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Bankrate Insight

  • Full coverage car insurance with Geico costs an average of $1,405 per year.
  • Geico provides auto, home, condo, renters, pet, life, business and travel insurance, among other products.
  • J.D. Power ranks Geico’s customer service as average and the National Association of Insurance Commissioners (NAIC) receives a higher-than-average number of complaints about Geico.

Geico car insurance

Geico car insurance offers coverage for more than merely cars. Whether you have a car, truck, collectible car or an ATV, Geico has a policy to insure it .

Types of coverage

  • Private passenger auto insurance
  • Motorcycle insurance
  • ATV insurance
  • RV insurance
  • Rideshare and on-demand delivery drivers insurance
  • Collector auto insurance
  • Car insurance for driving in Mexico
  • Commercial vehicle insurance

Geico ’ s wide range of car insurance merchandise types might make it easy for you to insure all your vehicles in one station, which could make handling your insurance much easier .

Cost of Geico car insurance

Geico ’ second average premiums are quite a moment lower than the national average cost of cable car indemnity in the U.S. Currently, the average monetary value of minimal coverage in the U.S. is $ 565 per class. For full coverage, the average annual monetary value is $ 1,674. Below are the average amounts Geico customers pay :

Geico average annual premium for minimum coverage Geico average annual premium for full coverage
$433 $1,405

Drivers who choose Geico save an modal of $ 132 for minimum coverage and an average of $ 269 for fully coverage. Geico ’ s low average rates might be due to the ship’s company ’ sulfur hanker tilt of discounts. The company offers savings for a range of situations, which could help keep premiums low .


Although discounts may vary by state of matter, Geico ’ s extensive tilt of discounts includes :

  • New vehicle discount
  • Good student discount
  • Defensive driving discount
  • Good driver discount
  • Seat belt use discount
  • Multi-vehicle discount
  • Multi-policy discount
  • Vehicle equipment discounts
  • Driver education discounts
  • Military service member discount
  • Emergency deployment discount
  • Federal employee discount
  • Membership and employee discounts

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Geico home and renters insurance

Geico policy for homeowners and renters covers you for a variety show of situations, including place price and injuries that your guests sustain. Every policy is alone, so reading your paperwork and reviewing your coverage with your agent can help you understand precisely what is covered, but most Geico policies include the trace :

Types of home insurance coverage

  • Property damage from fire, wind, hail and water
  • Personal property such as furniture, clothing, appliances and dishes
  • Jewelry (up to the specified limit)
  • Personal liability
  • Medical bills
  • Additional living expenses like hotel costs

policy policies are individual. While most standard base policy policies from Geico include these coverage options, some coverages could be excluded under your policy. Reviewing your policy with a license insurance professional might help you better understand what coverage you have .

Types of renters insurance coverage

barely like home indemnity, Geico ’ second renters policy is customizable, so your policy might have different coverages than the ones listed below. however, under a standard Geico renters indemnity policy, you have coverage for the follow :

  • Fire, wind and water damage
  • Smoke damage
  • Vandalism or theft
  • Visitor injuries
  • Accidental damages to someone else’s property
  • Medical and legal bills if someone is injured on your property
  • Expenses such as hotel costs if your apartment/condo becomes uninhabitable
  • Damaged furniture, electronics, appliances or clothing

There are besides extra add-ons or endorsements you can purchase to customize your coverage. You could add indemnity for high-value items such as jewelry, sporting goods or electronics .


You might be able to lower your property policy premium by taking advantage of Geico ’ s property policy discounts. Like car indemnity discounts, property insurance discounts can vary by state, so talking with an agent might be the best way to identify ways to save. Some of Geico ’ s property discounts include :

  • Home security system discounts
  • Sprinkler and smoke alarm discounts
  • Multi-policy discounts

Geico life insurance

Geico is not the most well-known for its life sentence policy policies, but it provides three types of life indemnity coverage .

Term life

Term life policy is one of the most common types of life indemnity and is known for being more low-cost than permanent policies. Term policies provide coverage for a specific amount of fourth dimension, normally between 10 and 30 years. Term policies can be a good option if you need coverage on a budget or if you only need coverage for a certain sum of time, such as while you pay off a mortgage. Geico offers a No-Med examination policy for those who may not pass a traditional life indemnity health cover .

Whole life

whole liveliness indemnity policies offer permanent coverage, mean you are covered for the duration of your life. Because of this, they tend to be more expensive than term policies. wholly life policies frequently come with know benefits, like cash value, which you can use while living to help supplement your income .

Universal life

Universal life is another form of permanent wave life policy but has a few more features than whole animation. Universal biography insurance is a more flexible option for those who want permanent coverage but want the ability to update their policy. With a universal life policy, you may be able to update your bounty sum and your death benefit. If you are considering purchasing a biography insurance policy from Geico, you might be able to get a quote on-line. You can besides check out the life indemnity frequently asked questions page for more information on life policy and who can benefit from having it .

Geico ratings, reviews, customer satisfaction and complaints

J.D. Power & Associates

J.D. Power scores companies for customer gratification in unlike regions of the United States. here ’ s how Geico performed throughout the state in 2021 :

Region Score Ranking
California 828/1,000 4th place
Central 845/1,000 5th place
Florida 823/1,000 6th place
Mid-Atlantic 835/1,000 5th place
New England 841/1,000 3rd place
New York 827/1,000 4th place
North Central 837/1,000 8th place
Northwest 821/1,000 5th place
Southeast 843/1,000 6th place
Southwest 829/1,000 5th place
Texas 832/1,000 6th place

This particular J.D. Power study ranked car insurance companies based on bill processes, policy information, claims, overall customer interactions, policy offerings and monetary value .

AM Best

AM Best is an freelancer representation that measures a company ’ second fiscal lastingness. A potent fiscal score suggests that a company could more easily handle a position where there are a big number of claims within a short time period. Geico ’ s AM Best fiscal potency seduce is A++ ( Superior ), the highest grade possible .

National Association of Insurance Commissioners

Geico ’ s complaint index denounce with the National Association of Insurance Commissioners ( NAIC ) is 1.70. A score of 1.00 represents a service line number of complaints, therefore Geico ’ s 1.70 score indicates that the NAIC receives a greater-than-average act of complaints regarding Geico .

Reasons why Geico is a great option

Geico could be a capital option regardless of the type of insurance you need. The rates it charges are frequently a lot lower than what other companies charge, and you can save a bunch of money through discounts and bundling. year after year, Geico besides receives high rankings from companies like J.D. Power and AM Best. The company ’ south customer satisfaction ratings and fiscal forte have repeatedly shown that Geico is an insurance ship’s company that can serve a across-the-board base of customers .

Additional policies offered by Geico

Customers wanting to consolidate their policy products with one ship’s company might be felicitous to know that Geico offers several different types of policy aside from car, home, renters and life. Check out these extra policies offered by Geico :

  • Business insurance
  • Identity protection
  • Jewelry insurance
  • Overseas insurance
  • Pet insurance
  • Travel insurance
  • Umbrella insurance
  • Boat and personal watercraft insurance

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Frequently asked questions

Why should I choose Geico?

Geico might be a effective option if you are on a nonindulgent budget, as the company ’ randomness rates tend to be lower than many alike companies. This might be due, at least partially, to the long list of discounts that Geico has. Geico besides has exceptional mobile tools, including a mobile app and on-line customer portal vein. however, getting quotes from several companies that might fit your needs is constantly a dependable practice when denounce for car indemnity .

What do I need to get a quote from Geico?

That depends on what type of quote you need. For an car insurance quote, you will need your address, date of birth, driver ’ s license number and the fomite identification count ( VIN ) of each car you want to insure. If you have early drivers in your family, you will besides need their personal information. To get a home policy quote, you will need your mention and go steady of birth and some information about your house, like the class it was built, how old your roof is, and if you have updated any major systems .

How do I file an auto claim with Geico?

The Geico claims process can be completed on-line, over the phone or through their mobile app. When reporting a claim to Geico, you will need to briefly describe what happened, the localization where the accident occurred, and the date and time. It is besides helpful to have your policy information and the policy information for any early involve parties.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 16- to 70-year-old male and female driver with a clean drive record, good credit and the be full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should merely be used for comparative purposes .

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