Geico Car Insurance Review for 2024 [See Actual Rates]
Geico car insurance offers top-notch coverage with minimum coverage starting at $28 monthly, making it a leading choice for budget-conscious drivers. Geico’s accident forgiveness program helps keep premiums low after an accident, offering great value as highlighted in this Geico car insurance review.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Geico Car Insurance
Average Monthly Rate For Good Drivers
$28A.M. Best Rating:
A++Complaint Level:
LowPros
- 24/7 customer support with an easy-to-use mobile app
- Discounts for bundling and multiple vehicles
- Accident forgiveness program available for eligible drivers
- Highly rated for claims satisfaction by many customers
Cons
- Higher rates for drivers with a history of accidents
- Limited local agent availability compared to other insurers
- Rate increases reported after the initial policy term
Explore in this Geico car insurance review how Geico shines with its superior protection plans and outstanding customer assistance.
Featuring accident forgiveness and an intuitive mobile platform, Geico consistently ranks high in client approval. Learn more in our article, “Cheapest Car Insurance Companies.”
Geico Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.5 |
| Business Reviews | 4.5 |
| Claim Processing | 4.8 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.4 |
| Customer Satisfaction | 4.5 |
| Digital Experience | 5.0 |
| Discounts Available | 4.7 |
| Insurance Cost | 4.4 |
| Plan Personalization | 4.5 |
| Policy Options | 4.1 |
| Savings Potential | 4.5 |
This review emphasizes how its extensive savings programs and solid reputation make it a prime option for motorists seeking dependability.
Our free online comparison tool above allows you to instantly compare Geico car insurance with other providers — enter your ZIP code to get started.
- Geico holds a solid 4.5 rating for its dependable coverage and service
- Accident forgiveness and an easy-to-use app contribute to high satisfaction
- Extensive discounts make Geico a smart pick for cost-conscious drivers
Impact of Age on Geico Insurance Costs
Understanding how your age and gender affect your Geico car insurance rates is crucial. The table below reveals the variations in premiums based on coverage level, age, and gender, highlighting factors affecting the price of car insurance.
Geico Car Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $114 | $298 |
| Age: 16 Male | $125 | $312 |
| Age: 18 Female | $93 | $220 |
| Age: 18 Male | $125 | $254 |
| Age: 25 Female | $36 | $97 |
| Age: 25 Male | $35 | $93 |
| Age: 30 Female | $32 | $90 |
| Age: 30 Male | $32 | $87 |
| Age: 45 Female | $30 | $80 |
| Age: 45 Male | $30 | $80 |
| Age: 60 Female | $28 | $73 |
| Age: 60 Male | $29 | $74 |
| Age: 65 Female | $30 | $78 |
| Age: 65 Male | $30 | $78 |
The data in the table demonstrates clear patterns in premium rates. Younger drivers, particularly males aged 16 to 18, face significantly higher costs, with minimum coverage starting at $114 for females and $125 for males.
As drivers reach their 20s and 30s, premiums decrease substantially, especially for full coverage. By age 45, male and female drivers enjoy some of the lowest rates, with full coverage around $80 monthly. Geico offers competitive pricing across all age groups, with rates influenced by both gender and coverage preferences.
Maintaining a clean driving record ensures the lowest premiums, while violations like DUIs and accidents lead to steep increases in rates. Geico’s pricing structure rewards safe drivers with more affordable coverage, making it crucial to drive responsibly.
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Geico Car Insurance Ratings Overview
Geico consistently ranks high across various key metrics, making it a top-tier choice for insurance shoppers. From customer satisfaction to the digital experience, its comprehensive offerings cater to a wide range of drivers seeking reliability and value.
Geico Car Insurance Rating
| Rating Criteria | |
|---|---|
| Overall Score | 4.5 |
| Business Reviews | 4.5 |
| Claim Processing | 4.8 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.4 |
| Customer Satisfaction | 4.5 |
| Digital Experience | 5.0 |
| Discounts Available | 4.7 |
| Insurance Cost | 4.4 |
| Plan Personalization | 4.5 |
| Policy Options | 4.1 |
| Savings Potential | 4.5 |
Geico’s solid scores reflect its strength in claim processing, coverage availability, and discounts, ensuring policyholders get robust protection with excellent service.
With an impressive overall score of 4.5, Geico continues to lead the market in key areas that matter most to customers. Get detailed insights on how to lower your car insurance cost.
How Geico Stacks Up Against Major Insurers
When comparing Geico’s car insurance rates to those of its competitors, the differences become clear across age and gender groups. The table shows how Geico consistently offers competitive pricing, especially for middle-aged drivers, often outperforming other leading providers.
Geico Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age: 45 Female | Age: 45 Male |
|---|---|---|
 | $162 | $160 |
 | $115 | $117 |
 | $139 | $139 |
| $80 | $80 |
 | $171 | $174 |
 | $113 | $115 |
 | $112 | $105 |
 | $86 | $86 |
 | $98 | $99 |
 | $59 | $59 |
Geico’s ability to maintain lower premiums while offering comprehensive coverage makes it a strong contender in the car insurance market.
With minimum coverage starting at $30 for drivers aged 45, Geico remains one of the most affordable options.Brandon Frady Licensed Insurance Producer
Whether you’re looking at rates from Allstate, USAA, or Liberty Mutual, Geico remains a reliable option for budget-conscious drivers.
Learn more by checking out our guide: The Different Types of Car Insurance Coverage
Driving History’s Influence on Geico Car Insurance
Geico’s car insurance rates are notably competitive when compared to other providers, especially for drivers with a clean record. The data illustrates how driving history impacts premiums, with significant jumps seen after tickets, accidents, and DUIs.
Geico Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $188 | $225 | $270 |
| $117 | $136 | $176 | $194 |
| $139 | $173 | $198 | $193 |
| $80 | $106 | $132 | $216 |
| $174 | $212 | $234 | $313 |
| $115 | $137 | $161 | $237 |
| $105 | $140 | $186 | $140 |
| $86 | $96 | $102 | $112 |
| $99 | $134 | $139 | $206 |
| $59 | $67 | $78 | $108 |
Drivers with a clean record will find Geico’s rates among the most affordable, though costs rise substantially for serious infractions like DUIs.
In comparison to companies like Allstate and Liberty Mutual, Geico continues to offer strong value, even as risk increases. Explore our review of filing a car insurance claim after an accident.
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Geico’s Comprehensive Insurance Options
Geico offers a variety of coverage options to meet the diverse needs of drivers, ensuring protection in nearly every situation. From essential liability coverage to more specialized options like rideshare insurance and mechanical breakdown insurance, Geico’s policies provide flexibility and security.
Geico Car Insurance Coverage Options
| Coverage Type | Description |
|---|---|
| Collision | Damage to your car from a collision |
| Comprehensive | Theft, vandalism, or weather damage |
| Emergency Roadside Assistance | Towing and roadside services |
| Liability | Injuries and damages you're responsible for |
| Mechanical Breakdown Insurance | Repairs not covered by warranties |
| Medical Payments | Medical bills for you and passengers |
| Personal Injury Protection (PIP) | Medical expenses and lost wages |
| Rental Reimbursement | Rental costs during car repairs |
| Rideshare Insurance | Coverage while driving for rideshare services |
| Uninsured/Underinsured Motorist (UIM) | Expenses if the other driver lacks coverage |
Geico’s broad range of coverage choices allows drivers to tailor their policies for maximum peace of mind, whether facing an accident, weather damage, or an uninsured motorist.
This weekend, we’re interviewing NASCAR drivers! If you could ask a driver one question, what would it be? We may just ask ’em for you… #GEICO500 #Talladega #NASCAR 🏁 pic.twitter.com/NqBLOFekGm
— GEICO (@GEICO) April 21, 2023
With comprehensive coverage options, Geico ensures that you’re prepared for the unexpected, no matter the circumstances. Find out more in our guide titled, “Bodily Injury Liability Insurance Coverage.”
Unlocking Extra Savings With Geico Car Insurance
Geico offers a variety of discounts that cater to drivers looking to lower their insurance premiums. These savings options reward everything from vehicle safety features to bundling policies, helping customers save significantly on their coverage. Uncover insights in our guide, “Things You Do That Can Raise Your Premiums.”
Geico Car Insurance Discounts by Savings Potential
| Discount | |
|---|---|
| Anti-Theft Device | 25% |
| Defensive Driving | 20% |
| Emergency Deployment | 25% |
| Federal Employee | 8% |
| Good Student | 15% |
| Military | 15% |
| Multi-Policy | 25% |
| Multi-Vehicle | 25% |
| New Vehicle | 15% |
| Pay-in-Full | 15% |
| Safe Driver | 25% |
| Seat Belt Use | 15% |
| Vehicle Safety Features | 15% |
With discounts like 25% off for multi-vehicle policies and anti-theft devices, Geico proves to be a top choice for those seeking affordable insurance. Whether you’re a federal employee or a student, these discounts make a noticeable difference in the overall cost.
Customer Satisfaction Ratings for Geico
Geico’s insurance ratings from different businesses reflect a strong reputation for customer satisfaction and financial stability. With high marks across multiple agencies, Geico continues to excel in offering reliable insurance solutions. Access in-depth insights in our guide, “How the States Rank on Uninsured Drivers.”
Geico Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 857 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Great Business Practices |
 | Score: 74/100 Good Customer Satisfaction |
 | Score: 0.55 Fewer Complaints Than Avg. |
 | Score: A++ Superior Financial Strength |
Geico’s superior financial strength and consistent customer service ratings demonstrate its commitment to maintaining trust and satisfaction in the business insurance sector. These strong ratings make Geico a top choice for businesses seeking dependable coverage and support.
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Geico Car Insurance: Pros and Cons Overview
Geico offers several advantages that make it a popular choice for drivers seeking both convenience and savings. Its features are designed to enhance customer experience and provide options for reducing costs.
- Easy Accessibility: Geico provides 24/7 customer support with a user-friendly mobile app for quick access to services.
- Bundling Benefits: Discounts are available for bundling policies and insuring multiple vehicles, helping drivers save more.
- Accident Forgiveness: Geico’s accident forgiveness program helps keep rates stable for eligible drivers, even after an incident.
These benefits contribute to Geico’s strong reputation for customer satisfaction. However, there are some drawbacks to consider for certain drivers.
- Costlier for Risky Drivers: Drivers with accident histories may face higher premiums compared to other insurers.
- Limited Agent Access: Geico’s limited local agent availability may be less convenient for those preferring in-person service.
- Price Hikes: Some customers report rate increases after their initial policy term, which can impact long-term affordability.
Though Geico offers a variety of benefits, these factors may influence the experience for some customers (For more information, read our “Do I need full coverage on a financed car?“).
The Long-Term Value of Geico Car Insurance
Geico car insurance stands out for its strong balance of affordability, customer satisfaction, and innovative features like accident forgiveness and bundling discounts. See more details in our guide titled, “What does car insurance cover?“
While it provides excellent service and mobile accessibility, higher rates for certain drivers and potential post-term rate increases are worth noting. Overall, Geico remains a solid choice for drivers looking for comprehensive coverage with competitive pricing options.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare Geico with other insurers near you.
Frequently Asked Questions
Is Geico a good insurance company?
Yes, Geico is highly rated for affordability and customer satisfaction, as shown in this Geico car insurance review, with competitive monthly rates and extensive coverage options. Explore more details in our complete resource titled, “How Car Insurance Works.”
What is Geico’s best rating?
According to this Geico car insurance review, Geico holds an A++ rating for superior financial strength, demonstrating its reliability.
What is Geico’s weakness?
Geico’s main drawback, as mentioned in this Geico car insurance review, is higher rates for drivers with accident histories compared to some competitors.
Why is Geico so successful?
Geico’s success, as highlighted in this Geico car insurance review, stems from its affordable rates, discounts, and user-friendly online tools. Discover more by checking out our guide titled, “Why do you need car insurance?”
Who is Geico’s biggest competitor?
Geico’s largest competitor, based on this Geico car insurance review, is USAA, especially for drivers who qualify for military discounts.
Does Geico refund if you cancel?
Yes, according to this Geico car insurance review, Geico may issue a prorated refund depending on the time left on your policy.
Does Geico have a disappearing deductible?
Geico does not offer a disappearing deductible, as noted in this Geico car insurance review, but it provides other cost-saving features. Find out more by reading our guide titled, “When to Use Your Deductible.”
Who is the owner of Geico insurance?
As discussed in this Geico car insurance review, Geico is a subsidiary of Berkshire Hathaway, owned by Warren Buffett.
Does Geico have a grace period?
Yes, Geico typically offers a short grace period for missed payments, as seen in this Geico car insurance review.
Does Geico charge a cancellation fee?
Geico does not charge a cancellation fee, making it easy to switch providers if necessary, according to this Geico car insurance review. Enter your ZIP code below into our free comparison tool to see how much Geico car insurance costs in your area.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
Tomer Ravid
GEICO review
Volodymyr_Korolevych
Adjuster stopped responding
Sergei_K
Can't get rid of them
vscore16
BAIT AND SWITCH
Trinidad2_
geico is the best
Jotwox
Not recommend
Waycross43_
Helpful
Babanana
Geico is amazing
Justin_Kim
Filing a claim at geico
Dingo
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