Geico Insurance Review: Average Rates, But Many Discounts
- Many discounts that could lower your payment
- Slightly better-than-average customer ratings
- Auto insurance rates are just average
- Home insurance only offered through partners like Chubb and Travelers
- Few optional coverages to personalize your policy
Is Geico a good insurance company?
Geico is a good choice for auto and home insurance if you qualify for some of its many discounts and want a dependable company. Geico has an AM Best rating of A++, which shows it’s in good financial standing and can pay out claims.
Geico sets itself apart by offering many discounts that could make your premium
a lot cheaper. For example, if you have more than one car on a Geico policy, you could save up to 25% on most of your car insurance coverages. You can also save up to 22% on most coverages if you haven’t been in an accident for at least one year.
You may also get car insurance discounts from Geico for:
- Having vehicle equipment, such as air bags, anti-lock brakes and anti-theft systems
- Starting a quote online before you buy
- Signing up for automatic payments or paying in full
- Being a member of the military or certain groups and organizations
Discounts are often needed with Geico, however, because its car insurance rates are just average for most drivers. It also doesn’t offer many coverage add-ons, which means you can’t do much to customize your policy.
Geico’s customer ratings from J.D. Power
Geico ratings at a glance
| Rating | Geico’s score | Industry average |
|---|---|---|
| Overall customer satisfaction
Source: J.D. Power 2025 U.S. Auto Insurance Study. Higher is better.
| 645 | 640 |
| Customer complaints
Source: 2024 NAIC complaint index. Average is 1.0. Lower is better.
| 0.75 | 1.0 |
| Financial strength | A++ by AM Best | N/A (A++ is the best possible rating) |
How much is Geico car insurance?
Car insurance from Geico costs $65 a month for liability-only coverage, on average. The company’s average rate for full coverage car insurance is $173 a month.
Both of these are slightly cheaper than the national averages of $68 a month for liability-only
American Family, State Farm, Travelers and USAA each have cheaper average rates than Geico for liability-only car insurance. Those same companies plus Progressive are also cheaper for full coverage. Geico offers many more discounts than any of these insurers, however.
Geico car insurance rates vs. other companies
| Company | Liability-only monthly | Full coverage monthly | LendingTree score |
|---|---|---|---|
| Geico | $65 | $173 | 3.5 |
| Travelers | $59 | $135 | 4.5 |
| State Farm | $56 | $144 | 4.5 |
| American Family | $51 | $146 | 4 |
| Progressive | $69 | $160 | 4 |
| Nationwide | $76 | $190 | 3 |
| Allstate | $104 | $248 | 3 |
| Farmers | $101 | $258 | 3 |
| USAA* | $39 | $125 | 4 |
Geico car insurance cost for a bad driving record
Geico’s car insurance rates are expensive compared to most other top companies if you have a speeding ticket, accident or DUI on your driving record.
American Family, Progressive, State Farm, Travelers and USAA have cheaper rates for all of these drivers.
Geico vs. other companies for a bad driving record
| Company | Ticket | Accident | DUI |
|---|---|---|---|
| Geico | $233 | $296 | $404 |
| State Farm | $156 | $163 | $343 |
| American Family | $173 | $237 | $270 |
| Travelers | $181 | $195 | $224 |
| Progressive | $213 | $238 | $208 |
| Nationwide | $244 | $299 | $416 |
| Allstate | $295 | $406 | $379 |
| Farmers | $338 | $400 | $434 |
| USAA* | $153 | $174 | $248 |
The national average car insurance rate for drivers with a speeding ticket on their record is $219 a month. Drivers with an at-fault accident pay $263 a month, on average. The average cost of DUI car insurance is $329 a month nationwide.
Car insurance companies look at more than your driving record when they create a quote for you. They also usually look at your age, marital status, location, vehicle make and model, and insurance claims history.
This is one of the main reasons why you should compare car insurance quotes from a number of different companies before you buy or renew a policy.
Cost of Geico car insurance by state
Among the largest car insurance companies, Geico has the cheapest rates in Alaska, California, Colorado and Hawaii for a full coverage policy. It’s also the cheapest company for full coverage in Massachusetts, New Jersey, Ohio and Washington, D.C.
Geico car insurance quotes by state
| State | Liability only | Full coverage |
|---|---|---|
| Alabama | $91 | $260 |
| Alaska | $45 | $116 |
| Arizona | $107 | $234 |
| Arkansas | $73 | $226 |
| California | $41 | $127 |
| Colorado | $67 | $182 |
| Connecticut | $78 | $172 |
| Delaware | $85 | $250 |
| Florida | $38 | $205 |
| Georgia | $70 | $183 |
| Hawaii | $24 | $69 |
| Idaho | $35 | $103 |
| Illinois | $96 | $227 |
| Indiana | $61 | $153 |
| Iowa | $56 | $166 |
| Kansas | $46 | $149 |
| Kentucky | $76 | $182 |
| Louisiana | $119 | $371 |
| Maine | $46 | $107 |
| Maryland | $72 | $145 |
| Massachusetts | $49 | $113 |
| Michigan | Not available | Not available |
| Minnesota | $95 | $254 |
| Mississippi | $63 | $209 |
| Missouri | $65 | $166 |
| Montana | $37 | $183 |
| Nebraska | $32 | $151 |
| Nevada | $104 | $274 |
| New Hampshire | $49 | $100 |
| New Jersey | $66 | $132 |
| New Mexico | $77 | $159 |
| New York | $85 | $185 |
| North Carolina | $67 | $145 |
| North Dakota | $39 | $149 |
| Ohio | $46 | $97 |
| Oklahoma | $62 | $183 |
| Oregon | $113 | $238 |
| Pennsylvania | $70 | $189 |
| Rhode Island | $105 | $253 |
| South Carolina | $55 | $132 |
| South Dakota | $43 | $219 |
| Tennessee | $72 | $168 |
| Texas | $66 | $164 |
| Utah | $82 | $159 |
| Vermont | $48 | $130 |
| Virginia | $59 | $119 |
| Washington | $64 | $158 |
| Washington, D.C. | $89 | $179 |
| West Virginia | $74 | $171 |
| Wisconsin | $43 | $137 |
| Wyoming | $15 | $83 |
Geico car insurance discounts
Geico offers a wide range of car insurance discounts that can help make your rate a lot cheaper. Geico’s multi-vehicle discount can save you up to 25%, for example, and insuring a newer vehicle can save you up to 15%.
Geico also offers discounts for safe driving, students and those in certain professions.
Car insurance discounts from Geico
| Type of discount | Does Geico offer it? |
|---|---|
| Anti-lock | Yes |
| Anti-theft | Yes |
| Automatic payment | Yes |
| Away at school | Yes |
| Continuous insurance | No |
| Daytime running lights | Yes |
| Deployment | Yes |
| Driver education | Yes |
| Early shopper | Yes |
| Federal employee | Yes |
| Good student | Yes |
| Low mileage | No |
| Membership and employee | Yes |
| Military | Yes |
| Multi-car | Yes |
| Multi-policy | Yes |
| New car | Yes |
| Online quote | Yes |
| Paperless | Yes |
| Pay in full | Yes |
| Restraint device | Yes |
| Safe/good driver | Yes |
| Senior | No |
| Teen driver | No |
| Usage-based program | No |
Geico car insurance coverage
Geico has all the standard coverage options you might expect from a car insurance company. However, Geico doesn’t offer as many optional coverages as its competitors.
Geico offers these optional coverages:
- Emergency road service: Comes to your aid during roadside emergencies
- Rental reimbursement: Helps pay for a rental car if your car is being repaired due to a covered claim
- Mechanical breakdown insurance: Helps pay for unexpected car repairs
Geico doesn’t offer these coverages, while some of its competitors do:
-
Custom parts and equipment
This covers features you’ve added to your car. Standard car insurance usually only covers factory-installed items on and in your vehicle.
- Gap coverage
-
New car replacement
If your car is totaled while it’s relatively new, new car replacement pays for a new one.
How much does Geico homeowners insurance cost?
Unlike its auto insurance, Geico offers home insurance coverage through other insurance companies, like AIG, Chubb and Travelers. You buy the policy through Geico, but you’ll work with one of these partners if you need to file a claim or manage your coverage.
Your home insurance rate will differ based on which partner company provides your coverage. For example, Narragansett Bay may be Geico’s cheapest home insurance partner where you live. In other areas, Travelers or another company may be the cheapest option.
Geico works with more than 40 different home insurance companies, but here are a few.
Sample of Geico home insurance partner rates
| Company | Average annual rate | LendingTree score |
|---|---|---|
| Narragansett Bay | $2,205 | 2.5 |
| Travelers | $3,216 | 3.5 |
| Chubb | $2,812 | 4 |
This compares with a national average home insurance rate of $2,636 a year.
Home insurance discounts from Geico
Your home insurance discounts may differ based on the Geico partner that provides your coverage. However, if you have car insurance or another policy with Geico, you can get a multi-policy discount.
Some other common discounts you can get from most home insurance companies include:
- Autopay discount
- Home security discount
- Safety equipment discount
- New home discount
Home insurance coverages
Your coverage options also may be different depending on the partner you work with through Geico. You can expect them to offer at least these basic protections, though:
- Dwelling coverage: Covers the structure of your home, as well as attached structures
- Personal property: Covers belongings like furniture, electronics and clothing
- Personal liability: Protects you if someone is injured on your property or if you cause damage to someone else’s property
- Medical payments: Helps pay medical expenses if someone is injured in your home
- Loss of use: Covers certain expenses if you need to relocate while your home is being repaired
How we obtained car and home insurance rates
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of insurance quotes for a typical driver or homeowner. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Car insurance coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
—
Home insurance coverage limits
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
How we evaluated Geico and other insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
*USAA is only available to current and former members of the military as well as certain family members.