Nationwide availability, low rates and options for drivers with a wide range of risk profiles could make Geico a strong option for many drivers seeking affordable auto insurance coverage. However, Geico only underwrites its auto coverage, so customers seeking a one-stop-shop for auto, home and life insurance may want to look elsewhere.
Bankrate award winner
-
AutoAvg. annual premium for full coverage $2,200Avg. annual premium for min coverage $596HomeAvg. annual premium for $300k dwelling coverage N/AAvg. annual premium for $750k dwelling coverage $4,375
Geico car insurance review
Geico offers affordable rates to a variety of drivers, even those with checkered driving records. While you're never guaranteed a policy, Bankrate found that Geico is willing to work with high-risk drivers and offers them competitive rates compared to other major insurers — which helped it earn the 2025 Bankrate Award for Best Car Insurance Company for High-Risk Drivers.
Geico doesn't just offer low rates to high-risk drivers, safe drivers may find significant savings with Geico, too. According to Bankrate's analysis of average rates from Quadrant Information Services, a full coverage policy from Geico costs 18 percent less than the national average. And that's without factoring in its lengthy list of discount opportunities. However, Geico's insurance offerings are fairly simple and may not offer robust enough coverage for all drivers. Some key coverage types, like gap insurance, are not available.
Pros and cons of Geico car insurance
If you’re comparing auto insurance rates, considering Geico’s pros and cons might help aid your decision.
Pros
- Average rates are lower than the national average
- Average rates for drivers with an at-fault accident may be more affordable than competitors
- Ranked above-average for customer service by J.D. Power in most regions
Cons
- May have limited local agencies for those who want in-person support
- No gap insurance
- Below-average J.D. Power scores for claims and digital service experience
Geico car insurance cost
Based on Bankrate’s study of rate data from Quadrant Information Services, Geico is one of the cheapest car insurance companies. Its average cost of car insurance is $2,200 per year for full coverage and $596 per year for minimum coverage. This is notably lower than the national average cost of car insurance which is $2,671 per year for full coverage.
How much is Geico car insurance?
Your driver profile — which encompasses rating factors like your driving record, credit history (in most states) and age — gives Geico a basis for calculating your financial risk as a driver. While most driver profiles receive comparatively low rates from Geico, high risk factors like poor credit or moving violations typically correlate with higher premiums.
|
|
|
|
|---|---|---|
|
Good driver, good credit
|
$2,200
|
$2,697
|
|
$3,268
|
$4,745
|
|
|
$2,623
|
$3,299
|
|
|
$3,090
|
$3,862
|
|
|
$4,681
|
$5,287
|
Geico car insurance quotes by age
The age of a driver and the years of driving experience they’ve accumulated may also play an important role in determining car insurance rates. Young drivers and those who are newly licensed typically pay more for car insurance than drivers with more years of experience behind the wheel. Average insurance rates by age show that auto insurance premiums do tend to decrease over time until your 60s, but you may be able to find the best car insurance rate at any age by compiling car insurance quotes.
For younger drivers, staying on a parent’s policy can keep rates low. The rates shown below are based on a clean driving record.
|
|
|
|
|---|---|---|
|
$4,655
|
$5,740
|
|
|
$3,996
|
$4,941
|
|
|
$4,260
|
$5,448
|
|
|
$2,551
|
$3,326
|
|
|
$2,269
|
$2,877
|
|
|
$2,200
|
$2,697
|
|
|
$2,083
|
$2,439
|
Compare Geico car insurance rates
Geico’s average car insurance rates are below the national average — but that doesn’t mean that Geico will offer the cheapest rates for every driver. Comparing personalized quotes can help you determine whether Geico or another carrier offers the lowest prices for your profile, but the table below may act as a starting place for your shopping process.
|
|
|
|
|---|---|---|
|
$2,200
|
$596
|
|
|
$2,711
|
$918
|
|
|
$2,214
|
$742
|
|
|
$3,390
|
$996
|
|
|
$2,201
|
$636
|
|
|
$2,040
|
$718
|
|
|
$3,106
|
$983
|
|
|
$2,225
|
$716
|
|
|
$2,269
|
$745
|
|
|
$1,921
|
$509
|
Powered by Coverage.com (NPN: 19966249)
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Geico home insurance review
Because Geico does not write its own home insurance policies, it did not receive a Bankrate Score for home insurance. Instead, Geico works with non-affiliated insurance companies to offer homeowners insurance quotes to customers nationwide, with a discount for customers who bundle their home and auto insurance together. For some customers who already have auto insurance through Geico, Geico may offer the best homeowners insurance options, but you may want to consider other carriers if you prefer to have all your coverage through the same company.
Pros and cons of Geico homeowners insurance
If you’re considering getting home insurance quotes from Geico, consider the following advantages and disadvantages of choosing Geico as your home insurance provider:
Pros
- Option to service both policies in one place
- Bundling discounts may be available
- Some underwriting companies may offer competitive rates
Cons
- All home insurance policies written through non-affiliated companies
- Geico acts as an agent, not the insurance provider
- Coverage options may vary depending on underwriting company
Geico home insurance cost
Because Geico’s home insurance policies are underwritten by a wide range of companies, there’s no available data on the average cost of a homeowners insurance policy from Geico. If you choose to get home insurance quotes through Geico, keep in mind that the national average cost of homeowners insurance is $2,408 for $300,000 in dwelling coverage, according to Bankrate’s research.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Geico
Powered by Coverage.com (NPN: 19966249)
Geico life insurance review
Similar to its home insurance policies, Geico life insurance is offered through partner companies. Geico's partnered life insurance offerings are available in three policy types: term life, whole life and universal life insurance. Term life insurance provides coverage for a specific amount of time, such as 10 or 30 years, and is typically used to replace lost income and cover future expenses if the policyholder passes away during the policy term. Customers shopping for the best life insurance company may be able to obtain a term life insurance policy through Geico's partner companies with no medical exam, but they will likely still have to fill out a health and lifestyle questionnaire.
Whole life insurance and universal life insurance are both types of permanent life insurance. These policies do not have a policy end date as long as policy terms are fulfilled. In addition to helping with income, permanent life insurance policies could also be an integral part of estate planning. However, because Geico writes these policies through separate underwriting companies, it’s impossible to give a thorough Geico life insurance review that will apply to all customers purchasing life insurance through Geico.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
Powered by HomeInsurance.com (NPN: 8781838)
Compare Geico with other insurers
If you’re still wondering if Geico could be a good fit for your insurance needs, you may want to consider requesting quotes from the companies below:
|
Featured
Geico
4.3
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
|
Allstate
4.1
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
|
Nationwide
4.2
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
|
|---|---|---|
|
OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
|
||
|
Policyholders who value cheaper car insurance over bundling multiple insurance policies with the same company might consider Geico as their company of choice.
Read More
|
Allstate, another major insurance company, dominates 10 percent of the auto insurance market share compared to Geico’s nearly 17 percent. Like Geico, Allstate offers a couple of discounts and special programs that may appeal to younger drivers like the teenSMART driver education program and a good student discount.
Read More
|
Low-mileage drivers and those who want to build safe driving habits may appreciate Nationwide’s two telematics programs: SmartMiles and SmartRide. Nationwide could also be an option for those who want to bundle home and auto insurance with the same carrier, as the company writes its own homeowners insurance policies. Consumers should note that Nationwide received mixed ratings in the J.D. Power 2025 U.S. Auto Insurance Study.
Read More
|
|
STANDOUT FEATURES
These features are some of the carrier’s most impressive
|
||
|
Overall cheap rates
Generous list of discounts
Good for high-risk drivers
|
Strong home insurance product
Superior bundling discount
Teen safe driving program
|
Two usage-based discounts
Wide network of agents
Low average premiums
|
|
AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
|
||
| $2,200 | $3,390 |
$2,040 |
|
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
| 692/1000 | 691/1000 |
728/1000 |
|
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
|
||
| No rates available | $2,723 |
$2,031 |
|
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
| Not Scored | 665/1000 |
709/1000 |
|
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
|
||
|
A++(Superior) |
A+(Superior) | A+(Superior) |
The Bankrate Promise
Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Geico a good insurance company?
Bankrate’s insurance editorial team is made up of licensed agents and other industry professionals with combined decades of experience in the world of insurance. Based on the findings of our Geico insurance review, we concluded that Geico may be a good option for drivers seeking a cheap car insurance company with tons of availability, good digital tools and a focus on online shopping and policy management rather than brick-and-mortar agencies.
On the other hand, Geico doesn’t underwrite many other types of insurance, making the carrier a less attractive option for customers seeking a company to manage both auto and home insurance policies. If you’re looking for an insurance provider for affordable home insurance in addition to your auto policy, you may want to look at other companies, such as Allstate or Nationwide, to see if their offers are competitive with Geico’s.
What are real-life customers saying about Geico?
To get a better sense of how Geico policyholders feel about their provider, we looked at comments on social media, including Reddit and TikTok. As one of the nation’s largest private passenger auto insurers, with almost 12 percent of the market share, Geico receives a lot of hate online from current and former customers. But in addition to rants and complaints, we also found satisfied customers in the mix: people who’d been with Geico for years without incident and enjoyed low rates in spite of the turbulent market.
On Reddit, we found plenty of frustrated Geico customers, many of whom cited poor communication around insurance claims and an over-emphasis on digital tools for customer service. But for some policyholders, Geico’s digital emphasis was a benefit — and we noted that many customers reported staying with Geico for decades thanks to their low rates.
TikTok
Mentions of Geico on TikTok mainly center around various customer complaints and scandals, such as a woman in Michigan whose Geico claim was denied due to paperwork she hadn’t filed when she moved to the state. In the comments of this video, we found plenty of outrage, some of which came from current or former Geico customers with similar experiences. However, we also found customers who hadn’t encountered any problems with Geico despite being with the company for years.
What Bankrate staffers have to say about Geico
Shannon Martin, Geico customer for 15+ years
- Consistently offers the lowest rate
- Fast glass claim repair
- Can easily make policy changes online or in the mobile app
“Since I have been an insurance agent for so long, I prefer to make policy updates without agent intervention. Geico’s mobile app and website made it easy for me to increase my liability limits and add a new truck to my policy. I did have to call in to put my Kia on a storage plan, but it was a fast transaction, and Geico is one of the few carriers left that will allow me to keep comprehensive coverage on my Soul.”
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Geico company details
Geico offers customers a few ways to get in contact, with an emphasis on online and mobile customer service.
- Customer service: 1-800-207-7847
- Military support: 1-800-MILITARY (645-4827)
- Chat/email: Geico.com allows customers to connect to agents and make policy changes
- Claims: Claims can be filed and managed online through Geico’s website or mobile app, or by calling its toll-free claim number at 1-800-841-3000. For a comprehensive list of claims numbers, please visit the company's claims reporting page.
- Emergency roadside assistance: This can be done online through Geico’s website or mobile app or by calling 1-800-424-3426.
- Mailing address: Each region and insurance type has a different address; specific contact information is available here.
State availability
Geico auto and home insurance is available in all 50 states and Washington, D.C. Depending on your state, the underwriting company for your home insurance may vary.
Geico tools and benefits
Auto insurance may be Geico’s most popular product, but customers can also access the following:
- Additional insurance products: Travel insurance, jewelry insurance, identity theft protection and pet insurance are just a few additional insurance options available through Geico.
- Dedicated military support: Geico’s 800-MILITARY phone line and Military Deployment Center offer unique support tailored to the insurance needs of military members and families.
- Car buying resources: Geico offers online tools and calculators to help customers budget for a new car purchase, including estimating their updated insurance costs.
- Parking locator: Geico’s mobile app includes a parking locator function that can help you find a space to park in an unfamiliar or busy area.
- Auto Repair Xpress: Geico’s Auto Repair Xpress program aims to make finding a shop during an insurance claim more convenient.
Frequently asked questions about Geico
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
