GEICO ranks fourth nationally, making it one of the best car insurance companies for most drivers. It excels in affordability and coverage options, consistently delivering competitive rates and solid protection. This ranking reflects a 40-year-old male driver with good credit and no driving violations. GEICO's ranking for your profile depends on your coverage needs.
GEICO Car Insurance Review
Updated: September 17, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO ranks second for full coverage affordability and second for minimum liability coverage, with average rates of $96 and $42 monthly, respectively.
GEICO ranks eighth nationwide for overall customer satisfaction, falling behind competitors due to mixed agent service experiences and average customer reviews.
GEICO earns seventh place for coverage options, offering features like mechanical breakdown insurance for older vehicles and emergency roadside assistance with nationwide towing coverage.
GEICO Car Insurance Ratings
| Overall Score | 4.34 | 4 |
| Overall Score | 4.64 | 2 |
| Customer Experience | 4.30 | 8 |
| Customer Experience | 4.39 | 7 |
| Coverage | 3.26 | 7 |
| Coverage | 3.26 | 7 |
| Affordability | 4.54 | 2 |
| Affordability | 5.00 | 1 |
Who Is GEICO Car Insurance Best and Worst For?
GEICO works best for young drivers, seniors, drivers with bad credit and those with older cars seeking affordable coverage. However, drivers with a DUI or recent accident should consider other options.
Compare how GEICO stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.36 | 5 |
GEICO Car Insurance Ratings by State
GEICO earns top-five rankings in 38 out of 51 states and territories across the United States. The company claims the top spot in Hawaii, Connecticut and Alaska, demonstrating strong performance in diverse markets nationwide.
| Alabama | 0.21 | 6 |
| Alaska | 0.20 | 2 |
| Arizona | 0.21 | 6 |
| Arkansas | 0.21 | 5 |
| California | 0.22 | 3 |
| Colorado | 0.21 | 3 |
| Connecticut | 0.23 | 2 |
| Delaware | 0.21 | 5 |
| District of Columbia | 0.18 | 6 |
| Florida | 0.21 | 6 |
| Georgia | 0.22 | 3 |
| Hawaii | 0.20 | 3 |
| Idaho | 0.21 | 4 |
| Illinois | 0.23 | 3 |
| Indiana | 0.20 | 6 |
| Iowa | 0.20 | 5 |
| Kansas | 0.21 | 4 |
| Kentucky | 0.20 | 6 |
| Louisiana | 0.22 | 4 |
| Maine | 0.20 | 6 |
| Maryland | 0.21 | 4 |
| Massachusetts | 0.21 | 6 |
| Michigan | 0.22 | 3 |
| Minnesota | 0.18 | 10 |
| Mississippi | 0.19 | 9 |
| Missouri | 0.22 | 5 |
| Montana | 0.20 | 3 |
| Nebraska | 0.22 | 3 |
| Nevada | 0.21 | 8 |
| New Hampshire | 0.21 | 5 |
| New Jersey | 0.20 | 8 |
| New Mexico | 0.21 | 3 |
| New York | 0.22 | 5 |
| North Carolina | 0.22 | 4 |
| North Dakota | 0.21 | 4 |
| Ohio | 0.19 | 5 |
| Oklahoma | 0.20 | 4 |
| Oregon | 0.22 | 5 |
| Pennsylvania | 0.19 | 11 |
| Rhode Island | 0.18 | 10 |
| South Carolina | 0.21 | 7 |
| South Dakota | 0.19 | 7 |
| Tennessee | 0.18 | 9 |
| Texas | 0.21 | 3 |
| Utah | 0.22 | 4 |
| Vermont | 0.19 | 8 |
| Virginia | 0.21 | 7 |
| Washington | 0.20 | 6 |
| West Virginia | 0.19 | 3 |
| Wisconsin | 0.22 | 5 |
| Wyoming | 0.19 | 5 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
GEICO Car Insurance vs. Competitors
Here's how GEICO car insurance compares with major national competitors:
GEICO vs. Progressive | 4.34 vs. 4.2 | GEICO wins mainly due to affordability, despite Progressive's superior customer experience and coverage add-ons. |
GEICO vs. State Farm | 4.34 vs. 4.15 | GEICO is the better choice due to affordability. |
GEICO vs. AAA | 4.34 vs. 3.74 | GEICO is the most balanced option overall, despite tying for coverage options with AAA. |
GEICO vs. Allstate | 4.34 vs. 3.78 | GEICO outperforms Allstate with better customer experience and affordability. |
GEICO vs. USAA | 4.34 vs. 4.86 | USAA outpaces GEICO in all categories for military members, but GEICO remains a solid option. |
GEICO vs. Travelers | 4.34 vs. 4.5 | Travelers beats GEICO with higher coverage and customer experience scores, but GEICO is more affordable. |
GEICO vs. Farmers | 4.34 vs. 3.86 | GEICO dominates most categories across all states, though Farmers has the strongest coverage score. |
How Much Does GEICO Car Insurance Cost?
Your GEICO car insurance costs vary based on your profile and coverage needs, ranging from $40 to $2,016 monthly.
To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $286 | $3,434 | -17% | 8 |
GEICO Car Insurance Rates by Driver Category
GEICO ranks among the cheapest car insurance companies across most driver categories, including those with bad credit and speeding tickets. The company offers competitive rates for both young and senior drivers. Review how affordable GEICO is for your driving category in the table below.
| Adult Drivers | $43 | $98 | -22% | 2 |
| Young Drivers | $105 | $241 | -23% | 2 |
| Senior Drivers | $56 | $121 | -24% | 2 |
| Drivers With An Accident | $65 | $153 | -18% | 5 |
| Drivers With A DUI | $101 | $232 | 2% | 7 |
| Drivers With A Speeding Ticket | $56 | $132 | -19% | 2 |
| Drivers With Bad Credit | $92 | $213 | -33% | 4 |
| Drivers With Low Income | $61 | $142 | -25% | 3 |
| Adult Drivers | $43 | $98 | -24% | 2 |
| Drivers With Newer Cars | $46 | $108 | -29% | 3 |
| Drivers With Old Cars | $37 | $84 | -27% | 2 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
GEICO Car Insurance Rates by State
GEICO's monthly rates vary from $15 to $203 across states. The company ranks among the top five most affordable insurers in 39 out of 51 states and territories. See GEICO's affordability and pricing in your area below.
| Alabama | $42 | $92 | -14% | 6 |
| Alaska | $41 | $87 | -15% | 2 |
| Arizona | $51 | $111 | -20% | 3 |
| Arkansas | $39 | $97 | -15% | 5 |
| California | $39 | $91 | -43% | 1 |
| Colorado | $32 | $97 | -37% | 3 |
| Connecticut | $34 | $75 | -53% | 1 |
| Delaware | $68 | $124 | -33% | 3 |
| District of Columbia | $86 | $152 | -6% | 4 |
| Florida | $63 | $203 | -22% | 5 |
| Georgia | $40 | $101 | -33% | 2 |
| Hawaii | $24 | $66 | -22% | 2 |
| Idaho | $25 | $57 | -29% | 4 |
| Illinois | $30 | $69 | -34% | 1 |
| Indiana | $33 | $64 | -21% | 2 |
| Iowa | $29 | $78 | -17% | 4 |
| Kansas | $25 | $71 | -40% | 2 |
| Kentucky | $52 | $118 | -18% | 6 |
| Louisiana | $54 | $156 | -37% | 2 |
| Maine | $33 | $64 | -13% | 4 |
| Maryland | $51 | $89 | -41% | 2 |
| Massachusetts | $38 | $82 | -17% | 4 |
| Michigan | $42 | $70 | -44% | 3 |
| Minnesota | $55 | $127 | 19% | 10 |
| Mississippi | $54 | $137 | 6% | 7 |
| Missouri | $38 | $87 | -33% | 4 |
| Montana | $30 | $106 | -13% | 3 |
| Nebraska | $27 | $68 | -37% | 2 |
| Nevada | $65 | $138 | -13% | 4 |
| New Hampshire | $33 | $61 | -25% | 3 |
| New Jersey | $78 | $169 | -14% | 6 |
| New Mexico | $46 | $95 | -15% | 2 |
| New York | $43 | $88 | -28% | 6 |
| North Carolina | $43 | $86 | -17% | 3 |
| North Dakota | $28 | $61 | -32% | 2 |
| Ohio | $40 | $74 | -7% | 6 |
| Oklahoma | $41 | $106 | -21% | 3 |
| Oregon | $43 | $91 | -22% | 5 |
| Pennsylvania | $52 | $142 | 18% | 10 |
| Rhode Island | $74 | $146 | 12% | 8 |
| South Carolina | $58 | $112 | -13% | 6 |
| South Dakota | $27 | $99 | -8% | 5 |
| Tennessee | $49 | $110 | 6% | 7 |
| Texas | $54 | $112 | -23% | 3 |
| Utah | $46 | $90 | -30% | 2 |
| Vermont | $32 | $80 | 6% | 6 |
| Virginia | $42 | $81 | -18% | 5 |
| Washington | $39 | $96 | -15% | 2 |
| West Virginia | $42 | $92 | -18% | 4 |
| Wisconsin | $20 | $53 | -40% | 2 |
| Wyoming | $15 | $82 | -9% | 4 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
GEICO Car Insurance Discounts
GEICO offers 15 car insurance discounts. It makes coverage even more affordable through stackable discounts that can reduce your premium. Check out its offerings:
DriveEasy | Up to 26% | Enroll in GEICO's telematics program, maintain safe driving habits | Available in select states |
Multi-Car | Up to 25% | Insure 2+ vehicles on same policy | Available nationwide |
Emergency Deployment | Up to 25% | Active military deployed to imminent danger zone | Available nationwide |
Accident-Free | Up to 26% | No chargeable accidents for 5+ years, age 21+ required | Available nationwide |
Anti-Theft Device | Up to 23% | Vehicle equipped with factory anti-theft system | Applies to comprehensive coverage |
Airbags/Passive Restraint | Up to 40% | Factory-installed airbags or passive restraint systems | Applies to medical payments/PIP coverage |
Good Student | Up to 15% | Full-time students with B+ average or 3.0+ GPA | Available nationwide |
Military | Up to 15% | Active duty, retired, National Guard or Reserve members | Available nationwide |
New Vehicle | Up to 15% | Vehicle 3 model years old or newer | Available nationwide |
Seat Belt | Up to 15% | Always wear seat belts (driver and passengers) | Applies to medical payments/PIP coverage |
Federal Employee (Eagle) | Up to 12% | Active or retired federal employees | Available in most states |
Defensive Driving Course | Variable | Complete GEICO-approved defensive driving course | Course approval varies by state |
Student Away at School | Variable | Full-time student living away without regular vehicle access | Available nationwide |
Multi-Policy | Variable | Bundle auto with home, renters, condo or mobile home insurance | Available nationwide |
Homeowner | Variable | Own your home (even without bundling home insurance) | Available nationwide |
GEICO Car Insurance Customer Reviews and Reputation
Progressive ranks fifth in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. The company receives positive reviews for its digital tools and online experience, though claim handling generates more complaints than other service areas.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
GEICO's online quote system is fast and user-friendly, providing competitive rates in minutes without requiring agent involvement. The streamlined process focuses on getting you covered quickly, with helpful tooltips explaining coverage options. Phone support is available if you need assistance, and representatives are knowledgeable about discounts and coverage choices.
The buying experience emphasizes efficiency and transparency, with clear pricing breakdowns and no hidden fees. Military members and federal employees receive automatic discounts during quoting.
Policy Management
GEICO's mobile app and website are industry leaders for self-service functionality, allowing you to handle most tasks without calling customer service. The digital platform makes it easy to adjust coverage, add vehicles, make payments and access documents. The DriveEasy usage-based program integrates seamlessly through the app, offering discounts for safe driving habits. Though complex situations may require phone support, policy changes are processed quickly online.
Claims Experience
GEICO's claims process is heavily digitized, with 24/7 reporting through the mobile app, including photo submission and damage assessment tools. The company's size and technology investments show in features like virtual inspections and fast claim processing for straightforward cases.
Customer satisfaction with claims varies. Many praise the speed and convenience, while some report challenges with more complex claims requiring human intervention. The extensive repair network provides guaranteed work, and you can track claim progress in real-time through the app.
GEICO Car Insurance Industry Customer Satisfaction Ratings
GEICO ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are GEICO's scores from industry agencies.
AM Best Financial Strength | A++ (Superior) | A++ to D- | Superior ability to meet financial obligations - only 5% of P&C companies earn this rating |
AM Best Long-Term Credit Standing | aaa (Exceptional) | aaa to d | Exceptional credit quality with lowest credit risk |
S&P Global Financial Strength | AA+ | AAA to D | Very strong capacity to meet financial commitments |
Moody's Financial Strength | Aa1 | Aaa to C | High grade financial strength with low credit risk |
J.D. Power Auto Claims Satisfaction | 692/1,000 | 1,000-point scale | Below average (industry average: 697) |
J.D. Power Digital Service Experience | 686/1,000 | 1,000-point scale | Below average ( 10th place) |
J.D. Power Auto Insurance Shopping Study | 660/1,000 (12th of 18) | Out of 1,000 | 12th out of 18 companies with a better than average experience |
J.D. Power Overal Customer Satisfaction | 660/1,000 | Out of 1,000 | Mixed results overall, tied for 1st place in Florida. |
NAIC Auto Complaints | 1.37 | 1.00 is average | Slightly more complaints than expected |
GEICO Car Insurance Reddit and Forum Customer Satisfaction
GEICO customers on Reddit and online forums consistently praise the company's competitive rates, user-friendly digital platform and efficient claims processing, valuing the straightforward online experience and quick quote process.
Common complaints include limited personal service compared to agent-based insurers, steep rate increases after claims or violations, and customer service that, while efficient, can feel impersonal and script-driven.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Consistently competitive rates that often beat traditional insurers, though increases can be significant after claims:
"GEICO saved me $800 per year compared to State Farm, and the coverage was identical. Hard to argue with that kind of savings, especially when the service has been reliable."
Claims Processing
Generally efficient claim processing with quick settlements, though some customers miss the personal touch:
"GEICO handled my collision claim efficiently; everything done online and by phone, fair settlement, check arrived quickly. No complaints about the process or outcome."
"Had a great claims experience with GEICO. Submitted photos through the app, got an estimate within hours, and the check was directly deposited. Fast and convenient, even if not very personal."
Customer Service
Efficient but impersonal service that focuses on quick problem resolution over relationship building:
"GEICO customer service gets things done quickly, but don't expect them to know your history or build a relationship. It's efficient but feels very transactional."
"Called GEICO with a coverage question and got a quick, accurate answer. No small talk, no upselling, just straight information. Some people might want more personal service, but I appreciate the efficiency."
Digital Experience
The GEICO mobile app receives excellent ratings with 4.8 out of 5 on the Apple App Store and 4.5 out of 5 on Google Play. The app is consistently praised for its functionality and ease of use:
"GEICO's app is fantastic, I can pay bills, manage coverage, file claims, get roadside assistance, all with a clean, intuitive interface. Probably the best insurance app I've used."
Trust and Reputation
Strong brand recognition and customer loyalty, though some question their commitment during difficult claims:
"GEICO has served me well for years with competitive rates and solid service. They're not the warmest company, but they're reliable and straightforward about what they offer."
Coverage Options
Standard coverage options with competitive pricing, though less guidance than agent-based insurers:
"GEICO offers all the standard coverage options at good prices. You won't get hand-holding about what to choose, but if you know what you need, they make it easy and affordable."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
GEICO Car Insurance Coverage Options
GEICO provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company's additional coverage options include:
Emergency Roadside Service (ERS) | Towing to nearest repair facility, battery jump-start, lockout service, fuel delivery, tire changes | $14 per year per vehicle, 24/7 service, towing within 20 miles, lockout service up to $100 |
Mechanical Breakdown Insurance (MBI) | Repairs to most mechanical parts after manufacturer warranty expires | $250 deductible, covers parts and labor, better than dealer warranties, new cars under 15 months/15,000 miles |
Medical Payments Coverage | Medical expenses for you and passengers after accident, regardless of fault | Covers hospital bills, treatments, funeral expenses, applies to owned and non-owned vehicles |
Personal Injury Protection (PIP) | Medical expenses, lost wages, essential services after accident | Required in no-fault states, covers regardless of fault, often no copays or deductibles |
Fills coverage gaps when driving for Uber/Lyft during waiting periods | Extends personal auto policy, covers periods rideshare companies don't | |
Rental car costs while your vehicle is being repaired from covered loss | Daily and per-claim limits (e.g., $25/day, $750 per claim), direct billing with Enterprise | |
Uninsured/Underinsured Motorist | Protection when hit by drivers with no insurance or insufficient coverage | Covers medical expenses, lost wages, property damage from uninsured drivers |
Comprehensive Coverage | Damage from theft, vandalism, fire, natural disasters, animal strikes | Has deductible, covers non-collision incidents, required for financed vehicles |
Collision Coverage | Damage when your car hits or is hit by another vehicle or object | Has deductible, covers at-fault and not-at-fault accidents, required for financed vehicles |
Full Glass Coverage | Windshield and window repairs/replacements from road debris | Optional add-on, small additional cost, covers costly windshield damage |
Umbrella Insurance | Extra liability coverage beyond standard auto and home limits | Protects assets from major lawsuits, covers legal costs when existing limits exceeded |
Non-Owner Liability Policy | Liability coverage for those who don't own a car but drive occasionally | Good for frequent borrowers of vehicles, provides liability protection |
Other GEICO Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
GEICO (Directly Offered) | Auto insurance, motorcycle insurance, ATV insurance, RV/travel trailer insurance, boat insurance (GEICO Marine), commercial auto insurance, classic/collector car insurance, Mexico car insurance, snowmobile insurance |
Third-Party Partner | Home insurance, renters insurance, condo insurance, co-op insurance, manufactured home insurance, landlord insurance, flood insurance, Life Insurance, Pet Insurance, travel insurance, umbrella insurance, identity theft protection, jewelry insurance, business insurance, professional liability insurance, medical malpractice insurance, event insurance, earthquake insurance, mobile device protection, bicycle insurance |
GEICO Auto Insurance Review: Bottom Line
GEICO excels in affordability, customer experience and coverage, earning top rankings in these key categories. In MoneyGeek's provider study, the company ranks fourth overall for full coverage and third for minimum coverage.
Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
GEICO Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about GEICO car insurance:
Does GEICO insurance have a good reputation?
Yes, GEICO is a legitimate car insurance company that secured fourth place in our comprehensive auto insurance provider rankings. GEICO particularly excels in affordability, where it stands out among competitors.
Where is GEICO the best car insurance company?
GEICO is the best car insurance company in three out of 51 states and territories, including:
- Hawaii
- Connecticut
- Alaska
How much does GEICO car insurance cost on average?
GEICO's average annual cost for adults is $526 for minimum coverage and $1,189 for full coverage. GEICO rates range from $481 to $7,101 for minimum and $1,088 to $16,075 for full coverage.
Is GEICO known for denying claims?
Customer feedback indicates GEICO faces criticism for claim denials, with policyholders reporting rejections for legitimate accidents, delayed processing and disputes over coverage interpretations. Some customers describe frustrating experiences with denied collision and comprehensive claims, though comprehensive data on their overall claim approval rates remains limited beyond individual testimonials.
Note: This represents limited information based primarily on forum reviews.
Is GEICO a good option for high-risk drivers?
GEICO is a good option for drivers with an accident, ranking fifth overall for affordability among high-risk driver categories.
Does GEICO raise car insurance rates over time?
Yes, GEICO raises rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus individual risk factors.
Is GEICO good for young drivers?
Yes, GEICO can raise rates over time, but it remains a solid choice for young drivers with a second-place affordability ranking.
How We Rated GEICO Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "GEICO Ratings and Reviews." Accessed September 17, 2025.
- Google Play. "GEICO - Apps on Google Play." Accessed September 17, 2025.