Geico auto insurance review and ratings 2025
Geico is No. 3 among national carriers in the 2025 Insure.com Best Car Insurance Companies survey with 4.50 stars out of 5. Customers give it high marks for ease of service and policy renewal.
Katrina Raenell
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
Laura Longero
Laura Longero
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
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Our take
Geico is No. 3 among national carriers in our 2025 Best Insurance Companies survey for auto insurance with 4.50 stars out of 5.
Geico is known for its cheap auto insurance rates, which are more affordable than those of its top competitors, State Farm and Progressive. In our consumer survey, Geico scored highly for ease of service, customer service and digital experience.
The company also has the highest possible AM Best score of A++, signifying superior financial stability.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.
How we weight our score
- Survey Score 40%
- AM Best Rating 25%
- Premiums 20%
- NAIC Complaint Index 15%
What is this rating?
AM 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.
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Pros and Cons
- Auto insurance rates are affordable
- High customer renewal rates
- Could improve on its customer discounts
How much Geico costs
Geico is known for low rates; its monthly premium of $147 is among the most affordable for national insurers. Geico’s rates are lower than other large U.S. insurance companies — State Farm ($165), Progressive ($166) and Farmers ($199) — but are slightly more expensive than Nationwide ($129).
| Company | Monthly Premium |
|---|---|
| USAA* | $115 |
| Erie | $123 |
| Nationwide | $129 |
| Auto-Owners | $129 |
| Travelers | $134 |
| American Family | $142 |
| Geico | $147 |
| State Farm | $165 |
| Progressive | $166 |
| Amica | $185 |
| Farmers | $199 |
| Allstate | $209 |
*USAA is only available to military community members and their families.
QuickTake
How Geico scores for customer satisfaction
Ninety percent of Geico customers are satisfied with the customer service they receive, making it a top insurer in our survey. Amica leads the study, with 97% of customers reporting their satisfaction, while only 78% are satisfied with Travelers.
| Company | Percent of customers who are satisfied |
|---|---|
| Geico | 90% |
| State Farm | 92% |
| Liberty Mutual | 79% |
How Geico scores on ease of service
Geico ranked among the top three insurers for ease of service. Ninety-three percent of surveyed customers reported satisfaction with the ease of getting the service they needed. Most companies scored in the 80th or 90th percentile for this metric. Amica led this category (97%), while Liberty Mutual ranked the lowest (84%).
| Company | Percent of customers satisfied with the company’s ease of service |
|---|---|
| Geico | 93% |
| Progressive | 91% |
| Nationwide | 86% |
How Geico scores on policy offerings
While Amica topped this category, with 93% of customers surveyed reporting satisfaction, Geico scored within the top five insurers at 88% for policy offerings. State Farm had a score of 87%, and Farmers had a score of 84%.
| Company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| Geico | 88% |
| Nationwide | 89% |
| Liberty Mutual | 79% |
Would current customers recommend Geico to others?
Eighty-eight percent of customers surveyed reported they’d recommend Geico to others. Nationwide was the most-recommended insurer at 96%.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Geico | 88% |
| Amica | 93% |
| The Hartford | 81% |
How trustworthy is Geico?
Eighty-eight percent of customers surveyed said they believed Geico to be a trustworthy company. State Farm, Allstate, Erie and Progressive outranked Geico here, but Farmers and Safeco were among those ranked lower.
| Company | Percent of customers who say they trust the company |
|---|---|
| Geico | 88% |
| State Farm | 93% |
| Progressive | 91% |
Do Geico customers plan to renew?
Ninety-three percent of surveyed customers plan to renew with Geico. While the company wasn’t the highest-scoring insurer for loyalty, it falls within the top five for this metric. Travelers, Auto-Owners, Amica and Liberty Mutual scored higher.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Geico | 93% |
| Travelers | 97% |
| State Farm | 92% |
How Geico scores on claims handling
Geico scored 80% for how well it handles claims, according to surveyed customers. Many other top insurers ranked higher for this metric, including State Farm, Nationwide and Progressive. Farmers scored the highest at 94%.
| Company | Percent of customers who are satisfied with the company’s claims handling |
|---|---|
| Geico | 80% |
| Amica | 89% |
| Allstate | 77% |
How Geico scores on digital experience
Geico was among the top five companies for digital experience, which isn’t surprising given that it was one of the pioneers in the online landscape. It earned 86% in the survey, followed by State Farm and Allstate (both 83%) and Farmers (81%).
| Company | Percent of customers satisfied with the company’s digital experience |
|---|---|
| Geico | 86% |
| Nationwide | 96% |
| State Farm | 83% |
How Geico scores for discounts
Geico scores well in the survey for premiums, ease of service and customer service. Discouns was not its best category with 64% of surveyed customers reporting their satisfaction with the company’s discounts. Liberty Mutual (62%), Farmers (56%) and Travelers (52%) fall below Geico for this metric.
| Company | Percent of customers satisfied with the company’s discounts |
|---|---|
| Geico | 64% |
| Nationwide | 86% |
| Travelers | 52% |
How Geico scores for bundling home and auto policies
Geico scored among the top five insurers for bundling policy options, with 82% of customers reporting satisfaction with the company’s offerings. Nationwide, Amica and Progressive scored higher than Geico, while Farmers and Allstate scored lower.
| Company | Percent of customers satisfied with the company’s home and auto bundling |
|---|---|
| Geico | 82% |
| Nationwide | 92% |
| Travelers | 70% |
Geico car insurance coverages
- Auto insurance
- Motorcycle insurance
- ATV insurance
- RV insurance
- Boat/PWC insurance
- Collector auto insurance
- Mexico auto insurance
Geico additional insurance policies
- Homeowners
- Renters
- Condo/co-op insurance
- Mobile home insurance
- Landlord insurance
- Flood insurance
- Business insurance
- Jewelry
- Identity protection
- Life insurance
- Travel insurance
- Overseas
- Pet insurance
- Mobile device protection
- Umbrella insurance
- Special event insurance
- Bicycle insurance
Note: Not all policies are underwritten directly; some are offered through Geico Insurance Agency and underwritten by other companies.
Geico coverage options
- Liability
- Medical (MedPay and PIP)
- Physical damage (Collison and comprehensive coverage)
- Uninsured motorist
- Emergency road service
- Rental reimbursement
- Mechanical breakdown
Geico car insurance discounts
- Restraint device
- Anti-lock brakes
- Anti-theft systems
- Daytime running lights
- New vehicle discount
- Clean driving record
- Drive easy
- Defensive driving
- Driver training course
- Federal employee (Eagle)
- Membership and employee
- Military
- Multi-vehicle
- Multi-policy
- Homeownership
- Easy shopper
- Insurance quotes
- Paperless
- Paid in full
- Auto pay
States where Geico offers coverage
| States where Geico offers coverage |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
Company background
Founded in 1936 as Government Employees Insurance Company for federal employees, Geico now provides coverage for anyone. In 1996, Geico became a subsidiary of Berkshire Hathaway. The company has created two memorable mascots, the Geico Caveman and the Geico Gecko.
Resources & Methodology
Methodology
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Discounts offered
- Fair rate increases over time
- Insurance for young drivers/teenagers
- Insurance for college students
- Insurance for senior drivers
- Insurance for drivers with tickets or accidents
- Auto and home bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current auto insurance company
- I would recommend my auto insurance company to others
- I trust my auto insurance company
The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services. With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
