GEICO was founded in 1936 as the Government Employees Insurance Company. Since then, it has grown to be one of the largest nationwide car insurance companies, with over 17 million cars insured and a memorable gecko mascot. With a wide range of policy options and outstanding customer service, GEICO has high customer satisfaction rankings. Let’s take a closer look at the policies, pricing, discounts, and more to help you decide whether GEICO car insurance is right for you.
- Pros and Cons
- Company Overview
Consistently high customer satisfaction rankings
Policies designed for current and former military personnel
Top-ranked digital tools for claims and policy management
Offers mechanical breakdown insurance, which few insurers do
Limited access to local agents
Not as many optional coverages as other auto insurers
Some coverage options are underwritten by other companies, which may require investigation
Mechanical breakdown insurance only available for new cars (less than 15 months old and fewer than 15,000 miles)
Offers a main phone number with many prompts, instead of dedicated quotes and claims phone numbers
- Official Website www.geico.com
- Insurance Offered Car, boat, RV, homeowners, renters, flood, business, and more
- Customer Service Available 24/7 via phone (1-800-207-7847), Twitter (@GEICO_Service), or a contact form (https://www.geico.com/contact-us/email/)
- Year Founded 1936
GEICO Car Insurance Coverage
GEICO offers all the basic car insurance coverage:
- Bodily injury liability
- Property damage liability
- Personal injury protection (PIP)
- Uninsured motorist coverage
- Underinsured motorist
GEICO also offers these optional add-on coverages or endorsements, depending on your location:
- Emergency roadside service
- Rental reimbursement
- Mechanical breakdown insurance
- Glass coverage
- Accident forgiveness
GEICO’s mechanical breakdown insurance covers certain mechanical failures for newer cars (it’s renewable for up to 7 years/100,000 miles).
Factors That Affect Your GEICO Insurance Cost
Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle and how you use it (business, personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium.
GEICO Car Insurance Discounts
GEICO offers many ways to get discounts on your auto insurance premiums. However, some discounts only apply to specific coverages, like medical or collision, and availability may vary based on your location:
- Youth discounts: Good student (up to 15%)
- Loyalty discounts: Multi-policy, multi-car (up to 25%)
- Safety discounts: New vehicle (up to 15%), good river (26%), defensive driving course, DriveEasy telematics, air bag (up to 40%), anti-lock brakes (5%), anti-theft system (up to 25%), daytime running lights (1%), seatbelt use (15%),
- Other discounts: Emergency deployment (25%), federal employee (8%), membership, military (15%)
GEICO offers several policies and programs designed for military personnel, including overseas insurance partnerships, discounts for emergency deployment, and dedicated telephone support, which is why we found it to be one of the best insurers for members of the military.
GEICO Car Insurance Availability
GEICO offers car insurance in all 50 states. However, there may be limitations on certain coverages, features, or discounts, depending on where you live.
How to Get a GEICO Car Insurance Quote
GEICO makes it easy to get a quote with 24/7 phone service at 800-207-7847. You can also get a quote online or through the company’s app. If you prefer to meet an agent in person, you can visit a local office.
GEICO will request your Social Security number when you ask for a quote, although you can still get a quote without it. However, your price may become more accurate when you provide your SSN, since your credit-based insurance score can help you qualify for better rates.
How to File a Claim with GEICO
GEICO’s online claims center offers several options for assistance. You can also file a claim through the GEICO app, which lets you submit photos of the incident, or call GEICO’s main customer service number at 800-207-7847 and follow the prompts. You can check on your claim’s status online through GEICO Claims Express or through the GEICO app.
GEICO lets you choose where you want to get repairs done. If you choose GEICO Auto Repair Xpress, the company will guarantee the repairs for as long as you own your car.
GEICO Customer Service
|Study||How GEICO Fared|
|J.D. Power 2020 Auto Claims Satisfaction Study||Tied for #12 out of 22|
|J.D. Power 2020 U.S. Auto Insurance Satisfaction Study||
#1 in North Central, Northwest, and Southwest
|J.D. Power 2020 U.S. Insurance Shopping Study||#1 out of 8|
|J.D. Power 2020 U.S. Insurance Digital Experience Study||
#1 out of 19 for service
GEICO gets top marks in almost every customer experience and satisfaction study by J.D. Power. It was ranked first in three regions in the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study, and in the top five companies in all other regions of the U.S. GEICO’s overall average score of 843 across all regions puts it 10 points ahead of the industry average of 833 .
The company ranked #12 out of 22 on the J.D. Power 2020 Auto Claims Satisfaction Study, which is much lower than its 2019 ranking, when it tied at rank #3.
Digital Service and Shopping Experience
Customer service is available 24/7 through GEICO’s call center, or you can visit local agents. You can access your policy information through an online account, via the GEICO app, or through a virtual assistant on mobile. You can even connect your GEICO account to Siri, Amazon Alexa, and Google Home to access answers and policy information on demand.
GEICO was ranked #1 on the J.D. Power 2020 U.S. Insurance Digital Experience Study for customer service.
However, in the same study, GEICO’s digital shopping experience earned it 21st place on a list of 22 insurers. Interestingly, the 2020 J.D. Power Insurance Shopping Study awarded GEICO the highest score among large insurers for customer purchase experience. So you may wish to shop over the phone versus online, for the best experience.
GEICO has an AM Best Financial Strength Rating of A++ (Superior). A company’s financial strength rating is an indicator of whether or not it can meet its financial responsibilities, including paying claims, so this ranking indicates excellent financial stability.
Other Insurance Provided by GEICO
Purchasing several kinds of insurance from one provider can make it easier to manage. GEICO matches shoppers with GEICO-affiliated or non-affiliated vehicle insurance, including:
- Classic and collector car insurance
- Motorcycle and scooter insurance
- Boat/personal watercraft
- Commercial auto
- Rideshare (offered through a partner company)
- Overseas insurance (offered through a GEICO affiliate)
- Mexico insurance coverage (offered through a partner company)
Other insurance options include:
- Homeowners, condo and other property insurance
- Pet insurance
- Life insurance
- Business insurance
- Travel insurance
GEICO also offers rideshare insurance through a partner insurer, but it’s a little different from most other companies’ rideshare policies. Instead of adding a ridesharing endorsement to your existing policy, GEICO explained over the phone that the partner company offers a hybrid commercial policy that covers both your personal driving and your work for Uber, Lyft, and on-demand delivery companies.
Compare Other Car Insurance Reviews
Although GEICO has many advantages, the only way to make sure you’re getting the best price on car insurance is to shop around. Here are some other options with similar coverages:
- GEICO is a top-ranked insurance company with consistently high levels of customer satisfaction and high financial stability ratings.
- GEICO designs insurance premiums, discounts and policies for service members
- If you have unique insurance needs, GEICO can act as a middleman for partner insurers that may be able to help you customize a quote
- Many discounts are available based on your driving habits, vehicle safety features, and affiliations
The Balance strives to give consumers unbiased, comprehensive reviews of auto insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.
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J.D. Power. “Auto Insurance Claims Satisfaction Climbs to Record High as Carriers Refine Customer Experience During Pandemic, J.D. Power Finds.” Accessed Nov. 5, 2020.
J.D. Power. "Property & Casualty Insurers Raise Digital Games as COVID-19 Elevates Customer Expectations, J.D. Power Finds." Accessed Nov. 5, 2020.
J.D. Power. "Direct-to-Consumer Auto Insurers Take Top Honors in Shopping Study as New Normal Arrives for P&C Industry, J.D. Power Finds." Accessed Nov. 5, 2020.
AM Best. "AM Best Affirms Credit Ratings of Members of GEICO, GEICO Corporation and Its Affiliate." Accessed Nov. 5, 2020.
GEICO. "GEICO Is More Than Just Car Insurance." Accessed Nov. 5, 2020.
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