Geico Auto Insurance Review 2023

Kayda Norman
By Kayda Norman 
Edited by Ben Moore

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Our Take


NerdWallet rating 

The bottom line:

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

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

Pros & Cons


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


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

Full Review

Geico earned 4.5 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 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.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

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 77 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among 10 insurers was 75, and the highest was 80.

Where Geico falls short

Geico doesn’t offer gap or rideshare 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 2022 study of overall customer satisfaction, Geico was ranked the seventh insurer out of eight.

Compare to other insurers

Current Product

Geico Auto Insurance
State Farm Auto Insurance
Travelers Auto Insurance
NerdWallet rating 


NerdWallet rating 


NerdWallet rating 



Complaints to NAIC 

Close to expected

Complaints to NAIC 

Fewer than expected

Complaints to NAIC 

Fewer than expected

Ease of use 


Ease of use 

Above average

Ease of use 



Great set of discounts


Average set of discounts


Great set of discounts

Bottom line 

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

Bottom line 

State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Bottom line 

Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

How much does Geico car insurance cost? 

Geico car insurance costs $2,009 per year on average for full coverage insurance. That is almost $140 a year less than the average national rate of $2,148 per year. Compared to other large insurers, Geico’s rates fall in the middle of the pack. 


Average annual rate for drivers with a clean record

State Farm


American Family
















*USAA auto insurance is available only to active-duty military members, veterans and their families.

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. California, Hawaii, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates.

Here are Geico’s average annual auto insurance rates compared to 2023 national averages for full coverage insurance and four driving profiles.

Driving profile

Geico average rate

National average rate

Good driver, good credit



Recent at-fault accident, good credit



Recent DUI, good credit



Good driver, poor credit



🤓Nerdy Tip

If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.

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.

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.

🤓Nerdy Tip

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

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 76 out of 100 from a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among seven insurers was 77, and the highest was 82.

Geico ranked just above average in J.D. Power’s 2022 auto claims insurance study but was below average in its 2022 auto insurance shopping study.

2022 J.D. Power study

Geico ranking

Auto insurance shopping

No. 7 out of 8 companies.

Auto insurance claims satisfaction

No. 9 out of 21 companies.

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.

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 using Amazon 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.


2022 auto insurance survey methodology

The survey of 7,755 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June 2022. 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, trustworthiness and customer support on a scale of 1-100.

Of those respondents: 300 were Progressive, 300 were State Farm, 299 were Allstate, 299 were Geico, 121 were USAA, 116 were Liberty Mutual, 105 were American Family, 105 were Farmers, 105 were Travelers and 101 were Nationwide.

The results have been weighted to be nationally representative. Additional subgroup sample sizes may be available upon request. Any differences noted between subgroups have been tested at 95% confidence level.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. 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 and full ratings methodology for auto insurance.

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.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions: -For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state. -We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.” -For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage. -For drivers with a DUI, we added a single drunken-driving violation.

We used a 2020 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, 60 and 70.

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

Frequently asked questions