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Geico Auto Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Product
auto-icon Auto
info iconOverall
83.09 out of 100
Productinfo icon
HOW WE WEIGH OUR SCORE
Overall
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to Renewinfo-icon
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

AM Best Financial Strength Ratings

October 31, 2019

auto-icon Auto 83.09 out of 100 Claims Processing 88.28 Customer Service 85.00 Value for
Price
77.60
Website and Apps 84.89 % Who Would Recommend to a Friend 78% % Who Plan to Renew 87% A++
info icon
AM Best Financial Strength RatingsOctober 31, 2019
A++
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Reasons for Buying from Geico

Customers of Geico originally decided to purchase from the company for these reasons:
Offered best price44%
Reputation19%
Recommended by friend or family member11%
Saw TV commercial10%
The company website and mobile apps are easy to use and helpful6%
Was the company my parents had5%
I had other insurance with this company2%
Saw online ad2%
Financial Strength rating1%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 46%
I probably would recommend this company. 32%
Neutral 18%
I probably would not recommend this company. 3%
I would not recommend this company. 1%

Would you renew?

Yes 87%
No 13%

Website and Apps

How easy to use and how helpful they are
47%
Satisfied - Fulfills my needs okay.
36%
Completely satisfied - Gives me what I want and more.
9%
Neutral - No good or bad feelings on this.
6%
Never visited or used website or mobile app.
2%
Not Satisfied - Is not a good website or app.
0%
Very unsatisfied - Their digital offerings are not good at all or nonexistent.

How You Prefer to Deal with Insurers

34%
Phone
33%
Interactive website
17%
In person
8%
Email
8%
Mobile App
User Review
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About GEICO

Types of auto coverage

  • Personal auto/Commercial auto
  • Collector auto
  • Ridesharing
  • Non-owner
  • Motorcycle
  • Mobile home
  • Umbrella liability
  • Boat
  • RV
  • ATV

Additional policies offered

  • Homeowners
  • Renters
  • Condominium
  • Mobile home
  • Flood
  • Umbrella
  • General/Professional liability

Best Auto Insurance Companies 2020: How Geico Auto Insurance Stacks Up

Geico obtained an overall score of 83.09 in the 2020 customer survey, which placed it fourteenth out of 20 companies evaluated. Geico’s website and apps are appreciated by customers, as it placed fifth in this category with a score of 84.89 It placed thirteenth for customer service (85) and claims (88.28). Though Geico’s score of 77.6 for price landed it in the No. 15 spot, it was within a point of the five carriers preceding it. Most of those surveyed plan to renew with Geico, 87%, and 78% said they would recommend it to others.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of GEICO's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, GEICO (NAIC# 35882) had a complaint ratio of 0.80 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

More than just a gecko

GEICO is well known for its advertising campaigns including the gecko, which first appeared in 1999, and the caveman, which it started in 2004, but GEICO began back in 1936 as the Government Employees Insurance Company, initially targeting federal employees and certain categories of enlisted military officers. Within a year, GEICO had written 3,700 policies and hired 12 staff members.

Today, the company has more than 11 million policyholders, an A++ financial strength rating from A.M. Best and offers coverage in every state plus the District of Columbia. GEICO no longer limits who it insures and has grown to be the second largest car insurance provider in the nation.


Consider GEICO for federal employees, groups or a preference for tech

GEICO still offers discounts to its original customer base of federal employees and military officers, so it should certainly be considered by drivers in those fields. There are several additional discounts for which drivers can qualify, making rates even more competitive.

GEICO offers an organization discount for professional groups, alumni associations, employers, charities or societies. Creating a formal partnership with the company provides the organization with a revenue stream and entitles members to receive exclusive benefits and premium discounts.

For drivers who prefer to manage their insurance information without the assistance of a live agent or wait times on hold, the company has extensive tools available through a #1-rated mobile app and an intuitive website. GEICO also has profiles on six social media platforms, including a blog and a YouTube channel.

Contact information


Corporate headquarters
5260 Western Avenue
Chevy Chase, Md. 20815
Customer service: 800-207-7847
General claims: 800-841-3000

Coverage Options
Accident forgiveness Icon
Accident forgiveness
Your rates won't increase after your first accident.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
No drop promise/guaranteed renewal program Icon
No drop promise/guaranteed renewal program
Your policy will be renewed even if you have accidents and traffic violations.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.