GEICO DriveEasy Program Review [2021]

GEICO DriveEasy is a mobile app that tracks driving habits. Drivers who operate their vehicles safely can receive up to 25 % off GEICO insurance premiums. To enroll in DriveEasy, download the app and complete the registration form. You'll only find GEICO DriveEasy car insurance quotes in the 25 states where the program is currently available.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 30, 2021

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Here's What You Need to Know

  • GEICO DriveEasy is an app that tracks driving habits and tailors discounts based on behavior
  • GEICO insured can save upward of 25% on car insurance premiums via GEICO DriveEasy
  • The GEICO DriveEasy program is now available in only 25 states

Usage-based car insurance programs are growing in popularity. The GEICO DriveEasy program is a mobile app designed to track driving behavior. Those who drive safely can net a discount to save on their rates.

Can unsafe drivers end up paying higher rates? We will answer this and show you further GEICO DriveEasy benefits and availability by state.

Before diving into this GEICO DriveEasy program review, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable car insurance rates in your area.

What is the GEICO DriveEasy program?

The GEICO DriveEasy program uses an app to track the insured’s driving habits. All they need to do is download the app and create their personalized GEICO login information.

What does this usage-based program do for GEICO’s insured? According to the Insurance Information Institute (III), these types of programs incentivize drivers to operate their vehicles safely and less frequently.

Provided the driver operates the vehicle safely, how much can be saved? Safe drivers can receive a discount upward of 25%. Knowing this, let’s take a look at a table showing GEICO rates by state:

GEICO Annual Rates by State
StateGEICO
Alabama$2,866.60
Alaska$2,879.96
Arizona$2,264.71
Arkansas$3,484.63
California$2,885.65
Colorado$3,091.69
Connecticut$3,073.66
Delaware$3,727.29
Florida$3,783.63
Georgia$2,977.20
Hawaii$3,358.86
Idaho$2,770.68
Illinois$2,779.16
Indiana$2,261.07
Iowa$2,296.16
Kansas$3,220.65
Kentucky$4,633.59
Louisiana$6,154.60
Maine$1,510.17
Maryland$3,832.63
Massachusetts$2,823.05
Michigan$6,430.11
Minnesota$3,498.54
Mississippi$4,087.21
Missouri$2,885.33
Montana$3,602.35
Nebraska$3,837.49
Nevada$3,662.09
New Hampshire$1,615.02
New Jersey$2,754.94
New Mexico$4,458.30
New York$2,428.24
North Carolina$2,936.69
North Dakota$2,668.24
Ohio$1,867.19
Oklahoma$3,437.34
Oregon$3,220.12
Pennsylvania$2,605.22
Rhode Island$5,602.63
South Carolina$3,178.01
South Dakota$2,940.29
Tennessee$3,283.42
Texas$3,263.28
Utah$2,965.57
Vermont$2,195.71
Virginia$2,061.53
Washington$2,568.65
Washington, D.C.$3,692.81
West Virginia$3,926.20
Wisconsin$2,120.80
Wyoming$3,496.56
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So, what driving habits does the GEICO DriveEasy program monitor?

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What driving behaviors are monitored by GEICO DriveEasy?

Does GEICO DriveEasy just monitor major events like accidents? DriveEasy tracks the following:

  • Distracted driving behaviors
  • Time of day the vehicle is in operation
  • Abrupt braking
  • Speeding
  • Driving distance

You may be wondering what entails distracted driving behavior. First and foremost, distracted driving and car insurance rates go hand in hand.

GEICO DriveEasy monitors handheld phone calls as well as active phone use when the driver is going 6 miles per hour or faster.

Is active phone use just making or receiving a call? GEICO considers active phone use to include using the GPS or even unlocking one’s phone. In short, it’s using the phone at all if the vehicle is moving 6 miles per hour.

In short, poor driving habits entitles GEICO to raise your rates. Furthermore, DriveEasy is a telematics program, so your phone’s data will be tracked. In recent years, digital identity theft has given individuals pause in terms of having their data tracked.

Let’s move on to the states in which GEICO offers DriveEasy.

GEICO DriveEasy State Availability

GEICO DriveEasy is not available to GEICO policyholders in every state. DriveEasy can be obtained in the following states and territories:

GEICO DriveEasy Program Availability by State
State Availability
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Washington D.C.
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Wisconsin
Wyoming
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Let’s now go ahead and wrap up our GEICO DriveEasy program review.

GEICO DriveEasy: The Bottom Line

Is GEICO DriveEasy worth it? If you live in a state where GEICO offers DriveEasy, absolutely. Even if you already have coverage with GEICO, it’s not too late. Furthermore, it’s easy to set up.

If you decide it’s not for you and want to know how to cancel GEICO DriveEasy, there’s good news. All you need to do is open the Google Play Store, find the app, and press “Cancel Subscription.”

Now that you’ve finished our GEICO DriveEasy program review, type your ZIP code into our free and helpful tool below. With it, you’ll find the most affordable car insurance rates in your area.

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