Geico car insurance review 2024 (2024)

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Auto Insurance

Timothy Moore

Jennifer Lobb

Verified by an expert

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

BLUEPRINT

Updated 4:33 p.m. UTC Jan. 26, 2024

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Geico

Blueprint Rating

Learn More

Average rate for good drivers

$1,597

Customer complaint level

Low

What you should know

Geico’s rates are competitive for a wide range of age groups and drivers with various driving records. Drivers who need the lowest premiums but do not qualify for USAA should make sure they get quotes from Geico. Weigh the pros and cons of this insurer in our Geico car insurance review.

More details

Average rates

Driver profile	Average annual car insurance rate
Good driver	$1,597
After an accident with injury	$2,748
After an accident with property damage	$2,718
After a DUI	$3,723
After a speeding ticket	$2,150
Young driver (18 to 25)	$2,781
Senior driver	$1,793
Parents adding a teen driver	$3,866
Poor credit	$2,482
After a gap in coverage	$2,029

Pros

Competitive rates for senior drivers, 16-year-olds on a parent’s policy, young drivers and drivers with poor credit.
Below average rates for good drivers as well as those with a speeding ticket or accident on their record.
DriveEasy usage-based insurance can unlock potential savings for good drivers.

Cons

Average rates for drivers with a DUI.
No gap insurance, rideshare insurance or new car replacement coverage.
Bundling discount for auto and home coverage is only 8% on average.

Why trust our car insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

260 companies analyzed.
347 rates reviewed.
5 levels of fact-checking.

Does Geico have good car insurance?

Geico’s competitive rates for a wide range of age groups and drivers with various driving records help it secure a spot in our best auto insurance and cheapest car insurance ratings.

Drivers who need the lowest premiums but do not qualify for USAA should make sure they get a car insurance quote from Geico.

Known for clever marketing and low rates for drivers of all ages, Geico is a good choice for those on a budget. Drivers can seek lower premiums with Geico through several discounts, including multi-policy and multi-vehicle. Drivers who participate in Geico’s DriveEasy usage-based insurance program can earn lower rates for good driving behavior, though risky driving could actually lead to premium increases.

While Geico offers a wide range of coverages, the auto insurance provider is notably missing gap insurance and rideshare insurance. It also has less than competitive discounts for customers who choose to bundle home and auto insurance policies.

Geico compared to other top car insurance companies

Car insurance company	Average annual rate for good drivers	Customer complaint level	Our rating	Learn More CTA text	Learn more CTA below text
Nationwide	$1,436	Low	5.0 stars	See Plans	See plans offered by participating partners
Travelers	$1,521	Low	5.0 stars	See Plans	See plans offered by participating partners
USAA	$1,364	Low	5.0 stars	See Plans	See plans offered by participating partners
Erie	$1,642	Low	4.5 stars	See Plans	See plans offered by participating partners
Geico	$1,597	Low	4.0 stars	See Plans	See plans offered by participating partners
Progressive	$1,826	Low	4.0 stars	See Plans	See plans offered by participating partners
Auto-Owners	$1,855	Very Low	3.5 stars	See Plans	See plans offered by participating partners
Westfield	$1,984	Very Low	3.5 stars	See Plans	See plans offered by participating partners
State Farm	$2,025	Low	3.0 stars	See Plans	See plans offered by participating partners
Allstate	$2,896	Low	2.0 stars	See Plans	See plans offered by participating partners
Farmers	$3,093	Low	2.0 stars	See Plans	See plans offered by participating partners

Types of car insurance coverage offered by Geico

You can get full coverage auto insurance with Geico, as well as additional coverage for a more robust policy. Here’s everything Geico offers drivers:

Liability car insurance.
Collision and comprehensive car insurance.
Uninsured and underinsured motorist coverage.
Nonowners insurance.
Accident forgiveness (not available in all states).
Usage-based insurance.
Medical payments.
Personal injury protection.
SR-22.
Rental reimbursem*nt.
Emergency road service.
Mechanical breakdown insurance.

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Other insurance products from Geico

Geico may be well known for its car insurance, but it offers a wide range of policies. In fact, if you carry auto insurance with Geico, it’s a good idea to see what other policies you can add to take advantage of bundle discounts.

Geico’s full list of other insurance options includes:

Earthquake insurance.
Flood insurance.
Homeowners insurance.
Life insurance.
Pet insurance.
Renters insurance.
Travel insurance.
Umbrella insurance.
ATV.
Boat and personal watercraft.
Business.
Car insurance for Mexico.
Condo.
Collector car.
Commercial auto.
Co-op.
Event.
Identity protection.
Jewelry.
Medical malpractice.
Mobile home.
Motorcycle.
Overseas.
Snowmobile.

Geico car insurance reviews

Low prices, a user-friendly approach and brand recognition inspire customers to sign up for Geico — the insurance provider has more than 18 million auto policies in force covering more than 30 million vehicles.

But what do current customers think about Geico? Geico generates a below-average number of customer complaints to state insurance departments when compared to the industry average, according to data from the National Association of Insurance Commissioners (NAIC).

Before purchasing a policy, take some time to read Geico car insurance reviews and speak to friends and family to see if they have experience with Geico. It’s also wise to get at least three car insurance quotes to compare rates, coverages and reviews.

Methodology

Our insurance experts evaluated top car insurance companies in the nation to determine which offer claims the best-rated auto insurance based on average rates, coverage features, collision claims process and consumer complaints.

Each car insurance company was eligible for up to 100 points, based on its performance in the following key categories:

Geico car insurance review FAQs

No, Geico does not offer gap insurance. If you finance a vehicle and it’s stolen or totaled, gap insurance covers the difference between what you still owe on the car and the car’s current value.

If you want a policy that offers gap insurance, consider getting quotes from Auto-Owners, Nationwide or Travelers. Each earns a spot in our best auto insurance rating and offers gap insurance.

Yes, Geico offers full coverage auto insurance, which consists of liability, comprehensive and collision insurance.

Full coverage car insurance policies will also typically include any other state-mandated coverages, such as personal injury protection (PIP) or medical payments coverage (MedPay).

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Timothy Moore

BLUEPRINT

Timothy Moore is a writer and editor covering personal finance, travel, autos, and home renovation. He's written financial advice for sites like LendEDU, LendingTree, Forbes Home and The Penny Hoarder; edited complex ROI analyses for B2B tech companies like Microsoft and Google; served as managing editor at a print magazine; led content creation for a digital marketing agency; and written for brands like Chime, Angi and SoFi.

Jennifer Lobb

BLUEPRINT

Jennifer Lobb is deputy editor at USA TODAY Blueprint and is an experienced insurance and personal finance writer. Jennifer served as an insurance staff writer and editor at U.S. News and World Report and deputy editor of insurance at Forbes Advisor. She also spent several years covering finance and insurance for various financial media sites, including LendingTree and Investopedia. For nearly a decade, she’s helped consumers make educated decisions about the products that protect their finances, families and homes.