How Much Does GEICO Car Insurance Cost?

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Updated: August 7, 2026

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Key Takeaways
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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.

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GEICO's rates per state range from $53 per month in Idaho to $203 per month in Florida.

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GEICO increases rates by $133 per month after a DUI, the highest of any insurer in MoneyGeek's analysis. Drivers with a DUI should compare alternatives.

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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.

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 cost from $53 a month in Idaho to $203 a month in Florida, a difference driven by state regulations, weather exposure, traffic density, and local litigation costs. GEICO's nationwide full coverage average is about $145 a month. If you're shopping on a budget, our guide to cheap car insurance by insurer compares rates across carriers in your state.

How much is GEICO in my 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

GEICO premiums range from $632 a year in Idaho to $2,440 a year in Florida. The differences in cost come from state accident rates, local regulations and minimum coverage requirements, cost of living, and how often and how frequently drivers file claims in each state.

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

How Your Credit Score Affects GEICO Car Insurance Cost

GEICO uses credit-based insurance scoring in most states, though California, Hawaii, and Massachusetts prohibit it. Michigan and Washington have debated or added restrictions, and some states let you opt out. Drivers with poor credit pay $212 a month compared to $98 for good credit, more than double. Excellent credit earns a small discount below that baseline at $91 a month. 

If credit is raising your rate, our guide to bad credit car insurance covers your alternatives, and our guide on how much car insurance you need can help you settle 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

For reference, FICO tiers run Excellent (800 to 850), Good (670 to 799), Fair (580 to 669), Below Fair (500 to 579), and Poor (300 to 499). Individual insurers may classify them slightly differently.

How to Lower Your GEICO Car Insurance Cost

A few changes can lower your GEICO premium further. A clean driving record earns a good driver discount worth as much as 22%, and finishing a defensive driving course saves another 5% to 10%. Bundling home or renters insurance with your auto policy cuts as much as 25%, and cars with anti-lock brakes or airbags qualify for safety feature discounts. GEICO's telematics program, DriveEasy, prices your rate on how you actually drive and can take off another 25%.

  1. 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. 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. 3

    Raise your deductible

    Raising your deductible from $500 to $1,000 lowers your GEICO premium by about 9%, and going to $2,000 saves roughly another 6%. Weigh that against whether you could cover the higher out-of-pocket cost after a claim.

  4. 4

    Improve your credit score

    Moving from poor to good credit saves about $114 a month with GEICO, per MoneyGeek's data. Insurers use your FICO score to set those tiers, with poor generally falling below 580 and good ranging 670 to 739. Paying down revolving balances and correcting errors on your credit report before renewal can move you into a better tier, since GEICO rechecks your score when your policy renews.

  5. 5

    Compare at every renewal

    Even at #2 for affordability among 14 insurers, GEICO isn't the cheapest everywhere or for every driver. Progressive and State Farm sometimes come in 5% to 15% lower for some drivers, particularly drivers with perfect records or specific vehicle types, though that changes by state. Your own premium adjusts year to year too, since a new ticket or accident can raise it 10% to 25%, and vehicle age, mileage changes, and expiring discounts all factor in. Comparing rates at each renewal confirms you're still on the best one available to you.

How GEICO's Cost Compares to Other Insurers

At $98 a month, GEICO ranks #2 for affordability among the 14 insurers MoneyGeek tracks and comes in cheapest of the four major national carriers. That's below the $135 average across all 14 and the $128 average among the top five national carriers. State Farm costs $121 a month, Progressive $125, and Allstate $161 for a clean-record adult driver. The exception is DUI, where GEICO raises the rate to $231 a month against Progressive's $161, making it a poor value for drivers with a DUI. GEICO's #2 finish comes out of the same 14-insurer ranking behind the best car insurance companies and cheap full coverage car insurance hubs.

Key policy features:

  • Accident forgiveness: Progressive sells it as an add-on and Allstate grants it as a loyalty reward. GEICO and State Farm both offer it, but availability depends on your state and policy.
  • Telematics programs: GEICO has DriveEasy, Progressive has Snapshot, State Farm has Drive Safe & Save, and Allstate has Drivewise. Each discounts your rate for safe driving.
  • Discounts: All four offer multi-policy and good student discounts. GEICO adds federal employee and military discounts, State Farm rewards safe driving and vehicle safety features, Progressive discounts online quotes and continuous coverage, and Allstate discounts new cars and early signing.
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

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.

How We Score Insurers

14

Insurers scored and ranked in MoneyGeek's database

51

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

#2

GEICO's affordability rank among all 14 insurers tracked

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

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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