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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Geico Car Insurance Review (2024)

Updated on:
Content was accurate at the time of publication.

Geico can be a good choice if you’re looking for a large national car insurance company that’s dependable, but it isn’t the best company for coverage or rates.

Find the Cheapest Car Insurance Quotes in Your Area

Pros

 Geico offers affordable car insurance rates if you’re a teen driver.

 Geico offers a wide range of discounts that could save you a lot of money.

Cons

 Geico offers few optional coverages, which can help you personalize your policy.

 Geico provides average to poor customer service, according to J.D. Power.

Geico is a good choice if you qualify for discounts and need a dependable company. Geico also has an AM Best rating of A++, which shows they’re in good financial standing and can pay out claims.

However, Geico offers average rates for most drivers and has an average customer satisfaction score.

Geico’s customer satisfaction ratings from J.D. Power’s 2023 auto insurance study were average to subpar in most parts of the country. Geico received the highest satisfaction score among its competitors in New England, though. Despite subpar customer satisfaction ratings, Geico employs thousands of agents, which increases your access to personalized assistance.

Geico’s rates are on par with national average rates. Geico car insurance policies cost $1,937 a year, on average, for full coverage and $727 for liability coverage.

CompanyFull coverageLiability coverage
USAA$1,203 $412
Erie$1,270 $497
State Farm$1,487 $597
Travelers$1,919 $835
American Family$1,920 $728
Farm Bureau$1,931 $548
Geico$1,937$727
Progressive$2,032 $791
Nationwide$2,226 $963
Amica$2,548 $1,098
Allstate$2,609 $1,158
Farmers$3,091 $1,188
AAA$3,835 $1,520

If you have an accident or speeding ticket on your driving record, Geico’s rates are average compared to other companies. However, if you have a DUI on your record, Geico’s rates are higher than average.

If you have a ticket or an accident on your record, your rate can increase by an average of 29% and 72%, respectively, under Geico. For a DUI, your rate can increase by 137%, on average.

CompanyClean recordTicketAccidentDUI
USAA$1,203 $1,457 $1,658 $2,252
Erie$1,270 $1,456 $1,597 $2,172
State Farm$1,487 $1,616 $1,843 $4,402
Travelers$1,919 $2,468 $2,699 $2,893
American Family$1,920 $2,352 $2,980 $3,114
Farm Bureau$1,931 $2,191 $2,662 $3,343
Geico$1,937 $2,493 $3,341 $4,584
Progressive$2,032 $2,606 $3,026 $2,547
Nationwide$2,226 $2,839 $3,460 $4,376
Amica$2,548 $2,739 $3,943 $8,905
Allstate$2,609 $3,073 $4,125 $3,875
Farmers$3,091 $4,252 $4,598 $4,758
AAA$3,835 $4,925 $6,454 $7,867

Full-coverage car insurance from Geico costs an average of $5,048 a year for teens. The average cost of liability-only coverage for teens is $2,044 a year from Geico. This is $776 cheaper than the national average rate of $5,824 for a full-coverage policy and $389 cheaper than the average rate for liability-only coverage.

CompanyFull coverage for a 18-year-oldLiability coverage for a 18-year-old
USAA$2,847 $1,030
Erie$3,086 $1,264
State Farm$4,128 $1,811
Farm Bureau$4,451 $1,574
Geico$5,048 $2,044
American Family$5,413 $2,364
Travelers$5,758 $2,655
Allstate$7,668 $3,399
Nationwide$7,743 $3,371
Progressive$8,495 $3,193
Amica$9,052 $4,071
AAA$9,111 $4,075
Farmers$9,354 $4,227

Among some of the largest car insurance companies, Geico has the cheapest rates in Alaska, California, Hawaii, Massachusetts and New Jersey for a full-coverage policy.

StateFull coverageLiability coverage
Alabama$3,115 $1,130
Alaska$1,339 $564
Arizona$2,081 $989
Arkansas$2,230 $682
California$1,486 $425
Colorado$1,786 $625
Connecticut$1,716 $767
Delaware$2,976 $1,338
Florida$2,007 $469
Georgia$2,288 $971
Hawaii$989 $364
Idaho$1,169 $364
Illinois$2,255 $973
Indiana$1,639 $645
Iowa$1,977 $676
Kansas$1,679 $529
Kentucky$2,296 $960
Louisiana$4,235 $1,239
Maine$1,263 $538
Maryland$1,563 $803
Massachusetts$1,442 $544
Michigan--
Minnesota$2,426 $885
Mississippi$2,276 $689
Missouri$3,038 $1,113
Montana$2,046 $432
Nebraska$1,774 $383
Nevada$2,400 $974
New Hampshire$1,323 $619
New Jersey$1,163 $583
New Mexico$2,068 $816
New York$2,209 $1,038
North Carolina$1,677 $696
North Dakota$1,896 $509
Ohio$1,245 $520
Oklahoma$2,368 $768
Oregon$2,633 $1,225
Pennsylvania$2,563 $812
Rhode Island$2,611 $1,287
South Carolina$1,421 $584
South Dakota$1,940 $438
Tennessee$1,730 $557
Texas$1,830 $761
Utah$2,348 $1,103
Vermont$1,386 $547
Virginia$1,363 $593
Washington$1,209 $505
Washington, D.C.$1,627 $657
West Virginia$2,011 $885
Wisconsin$1,780 $568
Wyoming$965 $212

Geico offers a variety of car insurance discounts that can provide great savings. Geico’s multi-vehicle discount can save you up to 25%, for example, and a new vehicle model can save you up to 15%.

Geico also offers a variety of discounts, such as discounts for good driving, student discounts and discounts for certain professions.

Discount typePotential savings
Airbag23%
Anti-lock brakes5%
Anti-theft system23%
Daytime running lights3%
New vehicle15%
Good driver22% (five years accident-free)
Seat belt useVaries
Defensive drivingVaries
Driver's education courseVaries
Good student15%
Emergency deployment25%
Federal employee 12%
Membership and employeeVaries
Military15%
Multi-vehicle25%
Multi-policyVaries

Geico has all the standard car insurance coverage options you might expect from a car insurance company. However, Geico doesn’t offer as many optional coverages as their 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.

Methodology

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates are based on an analysis of car insurance quotes for sample drivers.

Unless stated otherwise, we used thousands of car insurance quotes from across the U.S. for a 30-year-old man with good credit and no tickets, accidents or DUI convictions, driving a 2015 Honda Civic EX.

For full-coverage policies, coverage limits include:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible