Geico Car Insurance Review
$1,937
- Rates are affordable if you’re a teen driver
- Wide range of discounts could save you a lot of money
- Not many optional coverages, which can help you personalize your policy
- Customer service is average to poor, according to J.D. Power
Geico reviews: Is Geico a good insurance company?
Geico is a good choice if you qualify for discounts and need a dependable company. Geico has an AM Best rating of A++, which shows they’re in good financial standing and can pay out claims. Geico sets itself apart by offering many discounts that can provide a lot of savings. 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.
How much is Geico car insurance?
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.
Geico is the seventh-cheapest insurance company for full-coverage policies and fifth-cheapest for liability-only coverage. Compared to State Farm, Geico’s full-coverage policies are about $500 more per year, on average.
| Company | Full coverage | Liability 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 |
Geico car insurance cost for a bad driving record
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.
On average, car insurance rates go up 23% after a ticket, 49% after an accident and 84% after a DUI.
| Company | Clean record | Ticket | Accident | DUI |
|---|---|---|---|---|
| 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 |
| Average | $1,970 | $2,427 | $2,930 | $3,626 |
| 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 |
Geico car insurance rates for teens
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.
Competitors like State Farm and Erie offer full-coverage policies that are about $1,000 and $2,000 cheaper, respectively.
| Company | Full coverage for a 18-year-old | Liability 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 |
| Average | $5,824 | $2,433 |
| 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 |
Geico car insurance quotes by state
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. Geico’s rates are close to 60% more than the state average in Alabama and Missouri.
| State | Full coverage | Liability coverage | Percent difference from state average (full coverage) | Percent difference from state average (liability coverage) |
|---|---|---|---|---|
| Alabama | $3,115 | $1,130 | 57% | 58% |
| Alaska | $1,339 | $564 | -13% | -7% |
| Arizona | $2,081 | $989 | -22% | -8% |
| Arkansas | $2,230 | $682 | 19% | 10% |
| California | $1,486 | $425 | -20% | -26% |
| Colorado | $1,786 | $625 | -30% | -30% |
| Connecticut | $1,716 | $767 | -27% | -30% |
| Delaware | $2,976 | $1,338 | 20% | 4% |
| Florida | $2,007 | $469 | -33% | -61% |
| Georgia | $2,288 | $971 | 25% | 23% |
| Hawaii | $989 | $364 | -40% | -40% |
| Idaho | $1,169 | $364 | -5% | -12% |
| Illinois | $2,255 | $973 | 7% | 15% |
| Indiana | $1,639 | $645 | 8% | 21% |
| Iowa | $1,977 | $676 | 19% | 52% |
| Kansas | $1,679 | $529 | -16% | -14% |
| Kentucky | $2,296 | $960 | 0% | -19% |
| Louisiana | $4,235 | $1,239 | 56% | 31% |
| Maine | $1,263 | $538 | 15% | 7% |
| Maryland | $1,563 | $803 | -24% | -27% |
| Massachusetts | $1,442 | $544 | -30% | -28% |
| Michigan | – | -- | - | - |
| Minnesota | $2,426 | $885 | 29% | 19% |
| Mississippi | $2,276 | $689 | 27% | 4% |
| Missouri | $3,038 | $1,113 | 59% | 62% |
| Montana | $2,046 | $432 | -6% | -25% |
| Nebraska | $1,774 | $383 | -7% | -19% |
| Nevada | $2,400 | $974 | -19% | -29% |
| New Hampshire | $1,323 | $619 | 15% | 15% |
| New Jersey | $1,163 | $583 | -48% | -58% |
| New Mexico | $2,068 | $816 | 6% | 29% |
| New York | $2,209 | $1,038 | 9% | -2% |
| North Carolina | $1,677 | $696 | 29% | 31% |
| North Dakota | $1,896 | $509 | 2% | -2% |
| Ohio | $1,245 | $520 | -6% | -2% |
| Oklahoma | $2,368 | $768 | 12% | 17% |
| Oregon | $2,633 | $1,225 | 24% | 12% |
| Pennsylvania | $2,563 | $812 | 38% | 35% |
| Rhode Island | $2,611 | $1,287 | -1% | 6% |
| South Carolina | $1,421 | $584 | -21% | -27% |
| South Dakota | $1,940 | $438 | -4% | 25% |
| Tennessee | $1,730 | $557 | 11% | 10% |
| Texas | $1,830 | $761 | 0% | 9% |
| Utah | $2,348 | $1,103 | 4% | 12% |
| Vermont | $1,386 | $547 | 13% | 31% |
| Virginia | $1,363 | $593 | -15% | -17% |
| Washington | $1,209 | $505 | -21% | -22% |
| Washington, D.C. | $1,627 | $657 | -22% | -31% |
| West Virginia | $2,011 | $885 | 18% | 34% |
| Wisconsin | $1,780 | $568 | 16% | 13% |
| Wyoming | $965 | $212 | -33% | -43% |
Geico car insurance discounts
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. Geico also offers more discounts than many of its competitors.
| Discount | Does Geico offer it |
|---|---|
| Continuous insurance | No |
| Multi-policy | Yes |
| Air-bag | Yes (23%) |
| Anti-lock | Yes (5%) |
| Anti-theft | Yes (23%) |
| Multi-car | Yes (25%) |
| Safe/good driver | Yes 22% (five years accident-free) |
| Good student | Yes (15%) |
| Teen driver | No |
| Away at school | No |
| Federal employee | Yes (12%) |
| Online quote | No |
| Paperless | No |
| Pay in full | No |
| Automatic payment | No |
| New car | Yes (15%) |
| Military | Yes (15%) |
| Membership & employee | Yes |
| Daytime running lights | Yes (3%) |
| Emergency deployment | Yes (25%) |
| Early quote | No |
| Driver education | Yes |
| Usage based program | No |
| Low mileage | No |
| Accident free / clean record | No |
| Responsible payer | No |
| Senior | No |
Geico car insurance coverage
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.
Geico doesn’t offer these coverages, while some of its competitors do:
- Custom parts and equipment
- Gap coverage
- New Car Replacement