Geico Auto Insurance

8.5

Overall Score

105 User Reviews

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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.

User Reviews

4.1

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10

Tony Bevill

February 21st, 2018 Metter, GA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Very affordable, dependable, rapid claim response.

Helpful?

10

Christina

February 21st, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have NEVER had any problems! Paying my bill is also easy! They are easy to get in touch with. No lengthy hold times.

Helpful?

10

Anonymous

February 21st, 2018 Houston, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Because they are a very good companyi thinks a little high

Helpful?

10

Veronica

February 21st, 2018 Temple Hills, MD DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have never had any problems with my claims.

Helpful?

10

Margaret Carriero

February 21st, 2018 Huntington, NY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They have always been very helpful and professional.

Helpful?

10

LaKesha Holcomb

February 21st, 2018 Chicago, IL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Customer service always finding discounts

Helpful?

8

Marlene A Thomas

February 21st, 2018 Ypsilanti, MI DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They help me out when I need it and had great low price.

Helpful?

10

Christopher Sandrock

February 21st, 2018 Franklin, PA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great rate, prompt service, excellent customer service, excellent product for the money

Helpful?

10

Dean

February 21st, 2018 Lodi, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Very reliable company customer service is best cliams are handled very fast and right

Helpful?

10

Gary Lewis

February 12th, 2018 Cocoa, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

excellent to deal with competitive rates

Helpful?

10

Dave

February 12th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are tremendous on service and doing everything they can to make a problem as easy to deal with as possible.

Helpful?

10

Alan lozoya

February 12th, 2018 Ontario, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

GEICO is easy to use and their phone app helps out alot. I have needed them in the past and the claims process was fast and easy. My car was done in two weeks and the rental car i recieved was fully covered. I love this company.

Helpful?

10

Moe N.

February 12th, 2018 San Diego, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

User-friendly app. Transparent and reasonable pricing.

Helpful?

10

Marian Truehill

February 12th, 2018 Gretna, LA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Excellent service and professional knowledge regarding insurance premiums in my state.

Helpful?

10

Victoria

February 12th, 2018 Lexington, KY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Geico has good insurance rates. If I've ever needed assistance, they are very helpful, and my monthly rates goes down the longer I have their coverage and I'm accident free!

Helpful?

10

Frank Araujo

February 12th, 2018 Sacramento, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

No fuss, no muss. Claims settled rapidly. Costs are reasonable.

Helpful?

10

Shari Limburg

February 5th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They have been awesome with customer service and help me if I need it, plus great insurance prices.

Helpful?

10

Judith Nabarrete

February 5th, 2018 Las Vegas, NV DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great coverage for the best price speedy service

Helpful?

10

D tyler

February 5th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Best customer service and follow up is immediately

Helpful?

8

Jonathan Allen

February 5th, 2018 Phoenix, AZ DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

easy to use. had one claim and went easy

Helpful?

2

Timothy Falick

February 5th, 2018 Elkridge, MD DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

We have never had a claim with this company, so we have had no problems. On line service very good

Helpful?

2

Mia Naseer

February 5th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have been with Geico three years accident & ticket free. However, my premium continues to increase v. decrease. The customer service is not great but I get better quotes elsewhere.

Helpful?

8

Arin Lee

February 5th, 2018 Georgetown, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

they have been able to explain my policy and answer my questions

Helpful?

8

JJ

February 5th, 2018 High Point, NC DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

The price isn't that competitive for the service that they provide.

Helpful?

10

Stephen Bookbinder

February 5th, 2018 Mount Vernon, NY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

they addressed all concerns in a timely manor

Helpful?

10

Roni Fischer

January 26th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Whenever I have had to call them with with any questions, the representatives are knowledgeable and quite helpful.

Helpful?

6

Dana C. Hamilton

January 26th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Rates went up without an explanation. We had an accident with accident forgiveness. Then I used glass service to fix a ding and our rates went up the next month.

Helpful?

10

Joe Yurkovich

January 26th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Easy to use, fair pricing, excellent web site

Helpful?

10

Chuck

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Best rates I could find, and good service, polite people.

Helpful?

10

Anonymous

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Excellent Customer service and responsiveness

Helpful?

8

tom

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Cheap and easy to work with, freidly helpful

Helpful?

10

Oscar Velazquez

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I just feel they have good prices and a lot to offer.It was fast and easy!

Helpful?

8

Sandra Sluberski

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

My rate could be a bit lower. Geico is stable though with rates.

Helpful?

4

LAWRENCE Odell

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Prices are too high for a cstomer with no tickets and no claims.

Helpful?

10

Ganesh Virupakshan

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

The insurance rate is good. The service is also good so far

Helpful?

10

Mystic Traveler

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are excellent in almost every category of service.

Helpful?

10

Janice B. Hill

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Because they give you military discount, and they also have Roadside Assistant

Helpful?

10

Rolando Fernandez

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Excelent custom support service, easy to find solutions and the best low price in all State

Helpful?

10

Nicolas Iannone

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great coverage, fair prices, easy to use app, helpful customer service, and they handle claims promptly and professionally.

Helpful?

10

Terry

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great service and low price for what I get.

Helpful?