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Geico Auto Insurance Review: Affordable, Comprehensive Coverage

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This insurer is a good fit for: Price-conscious consumers with a clean driving record looking to get competitive rates. People who want to bundle coverage can secure even more discounts.

Full Geico Auto Insurance review


  • Affordable premiums
  • Easy application process
  • Ample discounts


  • Fewer in-person agents than some competitors
  • Potentially high premiums for people with accidents

Geico Auto Insurance at a glance

Monthly costs:

  • 35-year-old female with clean driving record: $135  
  • 35-year-old male with clean driving record: $180 
  • 35-year-old female with one accident: $214 
  • 18-year-old-male with clean driving record: $337

Coverage options: 

  • Liability coverage
  • Medical coverage
  • Personal injury protection
  • Uninsured/underinsured motorist coverage
  • Collision coverage
  • Comprehensive coverage
  • Emergency roadside assistance
  • Car rental reimbursement
  • Mechanical breakdown insurance

Top perks

Speedy quotes

Geico provides online quotes within just a few minutes after a driver provides some personal information and details about their vehicle. Although the insurer asks for the motorist's Social Security number, people can get quotes without it. 

If a driver likes their quote, they can complete the entire process of purchasing coverage online. And Geico offers both a full-featured mobile app as well as a website so people can both shop for a policy and manage their accounts. 

Affordable premiums

Geico is best known for its slogan, "15 minutes could save you 15% or more on car insurance," and the insurer does indeed live up to that promise by offering fast quotes and affordable premiums. 

Many discounts are also available to help reduce the cost of Geico's affordable premiums even further, including discounts for bundling coverage.  

What could be improved?

Nationwide branch network

While some insurers, such as State Farm, have a nationwide network with tens of thousands of agents, Geico offers just 17 major offices nationwide. For people who want in-person assistance when choosing coverage, Geico isn't going to offer that in most parts of the country. 

And while Geico's overall rates are affordable and the insurer offers ample premium discounts, its cost for coverage tends to be a little higher than many competitors for motorists with imperfect driving records. 

Alternatives to consider

When looking for an insurer who offers a larger network of insurance agents: State Farm has a vast network of more than 18,000 agents nationwide, while Geico has far fewer local branches. But keep in mind, State Farm may charge higher premiums for this personalized service. 

When looking for an insurer who offers lower premiums after an at-fault accident: Progressive won't penalize drivers as much for a blemish on their driving record. But Progressive may be more expensive for others without that accident history.

Monthly costs

Geico is one of the more affordable insurers we reviewed. The chart below shows what a policyholder could expect to pay for monthly coverage with Geico, based on four different standardized personas.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$135.88 $180.11 $213.98 $336.51

Discounts available

  • Air bag
  • Anti-lock brakes
  • Anti-theft system
  • Daytime running lights
  • New vehicle
  • Good driver
  • Seat belt use
  • Defensive driving
  • Driver’s education course
  • Good student
  • Emergency deployment
  • Federal employee
  • Membership and employee
  • Military
  • Multi-vehicle
  • Multi-policy

Geico offers most standard discounts offered by auto insurers, including for bundling coverage.

Coverage options

Policy types

  • Rideshare insurance 
  • Motorcycle insurance
  • ATV insurance 
  • RV insurance
  • Boat insurance 
  • Collector auto insurance 
  • Mexico auto insurance

While some insurers require separate personal and commercial policies for rideshare drivers, Geico offers a hybrid model that covers a motorist for both personal and professional use of their vehicle. Its Mexico auto insurance is also unique in that it covers drivers traveling to Mexico.

Coverage types 

  • Liability coverage
  • Medical coverage
  • Personal injury protection
  • Uninsured/underinsured motorist coverage
  • Collision coverage
  • Comprehensive coverage
  • Emergency roadside assistance
  • Car rental reimbursement
  • Mechanical breakdown insurance

While these types of coverage are standard among most insurers, Geico stands apart on emergency roadside assistance and rental coverage. Its emergency roadside assistance is unique because a driver can share their location using their Geico mobile app so they're easier to find -- and can monitor where the service technician is using this same app.

Geico also offers a convenient rental reimbursement option that not all insurers do: They'll pay Enterprise directly for a rental vehicle, rather than the driver paying for coverage and getting reimbursed.

Customer service and ratings

Geico has an A+ rating from the Better Business Bureau, but its J.D. Power ratings are just average. However, the company fared well in the New England and Central regions and scored as one of the best California car insurance options.

This auto insurer is best for:

  • Someone with an unblemished driving record who is looking for low premiums
  • A driver who wants one auto policy to cover both personal use of their vehicle and when using it as a ride-sharing service
  • A motorist who wants an insurer offering a full-featured mobile app

But drivers may want to consider State Farm if they would rather work with an agent in person, or Progressive if they have an accident on their record. 

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