Geico Auto Insurance
8.9
Overall Score3 days ago
Geico Auto Insurance
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Geico is most famous for their creative advertising and television commercials, and their little gecko mascot has made them one of the most widely-known companies in the nation. Geico stands for Government Employees Insurance Company, and for much of its early history that was their target market. In 1974, under new leadership, Geico began offering insurance to the general public. However, a rate of rapid expansion led to a massive loss of revenue, and the company was forced to reorganize and downsize.
The Good
- Service Coverage
- Coverage Features
- Price Range
- Discounts
- Mobile App
Service Coverage
Geico provides auto insurance to residents in all 50 states.
Coverage Features
They offer a great selection of policy types, including all the features we like to see:
- Bodily Injury
- Medical Payments
- Uninsured
- Comprehensive
- Collision
- Property
- Emergency Road Service
- Rental Reimbursement
- Mechanical Breakdown Insurance
In addition to the standard coverage options, they also offer more specific options such as mechanical breakdown coverage and windshield replacement.
Price Range
Geico auto polices cost $78.10.
Discounts
There are almost too many discounts to count, as organization affiliations and a host of other factors are taken into account, but it is safe to say there are at least 15:
- Air bag
- Anti-lock brake system
- Anti-theft
- Daytime running lights
- 5-year accident free good driver
- Seat belt use
- Defensive driving
- Driver's education
- Good student
- Emergency deployment
- Military
- Membership and employee
- Federal employee
- Multi-car
- Multi-policy
Mobile App
Geico's free mobile phone app for iPhones and Android phones is remarkably well-reviewed. In fact, it is among the highest reviewed insurance apps on the market on both platforms. Android customers give it an overall rating of 4.6 out of 5, while iPhone users give the current version of the app a solid 5. Users love the fact that the app gives them full access to their insurance. From filing claims to requesting road assistance, there really isn't much this app doesn't do, and the interface is well designed. Honestly, this is the best insurance app we've seen out of all major insurance companies.
The Bad
- Poor Transparency
- Potential Rate Hikes
Poor Transparency
It should be pointed out that while Geico has thousands of customer reviews on their own website, the overall rating of these reviews is much higher than on other review sites, which is interesting. It is possible that some negative reviews are censored, though there is no proof of that. What is clear is that the customer reviews on the Geico website lean heavily toward 5-star reviews, and while there are some 1-star reviews, there are very few rants from angry customers. This is not the case on many independent review websites, where Geico receives plenty of criticism.
Potential Rate Hikes
One common criticism is that Geico sometimes hikes insurance premium rates without explanation. Individual rate hikes can be steep and sometimes occur for no clear reason. Policyholders who have called customer service to inquire about rate hikes have in many cases simply been told that their policy was reevaluated. Whatever the case, the reevaluation process needs to be clarified. Customers should have at least some small idea of what to expect.
The Bottom Line
Anyone who is in the market for affordable insurance would do well to check out Geico. This is especially true of drivers with good credit and a clean driving record, in which case it is possible to find some of the most affordable premiums on the market. Geico does not offer the most extensive array of coverage options, and in fact is lacking a few of the popular options, such as gap coverage. However, they do have a few good discounts, including some fairly unique ones. Their mobile phone app is the best on the market, user friendly and full of helpful features. Overall, this is a solid insurance company offering competitive rates and convenience.
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User Reviews
On several occasions Geico has been helpful in settling our homeowners and auto claims. The service is very customer service friendly. We are very pleased to have switched to Geico several years ago.
They are a good company, but I want an insurance agent. Everything I did with them was online. That is an efficient way to do business. I prefer a more personal touch. I went with a local company with an office close by and an agent that knows me by name.
Good for what it is. Those who are low income or just starting out. It services that community very well. Once we became homeowners we changed companies, but as a young married couple it worked well.
We switched to Geico from another company and not only are their commercials hilarious, they're really true... we've saved so much money! Geico has the best customer service - they usually answer very quickly, don't keep me on long holds, are very understanding and kind, and usually pretty easy to understand as well! Someone with no insurance hit us recently and all the Geico representatives were so thoughtful, said they were sorry that happened and asked if we were doing okay. I'd highly recommend Geico!
I loved being able to set up and personalize my account online and receive all my paperwork quickly in the mail. No surprises, simple and easy.
They have always been the cheapest option for my wife and I. The app is really easy to use. I've never had to make a claim so I cannot give you any detail on how that process is.
Geico has a great response time to my claims. They addressed my issues/concerns and ensured I had repairs done timely. Their customer service representatives also made it clear on what I was required to do to get my repairs completed.
We have had Geico for a couple of years. The price was much better than our last carrier. The app works great and makes it easy to file a claim.
Just had body work done and the body shop and Geicos' representative were extremely professional and courteous. Service King body repair in Queen Creek was the company Geico recommended and I was a little nervous about them doing the repair on our Honda Accord on the cheap. The repair was completed the day promised and the repair was excellent. The paint matched perfectly even with me knowing where to look for the repair. Couldnt be more pleased.
Great company. Excellent customer service
When my teenage son got his license, the insurance company we were with raised our rates to an unaffordable amount. We all have perfect driving records and my 16 year old had a 4.0 gpa. Geico picked us up at the same coverage for a very affordable rate and has not raised our rate at all.
Love Geico, recently in an accident and they provided me immediate help with follow up emails and texts. They were kind and seemed to care
This a very fare and caring company, They were always looking out for our needs
I was lucky enough to have experienced exceptional customer service when a claim was made against me. The agent was very professional and helped me clear up the mistake. She answered every question I had about this situation and made me feel like a top priority. I would recommend Geico insurance company to anyone looking for insurance the price is very affordable and the customer service is amazing.
I have had Geico Auto Insurance for many years and they are very customer oriented and do a great job and are easy to work with.
When I compared my current insurance with Geico, they were a little more expensive. We decided to stay with our insurance. If we ever need to switch companies I really think they will be the ones we go to because of their customer service and the options they provide.
Geico has always been so easy to work with for my auto insurance. I love their app, it makes it so easy to access all my account information and insurance cards. Stress free and very easy to work with.
Great customer service. Excellent rate charged. Trustworthy.
I have been with Geico for around 12 years and they are always there with a REAL Person who is very helpful and concerned about how I am and what happened. They are always on my side even if it's my fault. They are fast to get things taken care of. I LOVE GEICO!!! I would never consider another insurance company. Thank you GEICO!!!!
I like this company, they have funny commercials.
After 15 years and never putting in a claim, my rate was raised $60, this not acceptable to me.
They treat me very good and I can talk to them anytime, in other words, their easy to reach
Because they are easy to work with. I can always call and speak to a representative.
Easy to work with. Will raise your rates big time after an accident. No accident forgivness.
Have been with GEICO over 30 years. Have never experienced any problems.
They have been my provider for many years. They're always there when I call on them.
If I have an issue they are quick to respond, their rates are very comparable to other companies and their customer service is outstanding.
Geico has excellent customer service. My whole family uses Geico and could not be more pleased with them.
Good value, great customer service, rewards for seniors, rewards for safe drivers
I have been with Geico for over 10 year without any claims. I believe they should lower my monthly insurance rate, its way to expensive.
Fast and efficient service. Inexpensive. Reliable. Fair.
Geico makes insurance painless. They are trustworthy, get the job done, and have great customer service. Best prices in the business -
I've been a customer for quite a few years and while I've only ever had to use my claims once or twice, the premium seems to be continually rising when it's not supposed to. I'm currently thinking of switching based on this. However, their claims process has been relatively easy to navigate.
I was leery about this company but I've been so pleased with the price and the service. I've saved a lot of money and I've had an accident that was my fault. They gave me chance to lower my rate by taking an online driving course.
I have had a great experience with Geico, especially their roadside assistance, but I don't think it's as cheap as the lead you to believe in their commercials. But I guess if you want good coverage, you have to pay a little more for it.
Besides hilarious commercials, Ive been with Geico for ten years and can recommend them whole heartedly.
I spent hours upon hours getting car insurance quotes, and Geico was by far the cheapest option available. It's also really easy to access their customer service through their app.
Our rates continued to go up because a "high volume of accidents in our area." I thought that was pretty lame. Not impressed. Insurance almost doubled when we moved states as well.
Geico was the cheapest car insurance we could find out of the major companies. We have had to use their roadside assistance and they got to us quickly.
Awesome service and definitely the cheapest. Moved over from farmers insurance and now will never leave Geico.