GEICO Car Insurance Cost: Rates by Age, State & Driving Record

Key Takeaways

GEICO full coverage costs $98 per month ($1,179 per year) for a 40-year-old male with good credit and a clean record, $38 below the monthly national average of $136.

Among the 14 insurers MoneyGeek tracks, GEICO ranks #4 overall and #2 for affordability, the most affordable major carrier with rate data in MoneyGeek's database.

State rates range from $53 per month in Idaho to $203 per month in Florida.

GEICO's DUI surcharge is over $133 per month, the highest of any carrier with data in MoneyGeek's dataset. Drivers with a DUI should compare alternatives.

How Much Does GEICO Cost on Average?

GEICO full coverage costs $98 per month on average for a 40-year-old male with good credit and a clean record, $38 below the monthly national average of $136 across the 14 insurers MoneyGeek tracks. That makes GEICO the most affordable of the four major national carriers.

See the full GEICO car insurance review for scores on customer satisfaction, claims handling and financial strength, or browse all car insurance reviews to compare insurers side by side. The table below shows GEICO's average rates by elected coverage level.

Coverage Level	Monthly	Annual
State minimum liability only	$43	$522
50/100/50 full coverage w/ $500 deductible	$95	$1,146
100/300/100 full coverage w/ $1,000 deductible	$98	$1,179
300/500/300 full coverage w/ $1,500 deductible	$112	$1,346

GEICO Car Insurance Cost by State

State rates range from $53 per month in Idaho to $203 per month in Florida, a spread driven by differences in state regulations, weather exposure, traffic density and local litigation rates. If you're shopping on a budget, see our guide to cheap car insurance by insurer or compare car insurance rates across multiple carriers in your state.

State	Monthly	Annual
Alabama	$95	$1,135
Alaska	$84	$1,005
Arizona	$114	$1,371
Arkansas	$94	$1,132
California	$90	$1,085
Colorado	$101	$1,208
Connecticut	$76	$910
Delaware	$121	$1,451
Florida	$203	$2,440
Georgia	$101	$1,214
Hawaii	$66	$787
Idaho	$53	$632
Illinois	$69	$830
Indiana	$63	$755
Iowa	$81	$970
Kansas	$71	$853
Kentucky	$114	$1,366
Louisiana	$158	$1,894
Maine	$61	$737
Maryland	$84	$1,002
Massachusetts	$79	$951
Michigan	$70	$841
Minnesota	$118	$1,416
Mississippi	$128	$1,541
Missouri	$89	$1,068
Montana	$102	$1,222
Nebraska	$71	$849
Nevada	$145	$1,738
New Hampshire	$63	$757
New Jersey	$174	$2,091
New Mexico	$96	$1,147
New York	$90	$1,075
North Carolina	$88	$1,059
North Dakota	$56	$677
Ohio	$72	$859
Oklahoma	$110	$1,319
Oregon	$89	$1,069
Pennsylvania	$150	$1,796
Rhode Island	$146	$1,755
South Carolina	$108	$1,295
South Dakota	$90	$1,081
Tennessee	$108	$1,300
Texas	$113	$1,358
Utah	$93	$1,118
Vermont	$72	$865
Virginia	$80	$964
Washington	$101	$1,214
Washington, D.C.	—	—
West Virginia	$94	$1,133
Wisconsin	$55	$655
Wyoming	$79	$946

GEICO Car Insurance Cost by Age

Young drivers pay the highest GEICO rates at $241 per month, $143 more than the adult baseline of $98 per month. This premium reflects the statistically higher accident risk for inexperienced drivers. Rates drop sharply once drivers reach adulthood, then tick back up to $121 per month for seniors.

If you're a new or young driver, see our guide to cheap car insurance for new drivers for strategies to reduce your premium. Older drivers can explore options in our guide to cheap car insurance for seniors.

Age Group	Monthly	Annual
Young drivers	$241	$2,890
Adult drivers	$98	$1,179
Senior drivers	$121	$1,452

GEICO Car Insurance Cost for High-Risk Drivers

GEICO's DUI rate averages $231 per month, $133 more than what a clean-record driver pays. That works out to a 135% surcharge, the highest DUI penalty among carriers in MoneyGeek's dataset. Drivers with a DUI should shop around before auto-renewing; our cheap car insurance after a DUI guide lists better-priced alternatives.

The at-fault accident surcharge (over $55 per month) and speeding surcharge ($34 per month) are more in line with industry norms. For a broader look at rate increases after incidents, see why did my car insurance go up and our guide to cheap car insurance for high-risk drivers.

Driving Record	Monthly	Annual	vs. Clean
Clean Record	$98	$1,179	—
Not-At-Fault Accident	$103	$1,241	+$5/mo
Texting/Distracted Driving	$126	$1,511	+$28/mo
Speeding Ticket (11–15 mph over)	$132	$1,582	+$34/mo
At-Fault Accident ($1,000–$2,000 damage)	$153	$1,839	+$55/mo
DUI (BAC ≥ 0.08)	$231	$2,774	+$133/mo

How Your Credit Score Affects GEICO Car Insurance Cost

GEICO uses credit-based insurance scoring in most states; California, Hawaii and Massachusetts prohibit the practice. Drivers with poor credit pay $212 per month, vs. $98 for good credit, a $114 per month gap (116% surcharge). Excellent credit ($91/mo) earns a modest discount below the good-credit baseline, consistent with GEICO rewarding clean financial profiles.

If credit is affecting your rate, see our guide to bad credit car insurance for alternatives. Not sure how much coverage you need? Our guide on how much car insurance do I need can help you decide on the right level of protection.

Credit Tier	Monthly	Annual
Excellent	$91	$1,091
Good	$98	$1,179
Fair	$142	$1,701
Below Fair	$172	$2,064
Poor	$212	$2,548

How to Lower Your GEICO Car Insurance Cost

Even at #2 for affordability, there are several strategies to further reduce your GEICO premium. Explore available car insurance discounts and use a tool to estimate your GEICO rate before calling an agent.

1
Bundle policies
GEICO offers discounts for bundling auto with home, renters or condo insurance. Getting a combined quote can reduce your total premium across both policies.
2
Enroll in DriveEasy
GEICO's DriveEasy telematics program tracks driving behavior via app and rewards safe habits with a rate discount. Smooth braking, low mileage and avoiding phone use while driving are the key factors.
3
Raise your deductible
Increasing your deductible from $500 to $1,000 lowers your monthly premium. A $2,000 deductible reduces it further. Weigh that against your ability to cover the higher out-of-pocket cost after a claim.
4
Improve your credit score
Moving from poor to good credit can save approximately $114 per month with GEICO based on MoneyGeek's data. Reducing revolving balances and correcting errors on your credit report before renewal can move you into a lower tier.
5
Compare at every renewal
Even at #2 for affordability among 14 insurers, GEICO isn't the cheapest option in every state or for every profile. Running a comparison at each renewal confirms you're still getting the best rate available to you. Use compare car insurance rates to benchmark your current premium.

How GEICO's Cost Compares to Other Insurers

At $98 per month, GEICO ranks #2 for affordability among the 14 insurers MoneyGeek tracks, the most affordable of the four major national carriers with available data. State Farm ($121 per month), Progressive ($125 per month) and Allstate ($161 per month) all cost more for a clean-record adult driver.

The key exception remains DUI: GEICO's $231 per month DUI rate exceeds Progressive's $161 per month, making GEICO a poor value for drivers with a DUI on record.

For full carrier comparisons, see GEICO vs. State Farm, Allstate car insurance cost, Progressive car insurance cost or browse the best car insurance companies and cheap full coverage car insurance hubs for the full 14-insurer ranking.

Insurer	Monthly	Annual	MG Overall Rank
GEICO	$98	$1,179	#4 of 14
State Farm	$121	$1,448	#6 of 14
Progressive	$125	$1,503	#2 of 14
Allstate	$161	$1,937	#10 of 14

Frequently Asked Questions About GEICO Car Insurance Cost

How much does GEICO car insurance cost per month?

GEICO full coverage costs an average of $98 per month for an adult male with good credit and a clean record. This is $38 below the $136 per month national average across all insurers MoneyGeek tracks. Your rate will vary by state, age, credit and driving record.

Is GEICO the cheapest car insurance?

GEICO ranks #2 for affordability among the 14 insurers in MoneyGeek's dataset, making it one of the most affordable options for most drivers. It isn't the cheapest in every state or for every driver; drivers with a DUI will find better rates elsewhere.

How does GEICO compare to Progressive on cost?

For a clean-record adult driver, GEICO averages $98 per month, while Progressive averages $125 per month, a $27 per month difference. That gap can reverse for drivers with a DUI: GEICO's DUI rate ($231 per month) is higher than Progressive's ($161 per month).

Does GEICO charge more for bad credit?

Yes. Drivers with poor credit pay $212/mo with GEICO vs. $98 per month for good credit, a $114 per month difference. Credit-based pricing applies in most states; California, Hawaii and Massachusetts prohibit it.

What is the cheapest GEICO coverage option?

State minimum liability averages $43 per month with GEICO. It only covers damage you cause to others and doesn't protect your own vehicle. Drivers with a loan or lease are required to carry full coverage. See our guide to cheap liability car insurance if you're looking for minimum-cost options.

Does GEICO offer discounts to lower my rate?

Yes. Key programs include DriveEasy (telematics), multi-policy bundling, good student, military and federal employee discounts. Savings vary by state and profile.

MoneyGeek analyzed rates for a 40-year-old male with good credit, a clean record, 100/300/100 liability limits, a $1,000 deductible and full coverage. National data: April 2025. State data: November 2025. Rates represent averages across ZIP codes; individual quotes will vary. MoneyGeek scores and ranks 14 insurers in total. See MoneyGeek's methodology for full details.

National rates: April 2025 | State rates: November 2025. Rates are updated periodically to reflect current market conditions.

How We Score Insurers

Insurers scored and ranked in MoneyGeek's database

States and Washington, D.C., covered in state-level data

GEICO's affordability rank among all 14 insurers tracked

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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How Much Does GEICO Car Insurance Cost?