Via Credible.com’s Website
Insurance can be boring, but companies have come up with ways to be memorable and entertaining. Geico’s ad campaigns and the characters they’ve created have made it one of the most well-known companies in the business, but its insurance products are far from whimsical.
With coverage options available in all 50 states, Geico has a broad reach, and it offers some of the more generous discount programs, especially for federal government employees. The company takes a leading spot in our overview of the best cheap car insurance providers.
Pros
Coverage available in all 50 states
Wide range of discounts available
Below-average insurance cost
Cons
Local agent availability is limited
Some recent negative review scores
About Geico
Geico has been in business for almost 90 years and has grown into a national car insurance company with coverage options for vehicles, homeowners insurance, boats, and more. While it is now open to any potential customers, Geico started as the Government Employees Insurance Company, and it still offers significant discounts for federal employees today.
The company’s insurance products include a wide range of options, but Geico does not offer guaranteed asset protection coverage, or GAP, which is an important insurance product for people with auto financing.
Features and Benefits
Geico’s insurance services look a lot like those of its competitors’, but there are a few key differences to be aware of. One major difference is its pricing, which is typically lower than the national average. That said, the company’s rates don’t undercut USAA’s which are generally among the lowest in the industry for those who qualify.
- Geico has one of the best discount programs in the industry
- Insurance available in all 50 states and Washington D.C.
- Geico’s local agent network is limited
- Geico’s rates are often less expensive than those of its closest rivals
- Rates are often higher for drivers with blemishes on their records
Geico Reviews: Editorial Rating
Trusted Company Reviews Rating Score for Geico: 9.8
We gave Geico a strong score due to its generous discount programs, strong customer service ratings, and long list of coverage options. While it’s not perfect, the company has a strong track record, and it has accumulated more positive reviews than negative ones. Other companies offer stronger discounts in some areas, and some have more positive reviews, including State Farm.
| Local Agents | 300 agents nationwide |
| Discounts | Multiple, including federal employees, multiple policies, and more |
| Pricing | Generally below the national average car insurance rates |
| Convenience and Customer Service | Above-average customer service, though some complain about claims resolution speed |
Why We Like It
It might be possible to find a cheaper rate with a local carrier or other insurance company, but Geico’s customer service ratings and wide range of insurance products make it one of the easier companies to recommend.
It has a strong online presence, and the company offers several services in its app, including filing a claim and policy information. Customers may be eligible for one of its extensive discount programs, which include multiple policy discounts, federal employee incentives, and more. It doesn’t always provide the absolute cheapest car insurance rates, but on average its prices are better than most.
What We Don’t Like
Despite its generally positive reviews, Geico falls short in a few key areas. It doesn’t offer GAP insurance, which is a fairly common product that can be vitally important to some drivers. Its network of local agents is also quite limited compared to State Farm and other companies, which can be frustrating for people who like high-touch customer service or who prefer personalized interactions.
Additionally, Geico’s usually affordable rates can become the opposite for drivers with “dings” on their records, such as a DUI, speeding tickets, or at-fault accidents.
Geico Car Insurance Reviews
Geico has received a large number of positive reviews, but there are several negative marks to discuss. Many customers complain about the company’s claims resolution process, with several saying they were handed off between multiple agents before moving forward. Others say the process was slow, noting that communication with the company can be difficult at times.
Additionally, a notable chunk of the complaints revolve around pricing, with some saying Geico’s rates change unexpectedly or that customers discovered that they did not have the coverage they thought they were paying for.
On the other hand, many customers say Geico’s agents were very helpful with problem resolution and answering questions. Many praise the company’s app and website, saying they are simple to use and offer robust services.
People also note that Geico’s price match and overall pricing are more favorable than others. The company has also received fewer National Association of Insurance Companies (NAIC) complaints. J.D. Power has also rated the company highly for service.
Who Is Geico Best For?
Geico is a mainstream insurance company with coverage options for almost any driver and good customer satisfaction. The company is a great option for people who don’t qualify for USAA’s coverage and want to save a little money over the national average. Its claims processing and customer service could use some work, but the company is generally well-regarded.
AAA Car Insurance Vs. Geico
Both AAA and Geico are well-known insurance providers with strong reputations and nationwide availability, but they differ in several key areas. AAA is often associated with roadside assistance and membership perks, while Geico is known for its competitive pricing and tech-forward tools.
Geico typically offers lower premiums on average and provides a highly rated mobile app for managing policies, filing claims, and contacting support. On the other hand, AAA may offer more personalized service through its regional clubs and often includes unique benefits for members. When comparing AAA car insurance vs. Geico, it’s important to weigh price against service, perks, and convenience to find the best fit for your needs.
| Feature | AAA | Geico |
| App | Yes, roadside assistance, claims, other services | Yes, claims, customer service, more |
| Availability | All 50 states, Puerto Rico, Washington, D.C. | All 50 states, Washington, D.C. |
| Average Price | $2,293 for full coverage | $1,730 for full coverage |
| Customer Support | Above average, 24/7 support | Above average, 24/7 support |
Geico Alternatives
Geico stands out for its affordability and digital-first convenience, making it a popular choice for cost-conscious drivers who prefer to manage their policies online. However, it’s not always the best fit for people who value personal service or need broader coverage options. If you’re comparing quotes or looking for something different, here are a few other top-rated alternatives from our overview of the best cheap car insurance companies:
- State Farm: Best for personal service and wide coverage options through local agents.
- Lemonade: Best for tech-savvy drivers who prefer fully digital experiences and AI-driven claims.
- USAA: Best for military families and veterans, offering top-tier customer satisfaction and competitive rates.
- Auto-Owners: Best for personalized coverage and claims satisfaction through independent agents.
Frequently Asked Questions
Is Geico Cheaper Than Progressive?
Does Geico Pay Its Claims?
Does Geico Refuse Claims?
Source
Logo image source: geico.com
After earning an MBA, Chris began writing about tech and finance as part of his work as a bank analyst and consultant. Wanting to pursue his first love in life, Chris jumped ship and turned his focus to the automotive industry, first as a freelance writer for Forbes, J.D. Power, The Drive, and U.S. News & World Report, before starting YourTestDriver.com and the America on the Road Radio Show. Chris brings more than ten years of experience in product reviews, in-depth analyses, and news, and has been recognized as a significant contributor in building the future of the automotive media field.
Chris Teague
Last Updated: August 7, 2025
Editorial Reviews
Must Reads
How Can I Lower My Credit-Card Interest Rate?
Credit cards are powerful financial tools that can help in a number of situations, but they don’t come without risks and costs. One of the most impactful costs is the interest rate, which for credit cards is typically far higher than for personal loans and other...
How to Pay for a Funeral: Costs, Options, Loans, and Plans
Our How to Pay for a Funeral article explores viable options for funding a meaningful service to honor your loved one. According to the National Funeral Directors Association, the average cost of a funeral with a viewing and burial has climbed to over $8,000. There’s...
Can Credit Cards or Personal Loans Help Pay Off Medical Debt?
Recent studies show that Americans currently owe over $220 billion in medical debt. Unfortunately, with the debt typically accruing due to unpredictable medical needs, and Americans already feeling the weight of increased housing, food, utility, and insurance costs,...
Does Debt Consolidation Affect Buying a Home? Here’s What You Need to Know
You may be wondering, “Does debt consolidation affect buying a home?” And you're correct to carefully consider such questions. Buying a home is exciting, and getting your finances in shape first makes the process much easier. Additionally, carrying too much debt when...
How to Budget with Credit Cards Without Going into Debt
Credit cards don’t have to wreck your budget. In fact, when used intentionally, they can make budgeting easier, safer, and even more rewarding. Key Takeaways Credit cards can support a budget by offering real-time tracking, automatic categorization, and strong fraud...
Basepaws Vs Wisdom Panel Pet DNA Testing
Basepaws Vs Wisdom Panel Basepaws Cat DNA testing and Wisdom Panel were both featured on our list of the Best Pet DNA Test Providers. However, each stands apart for varying aspects of its testing and results, making them excellent options for different types of pet...
Wisdom Panel Vs Embark Pet DNA Testing
Wisdom Panel Vs Embark Pet DNA Testing Wisdom Panel DNA Testing and Embark Dog DNA Testing are standout options for testing and learning more about your pet's genetic background and overall health. While both are incredible and affordable options, each stands out in...
How Many Credit Cards Should I Have for Good Credit?
How many credit cards should I have? In short, for most people, two or three cards are ideal to generally provide enough flexibility and maintain a healthy credit profile, without becoming overly complex. Of course, like most things related to personal finance, the...
Are Balance Transfer Cards for Fair Credit Worth It?
Tired of high-interest credit card debt eating away at your budget? And you're hearing that a balance transfer card can provide a way out? Here's the catch—the offers you're hearing about generally only help those with good or excellent credit. If you have fair credit...
How do Balance Transfer Credit Cards Work?
How do balance transfer credit cards work? Are you struggling with credit card debt and looking for a way to save money on interest? If so, a balance transfer credit card might help. These cards allow you to move existing balances from one card to another, often with...
Social Links
