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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO stands out for its broad coverage options, extensive range of insurance products, and convenient app, making it ideal for one-stop shoppers. But customers who want gap coverage will need to look elsewhere. GEICO also falls behind competitors in terms of claim satisfaction.
GEICO offers cheaper-than-average rates and 23 car insurance discounts to help you save. Founded in 1936 to serve government employees, it’s now one of the most recognized names in the car insurance industry.
Read on to discover the company’s standout features and potential drawbacks to find out if it’s the best car insurance company for you.
For many drivers, GEICO is a strong choice for car insurance. To give you an overview, we’ve ranked the company’s performance across five important metrics, each rated on a scale of 1 to 5.
Category  | Score |
|---|---|
| Cost | 4.7/5 |
| Customer satisfaction | 4.3/5 |
| Policy management | 4.8/5 |
| Availability | 5/5 |
| Industry reputation | 5/5 |
| Overall Score | 4.93/5 |
Score the best car insurance rates for your driving profile.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s propriety Compare.com Rating, which highlights its overall standing among the industry’s best companies.
|  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $106/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $76/mo* |
Overall Rating 4.0 | Overall Rating 3.9 | Overall Rating 3.2 | Overall Rating 3.5 | Overall Rating 4.3 |
Value 4.2/5 | Value 4.1/5 | Value 3.3/5 | Value 3.8/5 | Value 4.9/5 |
Customer Service 4.3/5 | Customer Service 4.4/5 | Customer Service 3.6/5 | Customer Service 4.1/5 | Customer Service 4.4/5 |
Claims Handling 3.9/5 | Claims Handling 3.9/5 | Claims Handling 3.3/5 | Claims Handling 3.5/5 | Claims Handling 4.1/5 |
Special Highlight N/AAI-generated from 239 user reviews | Special Highlight N/AAI-generated from 293 user reviews | Special Highlight N/AAI-generated from 268 user reviews | Special Highlight N/AAI-generated from 161 user reviews | Special Highlight N/AAI-generated from 64 user reviews |
GEICO stands out for its affordable car insurance and nationwide availability. Drivers can easily access policy documents and make changes online or with the mobile app, which earns high marks from customers.
You’ll find a wide variety of coverage options and more than 20 car insurance discounts to help you save, plus additional insurance products for bundling.
While many customers report high satisfaction levels with GEICO, the company falls behind the competition in the Central, mid-Atlantic, and Southwest regions, according to J.D. Power. GEICO’s claims satisfaction rates are also lower than average, and despite the wide range of coverage options, the company doesn’t offer gap coverage or vanishing deductibles.
Nothing can tell you more about how a company operates than word of mouth — and reading reviews is the best way to find out what real customers have to say. Customer reviews give you insight into how an insurance company fulfills its promises, from handling billing issues to the insurance claims process.
Below, we’ve compiled GEICO reviews from Compare.com customers who currently have or have had a GEICO policy.
Rates vary widely from one driver to another, depending on various factors. Some of the most important factors include your age, driving record, vehicle, and credit. That means it’s a good idea to look at average rates for drivers who share a similar profile to understand your potential car insurance premiums.
In this table, we’ve compiled GEICO’s average full-coverage car insurance rates for common driver profiles, according to Compare.com data.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $138 |
| Teens | $248 |
| Seniors | $101 |
| Recent ticket | $185 |
| Recent accident | $168 |
| DUI conviction | $193 |
| Excellent credit | $104 |
| Bad credit | $168 |
Protect your car and your wallet.
Your location is another major factor that determines your car insurance rates. That’s because different states have different insurance laws, road conditions, claims rates, and weather patterns that can affect your risk as a driver.
For example, if you live in a state with frequent hailstorms, you may see higher rates for comprehensive insurance coverage.
The map below shows the average liability and full-coverage insurance premiums for every state according to Compare.com data.
State | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $79 | $137 |
| Alaska | $98 | $134 |
| Arizona | $120 | $163 |
| Arkansas | $68 | $128 |
| California | $112 | $197 |
| Colorado | $92 | $178 |
| Connecticut | $141 | $200 |
| Delaware | $161 | $223 |
| Florida | $159 | $175 |
| Georgia | $182 | $244 |
| Hawaii | $61 | $133 |
| Idaho | $57 | $83 |
| Illinois | $78 | $131 |
| Indiana | $52 | $91 |
| Iowa | $44 | $81 |
| Kansas | $83 | $143 |
| Kentucky | $120 | $182 |
| Louisiana | $105 | $174 |
| Maine | $66 | $118 |
| Maryland | $190 | $250 |
| Massachusetts | $95 | $132 |
| Michigan | $174 | $232 |
| Minnesota | $113 | $170 |
| Mississippi | $73 | $128 |
| Missouri | $99 | $175 |
| Montana | $64 | $119 |
| Nebraska | $68 | $122 |
| Nevada | $200 | $238 |
| New Hampshire | $75 | $92 |
| New Jersey | $254 | $297 |
| New Mexico | $119 | $153 |
| New York | $201 | $219 |
| North Carolina | $73 | $107 |
| North Dakota | $46 | $78 |
| Ohio | $58 | $92 |
| Oklahoma | $91 | $161 |
| Oregon | $93 | $116 |
| Pennsylvania | $103 | $116 |
| Rhode Island | $207 | $250 |
| South Carolina | $121 | $167 |
| South Dakota | $62 | $141 |
| Tennessee | $64 | $121 |
| Texas | $100 | $174 |
| Utah | $85 | $124 |
| Vermont | $59 | $88 |
| Virginia | $114 | $165 |
| Washington | $104 | $148 |
| Washington D.C. | $207 | $304 |
| West Virginia | $92 | $142 |
| Wisconsin | N/A | N/A |
| Wyoming | $41 | $85 |
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During the quoting process, it’s easy to customize policy coverage options, limits, and deductibles or add perks like accident protection. GEICO offers an extensive range of coverage options, including:
Liability insurance: Bodily injury and property damage liability cover the damages you cause to others in an at-fault car accident.
Vehicle coverage: Comprehensive and collision coverage protect your vehicle from at-fault collisions and non-collision events.
Medical coverage: Personal injury protection (PIP) and medical payments (MedPay) pay for your medical expenses after a car accident, no matter who’s at fault.
Uninsured coverage: Uninsured/underinsured motorist protection covers you if you’re hit by a driver with little to no insurance.
Roadside assistance: Emergency roadside assistance covers lockouts, towing, and flat tires.
Rental reimbursement: Rental car coverage provides a daily per diem to help cover the cost of a rental vehicle when your vehicle is in the shop for repairs.
Mechanical breakdown: Similar to a car warranty, mechanical breakdown insurance this coverage pays repair costs due to mechanical issues.
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Car insurance discounts are one of the easiest ways to reduce your premiums. GEICO offers 23 ways to lower your rate. Here are some discounts to help make your coverage more affordable:
Auto-pay: Save when you set up your account to pay your premiums automatically.
Clean record: If you have no recent accidents, you can save up to 22% with this good driver discount.
Defensive driving: Pass an approved driving course to earn a discount of varying value.
DriveEasy: GEICO’s telematics program can save you 5% to 15% by practicing good driving habits.
Federal employee: Government employees can earn a discount of up to 12% with this discount.
Good student: High school and college students with good grades (usually a B average) can save up to 15%.
Military: Active-duty or former service members can save up to 15%.
Multi-policy: Combine your auto insurance with homeowners or other coverage for a bundling discount.
Multi-vehicle: Insure more than one vehicle on your policy and get a discount of up to 25%.
New vehicle: Get 15% off when you insure a car that’s three years old or newer.
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The easiest way to report a car insurance claim with GEICO is by using your mobile app. You can easily submit all details and upload photos of the damage from your phone or online. Alternatively, you can submit your claim over the phone.
Here’s the process:
Submit your claim.
GEICO will assign a claim examiner to walk you through the process and arrange for an adjuster to inspect the damage.
The adjuster inspects damage in person or using the photos you submitted. They can also answer additional questions about your claim.
Once the adjuster submits their findings, you can track the process online or in the app.
Receive a check for repairs or for reimbursement.
| Founded | 1936 |
| Available in | All 50 states |
| Owned by | Berkshire Hathaway |
| National average premium | $138 |
| Mobile app | Android, iOS |
| Customer service | 1 (800) 207-7847 |
| Claims | 1 (800) 841-3000 |
| Primary competitors | Allstate, Farmers, Nationwide, State Farm |
GEICO’s telematics programs reward safe driving with an additional discount. All you need to do is sign up for DriveEasy, download the app, and track your driving habits. The app monitors hard braking, acceleration, and phone use while you’re driving. The better you drive, the bigger the discount.
GEICO’s accident forgiveness program works in two ways. First, you can automatically receive free claims forgiveness by maintaining a clean driving record. You can also pay for upgraded accident forgiveness (available in most U.S. states), as long as you meet the driving record and experience requirements.
In either case, you can use claims forgiveness once to ensure your rates don’t go up after an accident or other car insurance claim.
Beyond car insurance, GEICO offers a wide range of insurance products to help you protect everything from your vehicles to your home to your business. GEICO’s additional insurance options include:
Motorcycle, ATV insurance, and snowmobile insurance
RV insurance and mobile home insurance
Personal watercraft insurance and boat insurance
Collector car insurance
Homeowners
Renters, co-op, and condo insurance
Life insurance
Umbrella insurance
Medical malpractice insurance
Flood and earthquake insurance
Commercial auto insurance
Business insurance
Mobile device protection
Jewelry insurance
Mexico and overseas insurance
Travel insurance
Identity protection
Pet insurance
Compare quotes from top insurers and save money in seconds.
Below, we provide fast answers to the most common questions prospective customers ask about working with GEICO.
Yes. GEICO is a reliable insurance company with a superior financial strength rating, according to AM Best.[4] GEICO earns higher-than-average customer satisfaction scores in California, Florida, New England, and other regions.
That said, its customer satisfaction scores are average or below average in other areas, like parts of the Midwest, Southwest, and mid-Atlantic. The company also has a below-average claims satisfaction score.
GEICO’s car insurance averages $138 per month, according to our data. But your rate can be higher or lower depending on many insurance pricing factors, such as your state, age, and driving history.
GEICO isn’t the most expensive or the cheapest compared to competitors, according to our research. Whether the company is expensive for you will depend on factors like your age, vehicle type, driving record, and where you live. The best way to get a low rate is to compare options, take advantage of discounts, and consider raising deductibles.
No single company will be the best for every driver. The best car insurance company is the one that best meets your needs and wants. That said, many companies — including GEICO, Allstate, and State Farm — have strong reputations for customer service, reliability, affordability, and more.
GEICO receives low scores for claims service, according to J.D. Power. That said, its financial strength rating suggests the company is reliable and fully capable of paying out claims when needed.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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