Geico Car Insurance Review for 2025 [See if They’re a Good Fit]
Geico car insurance reviews highlight its affordability, with monthly plans starting at around $30. It provides reliable coverage at budget-friendly rates, making it an excellent option for those seeking dependable, low-cost insurance. This affordability is why Geico ranks among the top cheap insurance companies.
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Insurance and Finance Expert
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Jeffrey Manola
Updated August 2025
In this Geico car insurance review, Geico is one of the top choices for competitive rates, customer satisfaction, and easy-to-use websites. Geico offers car insurance starting at $30 per month and delivers excellent value in an already thinly spread market by making it affordable while convenient.
Policyholders can also enjoy Geico car insurance discounts when bundling auto insurance with home or renters insurance.
Geico Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.5 |
| Business Reviews | 4.5 |
| Claim Processing | 4.8 |
| Company Reputation | 4.5 |
| Coverage Availability | 50 |
| 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 |
Additionally, Geico offers a mobile app with features like digital ID cards and claims tracking, making it easier to manage policies on the go. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
- Geico car insurance review features budget-friendly rates starting at $30/month
- Bundling auto and home policies with Geico can help save on premiums
- Geico’s mobile app offers convenient claim management and digital ID cards
Geico Car Insurance Review
Geico is one of the largest and most recognized auto insurance providers in the U.S., known for its catchy ads and competitive rates.
Understanding car insurance coverage is key to getting the best value. Geico offers customizable policies, valuable discounts, and reliable protection, helping drivers secure the necessary coverage without unnecessary costs.
Michelle Robbins Licensed Insurance Agent
Below, we list everything you need to know about Geico car insurance, from its coverage options, including rental car reimbursement coverage and costs, to customer satisfaction and business reviews.
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Geico Coverage Cost
Location, age, driving record, and coverage selection all impact Geico car insurance prices. Compared to other big-name insurers, it is usually said to be cheaper —especially for drivers with clean driving records.
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 | $107 | $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 |
Costs depend on state details and the level of coverage. In addition, Geico offers many discounts, such as on-motorist discounts and bundling policy discounts, that further reduce premiums.
Some drivers find the Geico mobile app intuitive, and many policyholders are satisfied with customer service. Thus, it is a solid pick for value-conscious consumers, especially those seeking car insurance for a bad driving record.
Geico Average Cost vs. Competitors
When comparing costs, Geico insurance rates often rank among the most competitive in the industry.
While companies like State Farm, Progressive, and Allstate are close competitors, Geico typically offers lower rates for drivers with clean records and even for young drivers, a demographic known for higher premiums with car insurance companies.
According to some industry studies, Geico’s rates are approximately 10-15% below the national average, making it a popular choice for budget-conscious drivers.
Coverage Options Offered by Geico Car Insurance
Geico car insurance offers a range of coverage options that are appropriate for most needs. It offers the standard options: liability, collision, and comprehensive coverage, which excludes vehicle damage from accidents but enhances those with theft and more. Geico provides flexible options if you want to switch to liability-only car insurance.
Geico Full Coverage Car Insurance Monthly Rates by State
| State | Monthly Rates |
|---|---|
| Alaska | $100 |
| Alabama | $110 |
| Arkansas | $115 |
| Arizona | $120 |
| California | $130 |
| Colorado | $125 |
| Connecticut | $140 |
| Delaware | $145 |
| Florida | $160 |
| Georgia | $150 |
| Hawaii | $90 |
| Iowa | $80 |
| Idaho | $85 |
| Illinois | $105 |
| Indiana | $95 |
| Kansas | $110 |
| Kentucky | $120 |
| Louisiana | $170 |
| Maine | $75 |
| Maryland | $130 |
| Massachusetts | $115 |
| Michigan | $180 |
| Minnesota | $110 |
| Missouri | $105 |
| Mississippi | $115 |
| Montana | $120 |
| North Carolina | $90 |
| North Dakota | $85 |
| Nebraska | $95 |
| New Hampshire | $80 |
| New Jersey | $150 |
| New Mexico | $110 |
| Nevada | $140 |
| New York | $160 |
| Ohio | $85 |
| Oklahoma | $115 |
| Oregon | $105 |
| Pennsylvania | $120 |
| Rhode Island | $130 |
| South Carolina | $115 |
| South Dakota | $90 |
| Tennessee | $100 |
| Texas | $125 |
| Utah | $110 |
| Virginia | $95 |
| Vermont | $85 |
| Washington | $115 |
| Washington, D.C. | $135 |
| West Virginia | $105 |
| Wisconsin | $90 |
| Wyoming | $95 |
Uninsured/underinsured motorist coverage pays for expenses if the at-fault driver has inadequate insurance. Medical Payments (MedPay) or Personal Injury Protection (PIP)—which cover you and the passengers in your vehicle regardless of fault—are also daily.
You can also purchase many add-ons through Geico for even more coverage, including roadside assistance, rental reimbursement, and mechanical breakdown insurance.
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Available Discounts with Geico Car Insurance
Geico auto insurance provides a wide range of discounts that can significantly lower premiums for eligible drivers:
- Good Driver Discount: For accident-free drivers.
- Multi-Policy Discount: When you bundle multiple policies, such as auto and homeowners.
- Military Discount: For active-duty and retired military members and National Guard or Reserves.
- Federal Employee Discount: The Eagle discount is available to federal employees.
- Student Discounts: For good students or young drivers who have taken a driver’s education course.
- Vehicle Safety Features Discount: This discount applies to vehicles with safety features such as airbags, anti-lock brakes, and anti-theft devices.
Geico offers discounts to help drivers reduce premiums. These include savings for good drivers, policy bundling, military personnel, federal employees, and students. Additional discounts are available for vehicles with safety features like airbags and anti-theft devices.
Customer Reviews of Geico Car Insurance
Customer reviews of Geico Insurance Company are generally positive. Many policyholders appreciate the company’s affordable rates and the convenience of its online and mobile app platforms.
Geico’s app is well-regarded. It allows users to easily manage policy details, file claims, and request roadside assistance. However, some reviews highlight occasional issues with claims processing times and customer service responsiveness.
Business Reviews and Ratings
Government Employees Insurance Company has built a strong reputation in third-party industry assessments, consistently earning high marks for its performance and reliability. In J.D. Power’s annual customer satisfaction studies, Geico ranks above average, especially for its cost-effectiveness and user experience.
Geico Car 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 financial stability is well-recognized. AM Best has rated it A++ (Superior), indicating a robust capacity to meet claims obligations. The Better Business Bureau (BBB) has also accredited it with an A+ rating. Its cheap insurance policies offer competitive rates, making it a popular choice for budget-conscious drivers.
In this Reddit post, a user discusses finding cheap car insurance and shares their experience with Geico. They compare coverage options, pricing, and customer service to determine if Geico is the best choice or if other providers offer better value.
The discussion also explores potential discounts, claims experiences, and how Geico compares to competitors in terms of affordability and reliability. Like many insurers, it has received customer complaints about claims handling and customer service responsiveness. To better understand, consider comparing car insurance with other leading providers.
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Pros and Cons of Geico Car Insurance
Geico car insurance is a significant player in the U.S. insurance market, known for its affordability and extensive discount options. If you’re considering Geico, it’s helpful to weigh both the benefits and potential drawbacks. Below, we break down the main pros and cons of Geico car insurance to help you decide if it aligns with your needs.
Pros
- Affordable Rates: Geico consistently offers some of the lowest rates in the industry, especially for drivers with clean records and young drivers.
- Extensive Discounts: With a wide variety of discount options, including those for good drivers, military personnel, federal employees, and students.
- User-Friendly Mobile App and Website: Geico’s app is well-regarded for its ease of use. It allows policyholders to manage their accounts, pay bills, file claims, and access roadside assistance all in one place.
Cons
- Customer Service Concerns: While Geico’s customer service is generally satisfactory, some policyholders report delayed response times or unhelpful experiences with claims adjusters.
- Limited Local Agent Network: Unlike companies like State Farm or Allstate, Geico doesn’t emphasize a strong in-person agent presence.
In summary, Geico car insurance is ideal for drivers who value competitive pricing, digital convenience, and the security of a well-established company. After weighing the pros and cons, you can decide if Geico car insurance aligns with your preferences and driving needs or if you’re looking for the cheapest car insurance in the world.
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Evaluating the Value of Geico Car Insurance
Geico car insurance offers an affordable, well-rounded selection of coverages with plenty of discounts, making it a strong choice for drivers seeking low-cost, reliable insurance. With excellent mobile tools, Geico simplifies managing policies and filing claims online, but drivers looking for a highly personalized experience with local agents may find Geico’s service a bit impersonal.
Geico car insurance is highly rated for budget-friendly premiums and accessible service options, making it a solid choice for many drivers. For more information, read our Geico motorcycle insurance review. Finding cheap car insurance quotes is easy. Enter your ZIP code into our free comparison tool to instantly compare quotes near you.
Frequently Asked Questions
What are some typical reviews of Geico auto insurance?
Geico is generally praised for its affordable rates, ease of use, and good customer service, although some complaints exist about claims handling. Explore our “Car Insurance Deductible” to get more details.
Is Geico insurance a good option for drivers looking for affordable coverage?
Yes, Geico is known for offering low-cost auto insurance, especially for drivers with clean records.
How can I get a Geico car insurance quote online?
You can get a Geico car insurance quote by visiting their website or mobile app. Read our “Collision vs. Comprehensive: What is the difference?” to learn more.
Does the Geico car buying service offer any benefits for customers purchasing a new vehicle?
Yes, Geico’s car buying service provides discounted pricing and a streamlined process for purchasing a new or used car. Ready to find affordable car insurance? Enter your ZIP code into our free comparison tool today.
What makes Geico’s car insurance stand out from other companies?
Geico stands out for its affordability, wide range of discounts, and user-friendly mobile app for policy management.
How can I contact Geico customer service for help with my car insurance policy?
You can contact Geico customer service through their website, mobile app, or 24/7 support number. For further insights, discover our “Compare Car Insurance Rates by Vehicle Make and Model.”
What benefits does Geico offer to policyholders in terms of discounts and coverage options?
Geico offers discounts for safe driving, bundling policies, safety features in your vehicle, and customizable coverage options.
What is included in Geico’s comprehensive coverage for car insurance?
Geico’s comprehensive coverage includes protection for non-collision events like theft, vandalism, fire, and natural disasters.
What is Geico’s auto insurance rating, and how does it reflect their overall service and coverage?
Geico has an A++ rating from A.M. Best, indicating strong financial stability and reliability in covering claims. For the full scoop, visit our “Pros and Cons of Cheap Car Insurance Companies.”
Does Geico provide car insurance coverage in Utah, and how do their rates compare to other insurers?
Yes, Geico offers car insurance in Utah, and its rates are often competitive, especially for drivers with clean records. When you’re ready to see how much you can save on your car insurance, enter your ZIP code into our free comparison tool.
How does Geico car insurance coverage in Colorado differ from other states?
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