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Our experts answer readers’ insurance questions and write unbiased product reviews (here’s how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.
GEICO Auto Insurance has some of the industry’s most affordable rates across all ages, genders, and driving histories, and all quotes can quickly be done online, making it highly accessible. Whether at home, on vacation, etc., you only need an internet connection on your phone or other mobile devices to quote, buy, or manage your car insurance coverage. It also offers many discounts to lower your premiums even further. GEICO may be the best option for drivers on a tight budget based on price to keep you on the road.
However, GEICO’s coverage is not as comprehensive as some might like. Specifically, if you’re looking for rideshare coverage or gap insurance, GEICO’s coverage options are limited compared to other popular auto insurance companies.
GEICO insurance meets standard auto insurance requirements for most customers. This is true whether you need basic coverage to meet state requirements or if you’re financing or leasing a vehicle. Coverage options include:
GEICO Auto Insurance offers competitive rates across all ages, genders, and driving histories compared to other big insurers, which can be even cheaper if paired with its long list of discount options. However, consumers may be underwhelmed by its lack of coverage options and limited access to local agents.
Age
GEICO Average Premiums
National Average (Females)
National Average (Males)
Teens
$220
$345
$386
20s
$90
$223
$240
30s
$103
$164
$167
40s
$85
$154
$154
50s
$81
$138
$140
60s
$72
$136
$142
70s
$108
$160
$173
If you need to file a claim with GEICO, you can do so on the GEICO mobile app, geico.com/claims, or phone a representative at (800)-841-3000. Remember, you must pay a deductible before GEICO reimburses your claim. If your deductible exceeds your claim amount, GEICO may deny your claim.
The Insurance Information Institute outlines information and documents you should gather to start a GEICO claim.
You can speak to a GEICO insurance customer service representative by phone at 1-800-207-7847, email, or live chat.
GEICO offers some of the cheapest rates for all drivers. However, your rates may increase if you have a traffic infraction, were involved in an accident, or had a DUI/DWI. As it does not have riders some other insurers may have, it’s essential to run quotes for similar coverage from multiple providers and consider the key coverages you want.
You can contact GEICO via phone, mobile app, and web browser. You can even chat with a live agent to assist with your inquiry.
Individual GEICO agents may offer varying levels of service. We’ve seen mixed reviews about its car insurance. However, GEICO may also provide its customers with better service than other drivers filing liability claims against its drivers.
At Personal Finance Insider, we strive to create accurate, unbiased, and helpful reviews. So, we used our tools to ensure we publish up-to-date, comprehensive reviews so you can make the most informed decision on where to spend your money. We write our product guides and reviews based on research from third-party rating agencies and online customer reviews. Our insurance rating methodology goes into further detail.
The best insurance company offers quality coverage and customer service at a reasonable price. So, we review insurance companies based on the cost of a policy, quality of insurance agents, customer service, breadth of coverage, financial stability, and availability. We then assess how an insurance company stacks up against the industry average and amongst competitors of similar caliber in those areas.
Insurance Companies
GEICO
State Farm
Average Premiums (for drivers in their 30s)
$103
$99
JD Power Ranking
871
881
AM Best
A++
A++
NAIC Complaint Index Score
1.92
1.64
GEICO and State Farm Auto Insurance offer affordable rates to a diverse range of drivers. The companies also provide opportunities to lower premiums even more. However, State Farm allows you to bundle your auto and life insurance policies. GEICO doesn’t, as it partners with different life insurance companies depending on your state. However, GEICO has more discounts than State Farm. For instance, GEICO offers a military discount, while State Farm doesn’t. You may also experience better customer service and claims satisfaction with State Farm than with GEICO.
GEICO and State Farm offer similar amounts of coverage. However, GEICO sells accident forgiveness and mechanical breakdown insurance, while State Farm doesn’t. Conversely, State Farm offers rideshare insurance, essential for Uber, Lyft, and other gig workers using their cars for work. Customers can manage policies through online portals, but all State Farm policies have to be quoted by licensed insurance agents.
Insurance Companies
GEICO
Allstate
Average Premiums (for drivers in their 30s)
$103
$106
JD Power Ranking
871
876
AM Best
A++
A+
NAIC Complaint Index Score
1.92
2.74
GEICO and Allstate Auto Insurance are major insurance companies offering competitive rates. However, GEICO has more discounts to lower your rates even more. On the other hand, if you value claims satisfaction, Allstate may be right for you. Allstate scores higher in claims satisfaction and has a claims satisfaction guarantee, which refunds six months of your premiums if you’re unhappy with its service.
Allstate also has more coverage options and a telematics program that is available nationwide, while GEICO’s telematics program is only available in 28 states. Plus, Allstate‘s usage-based program won’t penalize you for poor driving, while GEICO will. Finally, Allstate policies are quoted exclusively through its captive insurance agents. However, customers may enjoy more discounts and expert advice on bundling home, auto, and other policies.
Insurance Companies
GEICO
Allstate
Average Premiums (for drivers in their 30s)
$103
$114
JD Power Ranking
871
856
AM Best
A++
A+
NAIC Complaint Index Score
1.92
1.45
Progressive Auto Insurance is slightly more expensive than GEICO. Additionally, GEICO offers more discounts to lower your rates and scores better in claims satisfaction than Progressive. However, while Progressive and GEICO offer online quoting, Progressive works with local insurance agents to provide another layer of support.
If you’re looking for a quality telematics program in your state, Progressive offers incentives without the possible penalties you might expect with GEICO. For example, Progressive’s usage-based insurance is offered in 48 states, while GEICO is only available in 28 states. Additionally, Progressive offers many coverage options, including rideshare insurance, gap coverage, and customer party coverage, while GEICO doesn’t.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.
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