Geico Auto Insurance Review 2024

Geico earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Geico is the nation’s third 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.

» MORE: The best car insurance companies

Where Geico stands out

Geico offers plenty of discounts and may be an affordable choice for many drivers. The company regularly appears as one of the cheapest options in recent NerdWallet cheap car insurance analyses.

The company also offers a variety of ways to digitally manage your auto insurance policy, including through its website and mobile app. In fact, Geico received an online experience score of 79 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among ten insurers was 78, and the highest was 82.

Where Geico falls short

Geico doesn’t offer gap insurance. And if you prefer to work directly with an agent, you might have difficulty finding one near you. The company has a limited number of local agents depending on the state you live in.

Geico doesn’t rank as high for customer satisfaction as some other auto insurers. The company has close to the expected number of complaints you’d expect for a company of its size, and in J.D. Power’s 2023 study of overall customer satisfaction^[0]

Compare to other insurers

How much does Geico car insurance cost? 

Geico car insurance costs $1,846 per year on average for full coverage insurance. That is more than $100 a year less than the average national rate of $1,982 per year. Compared to other large insurers, Geico’s rates fall toward the front of the pack. 

These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Our full coverage rates include liability, comprehensive, collision and any additional insurance a state requires a driver to have. These rates are averages, and your own price will depend on your driving history, car make and model, location and other factors. 

For more information on Geico car insurance rates, including rates after an at-fault accident or DUI, check out the dropdown below.

How Geico's rates compare

Your car insurance rate is determined by a variety of factors including your driving record and credit history in most states.

Here are Geico’s average annual auto insurance rates compared to 2024 national averages for full coverage insurance and four driving profiles.

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 or leased 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.

» MORE: Compare auto insurance rates 

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 airbags, 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.

Complaints and customer satisfaction

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

Geico received an overall satisfaction score of 78 out of 100 from a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among seven insurers was 78, and the highest was 82.

Geico ranked below average in J.D. Power’s 2023 auto claims insurance study^[0]

More about Geico 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.

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

Life, 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.