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Geico Auto Insurance Reviews and Ratings

Written by: Penny Gusner | Reviewed by: Michelle Megnaquality verified | Updated on
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Geico Ratings
Overall Rating: 4.02
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J.D. Power: 3.07
Average Premium: 4.84
Speeding-Increase: 3.58
At-Fault: 4.07
NAIC: 3.89
Multi-Policy Discount: 2.27
AM Best Rating A++

About Geico Car Insurance Company

Customer service:800-207-7847
 General Claims: 800-841-3000
Corporate Headquarters5260 Western Avenue
Chevy Chase, Md. 20815

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.

GEICO also has profiles on six social media platforms, including a blog and a YouTube channel.

Geico Car Insurance Coverages

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

Geico Car Insurance Additional Policies

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

In which states is Geico available?

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