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.
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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.
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.
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).
*USAA is only available to military community members and their families.
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.
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%).
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%.
Eighty-eight percent of customers surveyed reported they’d recommend GEICO to others. Nationwide was the most-recommended insurer at 96%.
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.
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.
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%.
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%).
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.
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.
Note: Not all policies are underwritten directly; some are offered through GEICO Insurance Agency and underwritten by other companies.
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.
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:
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:
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.
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.