Geico Car Insurance Review

Is Geico Car Insurance Good?

Scores earned for customer service, claims handling, and other subcategories, plus below-national-average rates, indicate Geico could be a good car insurance option for many drivers. It may be especially appealing for those who seek competitive rates in driver categories such as teen drivers or drivers with a speeding ticket or accident. Plus, Geico offers a long list of possible discounts, which may help policyholders realize further savings.

Geico’s sample rates and survey responses around customer satisfaction help it earn a 3.9 out of 5 rating in our analysis.

Geico Customer Service

Geico earns the sixth-place spot in our subcategory rating for customer service. Our results, which rely on survey responses and other sources, show USAA scores the highest for customer service and Auto-Owners is a close second. When survey respondents were asked how satisfied they were with the customer service they received from Geico, 53% of them noted they were completely satisfied with the service provided, and over 53% said they were completely satisfied with the ease of contacting customer service at Geico.

Geico Claims Handling

Geico ties for sixth when it comes to claims handling, earning a score of 4.1 out of 5.0. USAA and Auto-Owners scored highest in this category. Over 45% of survey respondents were completely satisfied with the ease of filing a claim with Geico, while almost 55% were completely satisfied at how their claim was resolved. When it came to getting updates about their claims from Geico, 45% responded they were completely satisfied with the updates.

Geico Customer Loyalty

Geico also ties for sixth among the insurers in our rating for customer loyalty, with Auto-Owners taking the top spot and USAA a close second. Among survey respondents, 82% noted they were either likely or very likely to renew their policies with Geico. Just over 77% said they were either likely or very likely to recommend Geico to someone looking for auto insurance.

Geico for Senior Drivers

Geico is the fourth best car insurance company for senior drivers in our subcategory rating, earning a score of 4.1 out of 5. Although the company didn’t have the lowest sample rates for senior drivers on our list, its rates are 7% below the national average for both male and female adults aged 60. Note that in rating companies for senior drivers, we relied on survey responses from participants 55 and older.

Geico Discounts

Geico offers an array of discounts for its policyholders, ranging from good driver to multivehicle. It is No. 6 for discounts among companies in our rating. About 30% of respondents said they were completely satisfied with the number of discounts Geico offers.

How Much Is Geico Car Insurance?

Our study found a sample annual rate for Geico of $1,778, which is less expensive than several other companies included in our study and about 14% less than the national average. Geico posted competitive rates across all demographics compared to the national average, and was significantly less expensive than the national average for both male and female teen drivers. Geico also posted rates lower than the national average for other categories, including drivers with a speeding ticket or accident.

Geico Rates for Teen Drivers

Geico doesn’t have the least expensive average rates for 17-year-old female and male drivers, but it isn’t the most expensive either in this category and is well below the national average. For 17-year-old female drivers, Erie has the lowest average annual rate we found at $3,478. It also has the lowest sample rates for 17-year-old male drivers, averaging $4,351 annually. It’s worth noting that Erie only sells car insurance in 12 states and Washington, D.C.

Geico Rates for Young Adult Drivers

Geico’s rates for young adult drivers are about 20% below the national average, according to our research. USAA posted the lowest rates in our analysis for female and male young adult drivers, with an annual rate of $1,612 and $1,685, respectively. But USAA car insurance is only available to military members, veterans, and their families. Nationwide had the second-lowest rate for single 25-year-old female drivers, averaging $1,892 annually, while Erie had the second-lowest for single 25-year-old male drivers at $1,898.

Young adults typically pay lower rates than teen drivers – they’re viewed by insurers as more experienced and less risky to insure. Learn more about which insurers offer the best rates for young adults.

Geico Rates for Adult Drivers

Geico’s rates are, on average, about 12% less than the national average for married 35-year-old female drivers and 10% less for married 35-year-old male drivers. USAA posted the lowest rates for married adult drivers, averaging $1,224 per year for female adult drivers and $1,232 for male drivers in this age group.

Geico Rates for Senior Drivers

Geico’s sample premiums are 7% below the national average for both female and male 60-year-old married drivers. USAA had the least expensive averages: $1,125 per year for females and $1,131 for males in this age group. Erie also had much lower rates, with average annual costs of $1,277 for 60-year-old female drivers and $1,224 for males.

Geico Rates After a Speeding Ticket

Geico Rates After an Accident 

Geico Rates After a DUI

Geico Rates for Drivers with Poor Credit

How Much Is Minimum Coverage Car Insurance With Geico?

How Much Is High Coverage with Geico?

Some states don’t allow gender to be considered in setting car insurance rates, and some states restrict the use of credit-related information in determining what drivers pay for a policy.

The Rising Cost of Car Insurance

Our research indicates the cost of car insurance has increased substantially over the past year, and the data shows how much consumers may be feeling the sting. In some cases, average annual car insurance costs among companies in our rating increased more than $1,200 year over year. Every company reviewed has a higher sample rate in 2024 than it did in 2023. For a better idea of which companies offer the most competitive rates for certain driver groups, check out our report on the cheapest car insurance companies.

Geico Car Insurance Discounts

Geico has a number of possible discounts to help customers save on their policies. Discounts available from Geico may include the following:

Geico vs. the Competition

FAQ

Methodology: How We Found the Best Car Insurance Companies and Collected Our Rates