Geico Car Insurance Review [2024]

This Geico car insurance review highlights two significant benefits: affordable rates and valuable discounts. Geico offers car insurance starting at $30 per month, making it one of the most budget-friendly options on the market.

Policyholders can also enjoy Geico car insurance discounts when bundling auto insurance with home or renters insurance.

Geico Car Insurance Rating

Rating Criteria
Overall Score	4.5
Business Reviews	4.5
Claim Processing	4.8
Company Reputation	4.5
Coverage Availability	50
Coverage Value	4.4
Customer Satisfaction	4.5
Digital Experience	5.0
Discounts Available	4.7
Insurance Cost	4.4
Plan Personalization	4.5
Policy Options	4.1
Savings Potential	4.5

Additionally, Geico offers a mobile app with features like digital ID cards and claims tracking, making it easier to manage policies on the go. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.

Geico Car Insurance Review

Geico is one of the largest and most recognized auto insurance providers in the U.S., known for its catchy ads and competitive rates.

Below, we list everything you need to know about Geico car insurance, from its coverage options, including rental car reimbursement coverage and costs, to customer satisfaction and business reviews.

Geico Coverage Cost

Location, age, driving record, and coverage selection all impact Geico car insurance prices. Compared to other big-name insurers, it is usually said to be cheaper —especially for drivers with clean driving records.

Geico Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Costs will depend upon state details and the level of coverage. In addition, Geico provides many discounts, such as on-motorist discounts and bundling policy discounts, that further reduce premiums.

Some drivers find the Geico mobile app intuitive, and many policyholders are satisfied with customer service, making it a solid pick for value-conscious consumers, especially those seeking car insurance for a bad driving record.

Geico Average Cost vs. Competitors

When comparing costs, Geico insurance rates often rank among the most competitive in the industry. While companies like State Farm, Progressive, and Allstate are close competitors, Geico typically offers lower rates for drivers with clean records and even for young drivers, a demographic known for higher premiums with car insurance companies.

According to some industry studies, Geico’s rates are approximately 10-15% below the national average, making it a popular choice for budget-conscious drivers.

Coverage Options Offered by Geico Car Insurance

Geico car insurance offers a range of coverage options that are appropriate for most needs. It offers the standard options: liability, collision, and comprehensive coverage, which excludes vehicle damage from accidents but enhances those with theft and more. Geico provides flexible options if you’re wondering if you should switch to liability-only car insurance.

Geico Average Monthly Car Insurance Rates by State

Uninsured/underinsured motorist coverage pays for expenses if the at-fault driver has inadequate insurance. Medical Payments (MedPay) or Personal Injury Protection (PIP)—which cover you and the passengers in your vehicle regardless of fault—are also daily. 

Available Discounts with Geico Car Insurance

Geico auto insurance provides a wide range of discounts that can significantly lower premiums for eligible drivers:

• Good Driver Discount: For accident-free drivers.
• Multi-Policy Discount: When you bundle multiple policies, such as auto and homeowners.
• Military Discount: For active-duty and retired military members and National Guard or Reserves.
• Federal Employee Discount: The Eagle discount is available to federal employees.
• Student Discounts: For good students or young drivers who have taken a driver’s education course.
• Vehicle Safety Features Discount: This discount is available for vehicles with safety features like airbags, anti-lock brakes, and anti-theft devices.

Geico offers discounts to help drivers reduce premiums, including savings for good drivers, policy bundling, military personnel, federal employees, and students. Additional discounts are available for vehicles with safety features like airbags and anti-theft devices.

Customer Reviews of Geico Car Insurance

Customer reviews of Geico Insurance Company are generally positive. Many policyholders appreciate the company’s affordable rates and the convenience of its online and mobile app platforms.

Geico’s app is well-regarded, allowing users to easily handle policy details, file claims, and request roadside assistance. However, some reviews highlight occasional issues with claims processing times and customer service responsiveness.

Business Reviews and Ratings

Government Employees Insurance Company has built a strong reputation in third-party industry assessments, consistently earning high marks for its performance and reliability. In J.D. Power’s annual customer satisfaction studies, Geico ranks above average, especially for its cost-effectiveness and user experience.

Geico Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 857 / 1,000 Above Avg. Satisfaction
	Score: A+ Great Business Practices
	Score: 74/100 Good Customer Satisfaction
	Score: 0.55 Fewer Complaints Than Avg.
	Score: A++ Superior Financial Strength

Its financial stability is well-recognized, with an A++ (Superior) rating from AM Best, indicating a robust capacity to meet claims obligations.

Additionally, Geico holds an A+ accreditation with the Better Business Bureau (BBB), though, like many insurers, it has received some customer complaints related to claims handling and customer service responsiveness. For a better understanding, consider comparing car insurance with other leading providers.

Pros and Cons of Geico Car Insurance

Geico car insurance is a significant player in the U.S. insurance market, known for its affordability and extensive discount options. If you’re considering Geico, it’s helpful to weigh both the benefits and potential drawbacks. Below, we break down the main pros and cons of Geico car insurance to help you decide if it aligns with your needs.

Pros

• Affordable Rates: Geico consistently offers some of the lowest rates in the industry, especially for drivers with clean records and young drivers.
• Extensive Discounts: With a wide variety of discount options, including those for good drivers, military personnel, federal employees, and students.
• User-Friendly Mobile App and Website: Geico’s app is well-regarded for its ease of use. It allows policyholders to manage their accounts, pay bills, file claims, and access roadside assistance all in one place.

Cons

• Customer Service Concerns: While Geico’s customer service is generally satisfactory, some policyholders report delayed response times or unhelpful experiences with claims adjusters.
• Limited Local Agent Network: Unlike companies like State Farm or Allstate, Geico doesn’t emphasize a strong in-person agent presence. 

In summary, Geico car insurance is ideal for drivers who value competitive pricing, digital convenience, and the security of a well-established company. After weighing the pros and cons, you can decide if Geico car insurance aligns with your preferences and driving needs or if you’re looking for the cheapest car insurance in the world.

Evaluating the Value of Geico Car Insurance

Geico car insurance offers an affordable, well-rounded selection of coverages with plenty of discounts, making it a strong choice for drivers seeking low-cost, reliable insurance. With excellent mobile tools, Geico simplifies managing policies and filing claims online, but drivers looking for a highly personalized experience with local agents may find Geico’s service a bit impersonal.

Geico car insurance is highly rated for budget-friendly premiums and accessible service options, making it a solid choice for many drivers. For more information, read our “Geico Motorcycle Insurance Review.”

Finding cheap car insurance quotes is easy. Enter your ZIP code into our free comparison tool to instantly compare quotes near you.