U.S. military.

  • Being an active or retired military service member or a member of the National Guard or Reserves.

  • Being an active or retired federal employee.

  • Insuring more than one vehicle with Geico.

  • Buying a homeowners, renters, condo or mobile home policy through Geico.

  • Being a member of organizations, such as alumni associations or sports groups.

Pricing based on tracked driving habits

In many states, Geico offers a program called DriveEasy, which uses a smartphone app to track habits such as speeding, hard braking and using your phone while driving. You can get a discount for safe driving, but in some states you may end up paying more if the app finds you to be a riskier driver.

Nerdy tip: First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Complaints and customer satisfaction

Geico had close to the expected number of complaints to state regulators relative to its size for auto insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

Geico ranked in the middle of the pack in two 2021 J.D. Power auto insurance studies.

2021 J.D. Power study

Geico ranking

Auto insurance shopping

No. 4 out of 8 companies.

Auto insurance claims satisfaction

No. 8 out of 18 companies.

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Geico received an overall satisfaction score of 77 out of 100 by a pool of its customers in a NerdWallet survey conducted online in July 2021. To put that in perspective, the average score among seven insurers was 79, and the highest was 83.

More about Geico auto insurance

Website: You can learn about and get a quote for many types of insurance through Geico’s website, and you can also submit a claim or make a payment. Additionally, the site has a feature to help you find the cheapest gas station near you.

App: Geico’s mobile offering for iOS and Android helps you keep track of your policy and billing details, access your digital auto insurance ID card, pay bills and submit claims. You can also use the app to request roadside assistance and track your car’s maintenance history.

Voice assistance: Geico’s virtual assistant is a feature of its mobile app that can answer your insurance questions and provide specific policy information. Your Geico account is also accessible through Amazon’s Alexa and Google Assistant.

Geico’s phone number is 800-207-7847.

Homeowners and renters insurance from Geico

Geico offers home insurance through partner companies. To learn more about the coverage options available, read our Geico homeowners insurance review.

Geico also offers renters insurance through its partners. To read about this program, see NerdWallet’s Geico renters insurance review.

Other insurance from Geico

Geico sells the following types of insurance:

  • Motorcycle insurance.

  • Insurance for all-terrain vehicles.

  • Recreational vehicle insurance.

  • Boat or personal watercraft insurance.

  • Commercial auto insurance.

  • Umbrella insurance (some policies sold by a third party).

Geico offers other policies through third parties, including:

  • Collector insurance for classic cars.

  • Condo and co-op insurance.

  • Mobile home insurance.

  • Pet insurance.

  • Life insurance.

Methodology

2021 auto insurance survey methodology

This opt-in survey of 7,586 adults ages 18 and older was conducted online by NerdWallet, July 8-26, 2021. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience and trustworthiness on a scale of 1-100. Only brands with 100 or more qualifying respondents are reported — 300 of the respondents were current Geico policyholders.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

$100,000 bodily injury liability coverage per person.

$300,000 bodily injury liability coverage per crash.

$50,000 property damage liability coverage per crash.

$100,000 uninsured motorist bodily injury coverage per person.

$300,000 uninsured motorist bodily injury coverage per crash.

Collision coverage with $1,000 deductible.

Comprehensive coverage with $1,000 deductible.

We used a 2019 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50 and 60.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Frequently asked questions