Review
Updated
Fact Checked
Eric McWhinnie
Geico is a good fit for price-conscious consumers looking for affordable rates. People who want to bundle coverage can secure even more discounts. Learn more in this Geico auto insurance review about whether the coverage is right for you.
2024 Award Winner
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Fair = PoorBottom Line
Geico's rates are some of the best around, but its network of agents is smaller than some other insurers. It does offer coverage in all 50 states, plus Washington D.C., however. For consumers who prioritize price over in-person support, Geico is an excellent choice.
Pros
- Nationwide coverage
- Affordable premiums
- Easy application process
- Ample discounts
Cons
- Fewer in-person agents than some competitors
- Mixed reviews on J.D. Power Customer Satisfaction ratings
- Above average number of complaints with the National Association of Insurance Commissioners
Full Geico auto insurance review
Monthly premium costs
Geico's monthly premiums are affordable for most drivers, including teen motorists. Geico's price for inexperienced young drivers is well below what many competitors charge.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $1,447 | $1,500 | $2,340 | $5,034 |
Data source: The Ascent's analysis of standardized personas.
Cost comparison
Geico premiums are below the national average for most types of coverage. In fact, Geico is less expensive than the typical insurer for all drivers except those with a DUI on their record. Check out the table below to learn more about how Geico premiums stack up.
| Geico Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $1,474 | $2,389 |
| Accident on Record | $2,340 | $3,037 |
| Speeding Ticket on Record | $2,096 | $3,023 |
| DUI on Record | $4,432 | $4,380 |
| 18 Years OId - New Driver | $5,034 | $6,291 |
| 65 Years Old - Senior | $1,460 | $2,140 |
| Military Service | $1,473 | $2,375 |
| Minimum Coverage (Liability Only) | $416 | $787 |
Data source: The Ascent's analysis of standardized personas.
Discounts
Geico offers most standard discounts offered by auto insurers, including for bundling coverage. Here are some of the discounts the insurer has to offer.
- Air bag
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
- New vehicle
- Good driver
- Seat belt use
- Defensive driving
- Driver’s education course
- Good student
- Emergency deployment
- Federal employee
- Membership and employee
- Military
- Multi-vehicle
- Multi-policy
Coverage
Policy types
- Rideshare insurance
- Motorcycle insurance
- ATV insurance
- RV insurance
- Boat insurance
- Collector auto insurance
- Mexico auto insurance
While some insurers require separate personal and commercial policies for rideshare drivers, Geico offers a hybrid model that covers a motorist for both personal and professional use of their vehicle. Its Mexico auto insurance is also unique in that it covers drivers traveling to Mexico.
Coverage types
- Car rental reimbursement
- Collision coverage
- Comprehensive coverage
- Emergency roadside assistance
- Liability coverage
- Mechanical breakdown insurance
- Medical coverage
- Personal injury protection
- Uninsured/underinsured motorist coverage
While these types of coverage are standard among most insurers, Geico stands apart on emergency roadside assistance and rental coverage. Its emergency roadside assistance is unique because a driver can share their location using their Geico mobile app so they're easier to find -- and can monitor where the service technician is using this same app.
Geico also offers a convenient rental reimbursement option that not all insurers do: It'll pay Enterprise directly for a rental vehicle, rather than the driver paying for coverage and getting reimbursed.
Customer service and ratings
Geico has an A- rating from the Better Business Bureau and its customer reviews on the BBB site show a rating of 1.12 out of a possible 5 stars across over 1,200 reviews. Geico also received an above-average number of complaints to the National Association of Insurance Commissioners. And results on the J.D. Power overall customer satisfaction survey were mixed, with the insurer coming in above average in some markets and below average in others.
Other insurance available
- Homeowners
- Renters
- Condo
- Mobile home
- Landlord
- Flood
- Earthquake
- Business
- Umbrella
- Life
- Travel
- Overseas
- Identity protection
- Pet
- Jewelry
- Event
- Bicycle
Geico offers most types of insurance consumers need, including some coverage options many insurers don't provide. These include flood insurance, earthquake coverage, and event coverage. With so many types of protection available, there are ample opportunities to earn bundling discounts by buying several Geico policies.
Alternatives to consider
2024 Award Winner
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Best for predictable pricing year over yearErie Auto Insurance
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
When looking for an auto insurer who offers a larger agent network: State Farm offers a larger agent network. But keep in mind that premiums could be more expensive for some drivers.
When looking for an auto insurer who offers better customer service: Erie Auto Insurance has a lower number of consumer complaints and consistently higher J.D. Power rankings. But keep in mind that Erie Auto Insurance offers coverage only in a limited number of states.
Geico auto insurance summary
Geico might be best suited to the following insurance buyers:
- Young drivers looking for affordable coverage
- Price-conscious customers who prioritize low premiums over top-notch service
- Motorists who prefer to manage their account online rather than working with an agent
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Review sources
- https://www.geico.com/about/corporate/geico-ins-agency-companies/
- https://www.geico.com/
- https://www.geico.com/auto-insurance/
- https://www.geico.com/information/aboutinsurance/auto/
- https://www.geico.com/save/discounts/car-insurance-discounts/
- https://www.jdpower.com/business/press-releases/2023-us-auto-insurance-study
- https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=35882&:refresh
- https://www.geico.com/knowledge/vehicle-types/
- https://www.geico.com/knowledge/how-your-vehicles-are-used/
- https://www.geico.com/auto-insurance/emergency-road-service/
- https://www.geico.com/claims/claimsprocess/vehicle-rental/
- https://www.bbb.org/us/md/chevy-chase/profile/insurance-companies/geico-0241-8768
- https://www.statefarm.com/about-us
- https://www.erieinsurance.com/news-room/fact-sheet
Our auto insurance rating methodology
At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
Our Insurance Experts
Christy Bieber is a full-time personal finance and legal writer with more than a decade of experience. She has a JD from UCLA as well as a degree in English, Media and Communications with a Certificate in Business Management from the University of Rochester. In addition to writing for The Ascent and The Motley Fool, her work has also been featured regularly on MSN Money, CNBC, and USA Today. She also ghost writes textbooks, serves as a subject matter expert for online course design, and is a former college instructor.
Fact Checked
Eric McWhinnie
Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.
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