GEICO Car Insurance Review

GEICO earned the spot as the sixth-best car insurance provider in the U.S. in our nationwide study. The company's best qualities are its overall affordability, great selection of coverage options and overall financial stability. Below, you can view its ratings and how it stacks up nationally.

National rankings can only go so far in describing how good their car insurance is for most drivers. So below, we’ve detailed how GEICO ranks overall by state.

Below you can see how GEICO stacks up against major national competitors:

Overall, GEICO car insurance costs $46 monthly for minimum coverage and $101 per month for full coverage. However, this only represents 40-year-old drivers with good credit and no driving violations. So, to clarify how affordable car insurance can be with GEICO, we’ve broken down its rates by coverage, state and driver profile.

Whether GEICO is affordable for you widely depends on the state you live in. The company is the most affordable provider in Connecticut and Hawaii, but it's also among the top three in many other areas. Below, you can find out how GEICO stacks up price-wise in your state for minimum and full coverage policies.

Below you can view GEICO car insurance rates for different age groups and common driving violations:

In the table below, you can compare GEICO car insurance costs by coverage level.

Overall, when considering rates across the country, GEICO ranks 5th in terms of affordability. You’ll save an average of 13% on minimum liability policies and 10% for full coverage plans compared to the national averages. Most adults with good credit and no driving violations will find competitive rates with the company, while younger drivers and those with violations will likely find cheaper rates elsewhere.

In terms of overall customer satisfaction, GEICO is average compared to national providers in our study. In studies outside of our own from J.D. Power, the company falls below the industry average. Below, we’ve broken down both our findings and those from reputable third-party research organizations.

GEICO overall ranked average or below average in most areas for customer satisfaction. According to J.D. Power, service ratings were slightly above average in Florida, New England, New York and Texas. It also ranked 2nd overall for its usage-based insurance program across the 38 states where it is available.

Below you can view the ratings of this study broken down by states and regions:

To clarify which states each region refers to, we’ve listed what they cover below:

• Central: Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota.
• Mid-Atlantic: Delaware, Washington D.C., Virginia, New Jersey, Pennsylvania, Virginia, Maryland, West Virginia.
• New England: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont
• North Central: Illinois, Indiana, Michigan, Ohio, Wisconsin
• Northwest: Idaho, Montana, Oregon, Washington, Wyoming
• Southeast: Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tenessee
• Southwest: Arizona, Colorado, Nevada, New Mexico, Utah

GEICO’s lowest rating in our study comes from its claims satisfaction rating, ranking 8th overall nationwide from our analysis. According to J.D. Power, the company ranked in a four-way tie for 11th overall in their recent 2024 study in October, sitting five points below the national average. 

However, GEICO has an A++ rating for financial strength from AM Best, meaning it has no issues in its ability to pay out claims, and it's the top-rated provider in this category.

GEICO offers standard coverages just like other leading insurers, including liability, comprehensive and collision insurance. Additional add-ons from the company include:

• Roadside Assistance: GEICO offers one level of roadside assistance coverage that covers services such as towing, battery jump starts and lockout protection. In addition to cars, motorcycles, boats and RVs can be covered under this plan. Plan costs can be as little as $14 per vehicle per year.
• Rental Car Reimbursement: GEICO offers rental car reimbursement for less than $10 per month. This coverage covers you if your car breaks down and you need to rent a vehicle. Limits can be up to $75 per day or $2,250 per claim.
• Accident Forgiveness: If you qualify and it is available in your state, GEICO will forgive one accident, and your rates won’t increase. However, some drivers may get this additional coverage for free if they have had a clean driving record for long enough.
• Mechanical Breakdown Insurance: While not available for cars older than 15 months or with over 15,000 miles, this coverage will protect you in case your vehicle breaks down due to non-wear-and-tear part malfunctions and faulty workmanship. Coverage can be up to 7 years or 100,000 miles, and it costs an average of $462 per year.

Below, we’ve summarized coverage options other than auto insurance to consider for bundles or standalone policies:

Overall, GEICO is a serviceable and affordable option for car insurance. While the company does not rank as well for customer service compared to other national providers, it makes up for it with its lower rates and solid coverage options. However, as with all insurance products, we recommend that you compare rates with multiple providers in order to get the best deal.

Below are MoneyGeek’s expert answers to frequently asked questions about GEICO car insurance:

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.