Geico Auto Insurance Review: Affordable, Comprehensive Coverage
Review
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Geico is a good fit for price-conscious consumers looking for affordable rates. People who want to bundle coverage can secure even more discounts. Learn more in this Geico auto insurance review about whether the coverage is right for you.
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Geico's rates are some of the best around, but its network of agents is smaller than some other insurers. It does offer coverage in all 50 states, plus Washington D.C., however. For consumers who prioritize price over in-person support, Geico is an excellent choice.
Geico's monthly premiums are affordable for most drivers, including teen motorists. Geico's price for inexperienced young drivers is well below what many competitors charge.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $1,447 | $1,500 | $2,340 | $5,034 |
Geico premiums are below the national average for most types of coverage. In fact, Geico is less expensive than the typical insurer for all drivers except those with a DUI on their record. Check out the table below to learn more about how Geico premiums stack up.
| Geico Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $1,474 | $2,389 |
| Accident on Record | $2,340 | $3,037 |
| Speeding Ticket on Record | $2,096 | $3,023 |
| DUI on Record | $4,432 | $4,380 |
| 18 Years OId - New Driver | $5,034 | $6,291 |
| 65 Years Old - Senior | $1,460 | $2,140 |
| Military Service | $1,473 | $2,375 |
| Minimum Coverage (Liability Only) | $416 | $787 |
Geico offers most standard discounts offered by auto insurers, including for bundling coverage. Here are some of the discounts the insurer has to offer.
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.
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: It'll pay Enterprise directly for a rental vehicle, rather than the driver paying for coverage and getting reimbursed.
Geico has an A- rating from the Better Business Bureau and its customer reviews on the BBB site show a rating of 1.12 out of a possible 5 stars across over 1,200 reviews. Geico also received an above-average number of complaints to the National Association of Insurance Commissioners. And results on the J.D. Power overall customer satisfaction survey were mixed, with the insurer coming in above average in some markets and below average in others.
Geico offers most types of insurance consumers need, including some coverage options many insurers don't provide. These include flood insurance, earthquake coverage, and event coverage. With so many types of protection available, there are ample opportunities to earn bundling discounts by buying several Geico policies.
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When looking for an auto insurer who offers a larger agent network: State Farm offers a larger agent network. But keep in mind that premiums could be more expensive for some drivers.
When looking for an auto insurer who offers better customer service: Erie Auto Insurance has a lower number of consumer complaints and consistently higher J.D. Power rankings. But keep in mind that Erie Auto Insurance offers coverage only in a limited number of states.
Geico might be best suited to the following insurance buyers:
At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
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