In this article:
Our Take On Geico: 4.5 Stars
We rate Geico 4.5 out of 5.0 stars and named it the Best Overall in 2022. The policy company ’ s cheap rates and elementary claims serve make it a bright option for most drivers. Geico car indemnity reviews are largely positivist, indicating a authentic claims process and helpful agents. Geico is the second-largest car indemnity provider in the state according to the National Association of Insurance Commissioners ( NAIC ). Since it ‘s such a huge company, it offers many different products. You can find Geico insurance products such as :
- Motorcycle insurance
- Homeowners insurance
- Renters insurance
- Condo insurance
- RV insurance
- Boat insurance
| Geico Pros | Geico Cons |
|---|---|
| Many choices for coverage | Average quotes process |
| High level of customer satisfaction | Usage-based app not available in all states |
| Superior financial strength rating from AM Best and A+ rating from the BBB | |
| Available in 50 states |
Geico Cost And Discounts
Compared to other leading insurers, Geico car indemnity is low-cost. Our review team reached out for a sample quote for a 25-year-old female driver with a 2016 Honda Fit with 50,000 miles. We were quoted just $294 for a six-month Geico insurance policy, which comes out to around $49 per month. here ‘s a look at another Geico quote we received for a marry couple, ages 30 and 31, who drive a 2016 Chevrolet Colorado with 50,000 miles and a 2012 Toyota RAV-4 with 120,000 miles. Because the Colorado is financed, it requires collision and comprehensive coverage, while the RAV-4 does not.
| Geico Auto Insurance Quote | Basic Coverage | Full Coverage |
|---|---|---|
| Liability insurance | $100,000/$300,000/$50,000 | $100,000/$300,000/$50,000 |
| Collision insurance | $500 deductible for Colorado only | $500 deductible for both vehicles |
| Comprehensive insurance | $500 deductible for Colorado only | $500 deductible for both vehicles |
| Medical payments | None | $2,000 |
| Uninsured/underinsured motorist | $100,000/$300,000/$50,000 | $100,000/$300,000/$50,000 |
| Add-ons | Roadside assistance and rental car reimbursement ($30 per day) for Colorado only | Roadside assistance and rental car reimbursement ($30 per day) for both vehicles |
| 6-month premium | $576.10 (or $96.02 per month) | $738.71 (or $123.12 per month) |
Because price is affected by things such as your senesce, gender, accident history, and the type of cable car you drive, the best means to estimate your monthly payment is to get a free quote. Our rate calculate data suggests Geico has some of the best rates for drivers with poor credit a well as young drivers. We besides surveyed 1,000 car indemnity customers on a variety show of topics. Overall, 36 percentage of Geico customers believe they experienced a rate increase without an obvious induce. This is lower than the average of 41 percentage for all companies.
Cheapest Car Insurance Estimates For Drivers With Poor Credit
Below, you can see the five brassy car indemnity companies for drivers with poor credit. Geico is the second-cheapest option overall after USAA. ( California, Hawaii, and Massachusetts do n’t allow insurance companies to use accredit profiles to set rates. )
| Car Insurance Company | Annual Rate Estimate |
|---|---|
| USAA | $1,807 |
| Geico | $2,077 |
| Nationwide | $2,227 |
| Progressive | $2,514 |
| State Farm | $3,616 |
Cheapest Car Insurance Estimates For Young Drivers
We besides found Geico to be a brassy option for unseasoned drivers in their early on twenties. overall, it ‘s besides the second-cheapest company behind USAA.
| Car Insurance Company | Annual Rate Estimate |
|---|---|
| USAA | $1,422 |
| Geico | $1,627 |
| State Farm | $1,765 |
| Progressive | $2,029 |
| Nationwide | $2,293 |
Unless you ’ re in the military or have a family member with USAA, we think Geico provides some of the cheapest car insurance policies around. The average annual bounty with Geico for know drivers with houseclean drive records is around $1,470, according to our monetary value research. This is about 27 % cheaper than the national average.
Geico Insurance Cost By State
What you pay for car policy from Geico besides depends on your location. Drivers in some states may pay equally little as $ 1,000 per year, while others could pay $ 2,000 or more for wide coverage policy based on localization alone. here ‘s an overview of Geico ‘s insurance costs by state, along with each state ‘s average according to our rate estimates.
Geico Discounts
When you get a quotation mark from Geico, ask about car indemnity discounts. There are numerous ways to save on coverage.
| Geico Insurance Discounts | Eligibility Details |
|---|---|
| Multi-Policy Discount | Get a discount for bundling auto and home insurance or another type of coverage. |
| Multi-Vehicle Discount | Save up to 25% when you add a second vehicle to your policy. |
| Good Student | Save up to 15% for maintaining a high grade point average. |
| Good Driver | Save up to 26% when you remain accident-free. |
| Driver’s Education Course | Lower your Geico auto insurance premium by taking a driver training course. |
| Defensive Driving Course | Lower your premium by taking a defensive driving course. |
| New Vehicle Discount | Earn up to 15% off by insuring a new car with Geico. |
| Military Discount | Earn up to 15% off for your military affiliation. |
| Emergency Deployment | Save up to 25% when you are deployed with the military. |
| Federal Employee Discount | Save up to 8% on car insurance as a federal employee. |
| Membership and Employee Discount | Save on an insurance policy as a member of certain professional and alumni associations. |
| Safety Features | Receive discounts for having air bags (25% to 40%), anti-lock brakes (5%), anti-theft systems (25%), and daytime running lights (1%) in your vehicle. |
| Seat Belt Use | Earn up to 15% off MedPay or PIP coverage by driving safely. |
Geico Insurance Coverage
As a full-service supplier, Geico offers the six standard types of cable car policy :
- Liability auto insurance (bodily injury/property damage liability)
- Collision insurance
- Comprehensive car insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage (UM/UIM)
Geico besides offers some extra coverage options that set it apart from early providers.
| Geico Car Insurance | Details |
|---|---|
| Roadside assistance | Emergency road service coverage is available for a small fee – you can get it for as little as $14 per year. It includes jump-starts, spare tire installation, towing to a repair shop, and lockout services up to $100. |
| Rental car reimbursement | This coverage pays for the costs of a rental car while your car is being repaired after a covered claim. Geico works with Enterprise Rent-A-Car, which means your insurance will pay Enterprise directly. |
| Mechanical breakdown insurance | Geico mechanical breakdown insurance is similar to an extended warranty. Under an MBI plan, Geico will pay for repairs to any covered mechanical part on your car. This excludes wear and tear, tuneups, and maintenance items. Your car is only eligible if it is under 15 months old or has fewer than 15,000 miles. |
| Rideshare insurance | If you drive for Uber or Lyft, you’re covered while waiting for, driving to, and carrying passengers. |
While other wayside aid plans may offer more service options, Geico ‘s design covers the basics at an low-cost price. Compared to AAA ’ s cost of $ 50 to $ 100 per year, it ‘s a reasonably good hand for those who are insured by Geico. Overall, customers who have left Geico car indemnity reviews seem pleased with the kind of coverage.
Geico Claims Department Number
The Geico claims department count is 800-841-3000. You can besides file your claim through the Geico mobile app or at geico.com/claims.
How Does Geico Pay Claims?
once your claim is approved, Geico will mail a check directly to your provide address. This check will cover the claim total minus your deductible and is typically mailed within 48 hours after approval.
Geico Home Insurance
many drivers choose to bundle their home and car policy coverage together to save money. Geico homeowners insurance covers property damage from burn, wreathe, hail, and sometimes body of water ( depending on the policy ). other coverage options include personal place, jewelry, personal liability, medical bills, and expenses incurred during a cover loss.
Geico Life Insurance
Geico sells term, solid, and universal life insurance. These options can cover your debts and replace your income for your beneficiaries in the consequence of your death. Term life insurance applies over a specific period of prison term, while whole and universal biography insurance policies do n’t expire. Term life sentence can be a good option if you equitable want security while you have a large fiscal load, like a mortgage, while unharmed life can help you leave more money or fund a trust for beneficiaries.
Geico Auto Insurance Reviews And Ratings
Geico has firm reviews for its easy policy claims process and helpful customer overhaul. In the J.D. Power 2021 U.S. Auto Insurance StudySM, Geico earned a atonement ranking above the regional modal in California, the Central area, and New England. The insurance company used to rank higher in this view, but satisfaction ratings have dipped recently. placid, there are many positive Geico policy reviews on sites including Trustpilot and the Better Business Bureau ( BBB ). On the BBB web site, Geico has an A+ rat, indicating that it promptly responds to customer complaints. According to our cable car insurance survey, 79 percentage of Geico customers were quenched with the company to some academic degree. This put Geico in the top five companies by satisfaction level.
Positive Geico Auto Insurance Reviews
In positive Geico policy reviews, customers praise the ease of communication with the caller ‘s representatives.
“ I ‘ve used Geico for the last [ seven ] years, and they have done a bang-up caper for me. No issues with claims. No reactive rate hikes after claims. great communication. I ‘d recommend this company. ” – Mark C. via BBB
“ I have been with this indemnity company for [ nine ] years now, and they have constantly been so capital to work with ! They help every time I call and are always so friendly. I am proud to call them my policy company. When I was in my first accident, they made the whole procedure so comfortable and got me into a rental within the next business day. ” – C.J. Fritz via BBB
Negative Geico Auto Insurance Reviews
While Geico has positive comments from customers overall, the company has received some complaints excessively.
“ awful company if you ever have to file a claim … When it was determined that six months belated that an engine failure was most likely due to previous damage to work done under [ a ] previous claim, they were entirely unresponsive. They refused to evening come and see the vehicle damage at the franchise. ” – Toure P. via BBB
“ Geico very takes [ their ] time with handling claims. You may save money with Geico, but you waste a lot of time. I responded to a farcical sum personnel casualty total for my car ( barely half of what I paid for [ the ] vehicle and not even one-half of what [ it was ] valued at ) at 11:00 AM and was told that he would review everything on Tuesday. nowadays is Friday ! ” – Brittaney P. via BBB
Compared to early insurers, Geico ’ mho on-line customer review profile is good. however, Geico ’ s ratings aren ’ t the best in the industry, and claims gratification can vary depending on where you live. If you ’ re considering a policy with Geico, research Geico policy reviews specific to your country or city.
How Geico Works
hera are a few things to know before starting a Geico policy.
Does Geico charge a cancellation fee?
Geico does not charge a cancellation fee. You can cancel your Geico policy by calling 800-841-1587 and speaking with a Geico policy agent.
How long does it take Geico to refund a payment?
The clock it takes to receive a refund from Geico may depend on your payment method acting and policy. You may receive a refund within a matter of days, but the march can take several weeks. If you have not received a refund within a month you should contact Geico.
What time does Geico process payments?
The total of clock it takes for Geico to process your payment depends on your payment method. If you make a requital through the Geico mobile app, on the Geico web site, or over the phone, your payment should be processed immediately. These services are available 24/7.
Does Geico have gap insurance?
Geico does not offer break insurance. Gap policy covers the difference between your car ‘s value and what you owe on a loanword in the event of a sum loss. other indemnity providers like USAA offer it, as do a number of car lenders.
Geico Auto Insurance Apps
With the Geico Mobile app, you can view indemnity documents, pay bills, charge claims, and request wayside aid. More than 3 million Geico customer reviewers give the app an average of 4.8 out of 5.0 stars in the App Store, and over 400,000 users give it 4.7 out of 5.0 stars in Google Play. Depending on your insurance design, the app besides has the functionality to schedule damage inspections, rentals, and repairs. Geico ‘s early app is DriveEasy®, a usage-based drive program that became available in some states in 2019. The app tracks things including perturb drive, hard brake, and time spent on the road. Unlike Progressive ’ s Snapshot, it ca n’t raise your car policy rates, but it can lower them. indeed army for the liberation of rwanda, DriveEasy is available in the follow states :
| Alabama | Arizona | Colorado |
| Connecticut | District of Columbia | Florida |
| Idaho | Illinois | Indiana |
| Iowa | Louisiana | Kentucky |
| Maryland | North Carolina | Nevada |
| New Jersey | New Mexico | Ohio |
| Oklahoma | Oregon | Pennsylvania |
| South Carolina | Tennessee | Texas |
| Utah | Virginia | Wisconsin |
Other Recommended Providers
While Geico is a authentic choice for most drivers, we encourage getting quotes from multiple providers so you can compare coverage and rates. In addition to the policy party you choose, factors such as your old age and driving history and the vehicle ‘s do and model can affect your premium, so what ’ mho best for your neighbor might not be best for you. If you ‘re looking for a few more policy companies to compare with Geico, check out USAA, Progressive, and State Farm.
- USAA: This company is the best option for military members and their families for its comprehensive coverage and benefits, great rates, and excellent customer service. Learn more in our complete USAA auto insurance review, or read about USAA vs. Geico to compare the top providers.
- Progressive: Insurance through Progressive is also affordable for many drivers across the U.S. Plus, Progressive has a great mobile app and shopping experience with its quotes comparison tool. Read our full Progressive auto insurance review to learn more.
- State Farm: This insurance company has more customers than any early cable car policy caller in the nation, and it ’ s great for unseasoned drivers. In our State Farm car insurance review, we recognized the supplier for its student driving programs that can save you money .
FAQ About GEICO
Is Geico policy reliable ? With an A++ fiscal strength rat from AM Best and an A+ rat from the BBB, Geico is a authentic choice for car indemnity coverage. In our in-depth review, we awarded the supplier 5.0 out of 5.0 stars for diligence reputation. What is Geico ’ south military rank ? Geico has an A++ fiscal lastingness denounce from AM Best, which means it can handle its claims obligations well. It besides has an A+ rat from the BBB. We rate Geico as the best option for the average driver. Is Geico bad indemnity ? Geico does insure bad drivers and it can provide policy for people with SR-22 requirements. however, we found Progressive has better rates for bad drivers on average. Why is Geico car policy so brassy ? Compared to competitors, Geico car insurance is low-cost for most drivers. One reason that coverage comes then brassy is that the provider has many deduction opportunities, including a military dismiss, a beneficial student dismiss, and a safe driver rebate. What is the best-rated car policy company ? After reviewing every major car insurance party in the industry, our team named Geico the Best Overall. USAA scored highest with 5.0 out of 5.0 stars, but coverage is alone available to military members, veterans, and their families. Because of this, Geico is a smart choice for most drivers. Is progressive or Geico better ? Between Progressive and Geico, Geico is rated slenderly higher by experts such as J.D. Power, AM Best, and the BBB. Our progressive vs. Geico review found that both providers offer comprehensive car policy coverage and competitive rates. The company that is best for you will depend on what you ‘re looking for. How long has Geico been in commercial enterprise ? Geico was founded in 1936 in San Antonio, Texas. It was primitively established to sell car policy policies to politics employees, but it began offering its products to the cosmopolitan public in 1974.
Methodology
In an attempt to provide accurate and unbiased information to consumers, our adept review team collects data from dozens of car insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the follow categories, vitamin a well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
Read our other policy articles :