GEICO Reviews

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About GEICO

GEICO sells auto, home, renters and motorcycle insurance. It has several discount options, including for those who combine its coverage policies. As a direct provider, it can offer lower auto insurance rates than many of its competitors. Policyholders can manage their coverage online or through the company’s mobile app.

Pros
  • Affordable policies
  • Several discount options
  • Intuitive website and app
Cons
  • Can be pricey for high-risk drivers
  • Few local agents

Helpful Reviews

Clinton Township, MI
Verified purchase
My vehicle was in the shop two weeks for a fender bender due to Geico being unreachable to resolve the additional funds needed to repair the vehicle. Multiple calls by myself and ...

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Upland, CA
Verified purchase
GEICO exceeded my expectations in terms of efficiency and customer service. The combination of quick responses, thorough assistance, and effective communication made a potentially...

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What is GEICO auto insurance?

GEICO is an insurance company that has served American drivers since 1936, and it’s currently one of the largest coverage providers in the country. The company is known for its affordable rates and various discount options. GEICO focuses on mobile app and online services rather than in-person assistance, but policyholders get access to 24/7 support and roadside assistance.

GEICO car insurance coverage

GEICO offers a variety of car insurance options, including:

  • Collision: Pays for damages due to an accident.
  • Comprehensive: Covers vehicle damage caused by theft, vandalism, fire or other incidents.
  • Bodily injury liability: Pays for damages for the other party’s bodily injury or death from an accident when you’re at fault.
  • Property damage liability: Covers damage to someone else’s property from an accident for which you’re at fault.
  • Medical payments: Pays for your medical expenses resulting from an accident.
  • Personal injury protection: Pays for medical treatment, missed wages and other accident-related expenses no matter who’s at fault.
  • Uninsured motorist: Can help cover your injuries or property damage caused by an uninsured driver.
  • Underinsured motorist: Pays for damages caused by drivers without sufficient insurance.

GEICO also offers add-on coverages, such as emergency road service, rental reimbursement and mechanical breakdown insurance.

GEICO car insurance quotes and rates

As with most car insurance, rates vary depending on a number of factors. The company considers your age, location, driving history, gender and more when calculating your rate. To get an accurate quote, reach out to GEICO online or over the phone.

For customers who qualify, GEICO does offer several discounts:

  • Air bag
  • Anti-lock brakes
  • Anti-theft system
  • Daytime running lights
  • New vehicle
  • Good driver
  • Seatbelt use
  • Defensive driving
  • Driver’s education course
  • Good student
  • Emergency deployment
  • Federal employee
  • Membership and employee
  • Military
  • Multivehicle
  • Multipolicy

GEICO FAQ

Does GEICO offer classic car coverage?

Yes, GEICO does offer coverage for classic and antique cars. The company has specific criteria for this insurance.

Does GEICO have a safe driver discount?

Yes, GEICO offers discounts for safe drivers, as well as a program called DriveEasy, which uses an app to track your driving. With this app, you can save up to 25%, depending on your driving habits.

Does GEICO have full coverage plans?

GEICO claims there’s no single definition for full coverage insurance. Instead, it emphasizes tailoring coverage to meet your specific needs. GEICO offers vehicle, liability, medical, uninsured motorists and more coverage to meet your needs.

How long is a GEICO quote good for?

GEICO doesn’t specify how long a quote is valid; the length of time varies from provider to provider. Some quotes last for 30 days or more, and some companies update quotes in real time, meaning they could change at any point.

How much does GEICO auto insurance cost per month?

Your monthly car insurance rate will vary depending on a number of factors. GEICO will base your policy cost on your vehicle, location, driving history and more, so there’s no way to know your exact monthly rate unless you reach out for a quote.

Still have questions?

Is GEICO good car insurance?

GEICO is one of the country’s largest insurance providers, and it’s known for its affordable rates and plethora of discounts. It offers 24/7 customer service and roadside assistance, and it focuses on serving policyholders online and through its mobile app, which many find convenient. However, if you prefer managing your policy in person, GEICO may not be the best choice for you.

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GEICO Reviews

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    Page 1 Reviews 0 - 15
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    CoverageStaff

    Reviewed May 14, 2026

    GEICO's medical adjuster Joseph has been helping me navigate my first accident where I needed to use PIP coverage. Crash-related injuries and anxiety make the entire process seem so large and overwhelming, to say nothing of the deadlines where you should get your paperwork in as soon as you can, but you feel like you also shouldn't make any mistakes under that pressure either! Joseph was very polite and patient with me and clearly explained my benefits and answered the questions I had about the forms I needed to fill out. That certainly took a weight off my shoulders, so thank you, Joseph!

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    CoverageStaffHonesty & Transparency

    Reviewed May 9, 2026

    I feel deceived by the insurance company's attorney, who wrote untruths regarding an incident for which I bear no responsibility. The company lied claiming they did not have the data. Is the only reason to study law to learn how to lie? Does this country offer no opportunity to earn 5000? What kind of future awaits our children if the law is applied in this manner? Why we must pay insurance if we can not trust them because they lied.

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      CoverageSales & MarketingOnline & AppStaff

      Reviewed April 1, 2026

      Tiae was very helpful and was very informative about the app website and getting my proof of insurance coverage. Cards e-mailed to me. She also set me up to get a discount on bundling my car and renters and other insurance. She took her time and walked me through everything at the GEICO in Nashville Tennessee. Thanks again...

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      Customer ServiceStaffResolution

      Reviewed March 23, 2026

      I can’t say enough INCREDIBLE things about my experience with Leland and his supervisor Andrew at GEICO!! What was already an incredibly stressful situation turned into the best customer service I've ever experienced! Leland went truly above and beyond—he spent hours patiently helping me. No other company has ever done the absolute most like he did! I never felt like I was “just another claim”—he made me feel prioritized, and genuinely cared for. From the moment he got on the phone he was warm and caring and I could tell he really is a kind and good hearted person. I've dealt with customer service all of my life and there has been no one who's stood out ever like he did!! He literally spent his day looking into every possible option to help me.

      Andrew, his supervisor, was equally impressive! Andrew stepped in with his thoughtful support and was able to help offer another solution that resolved my issues today. He also went above and beyond and these are the people that you want representing your company! They made the BEST team and I hope they are recognized by Geico and awarded in some way!! Leland and Andrew both should make Geico proud, I AM so grateful that I had the chance encounter to get Leland and I am so happy to be a 14 year Geico customer!! Thank you both for going the extra miles—you have made me believe in the goodness of people again!!

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      Customer ServiceCoverageTechPunctuality & SpeedStaffResolution

      Reviewed March 20, 2026

      GEICO exceeded my expectations in terms of efficiency and customer service. The combination of quick responses, thorough assistance, and effective communication made a potentially difficult situation manageable. If you’re looking for an insurance provider that prioritizes customer care, I wholeheartedly recommend GEICO. Claim department Mr. **, Mr. ** and local claim adjuster Mr. ** are very helpful. They willing to to go the extra mile to ensure all my concerns were addressed, which is something I truly appreciated during a stressful situation. I’m grateful for their support and patient, the entire experience felt personalized, as if they genuinely cared about resolving my issue efficiently. Thank you!

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      Reviewed June 9, 2026

      Worst company to deal with and the customer service is absolutely horrible with nothing but transferring calls with no answers.

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      PriceRates

      Reviewed June 8, 2026

      I was shopping for car in in their side, I found a great price, so I fill up all the information. My total amount at first was 900 dollars, when I was about to finalize my quote to pay went up to 1345 dollars, nice try GEICO, I just got a better deal. Not coming back.

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      Customer Service

      Reviewed June 6, 2026

      I wish I could give a zero. We had someone hit us with state minimums, so I had to report to Geico, but the claims dept is the worst. No call backs after 3 weeks, claims being denied, being treated like I was the one who caused the accident, and pure stress adding to the emotional distress we are already in.

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      Customer ServicePriceRefunds & PayoutsStaffBilling

      Reviewed June 4, 2026

      I’ve been a GEICO customer for 10 years and have paid my bill on time every single month, which made this experience even more disappointing. An agent admitted there was a mistake on my previous bill, only for me to be charged over 5x the monthly amount I had agreed to pay the following month. When I called for answers, I was told I had been “informed by mail” — which feels like an incredibly ineffective way to communicate a major billing change in 2026.

      To make matters worse, the supervisor I spoke with was extremely rude and condescending while trying to explain what was already a frustrating and delicate situation. After 10 years of loyalty and consistent payments, this level of customer service and lack of accountability feels unacceptable. Very disappointing experience. I was also told that I would receive a call from a manager about the situation, which never happened.

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      PriceRefunds & Payouts

      Reviewed June 4, 2026

      Worst company ever in managing refunds and reimbursements for claims. Basically, steal your money and never pay back your entitled deductibles. Even when you have proof the have received.

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      Customer ServiceContract & TermsCoveragePunctuality & SpeedRefunds & PayoutsStaffBillingTransparencyCommunicationTimeliness

      Reviewed June 2, 2026

      I am dealing with GEICO as a third-party claimant after being involved in an accident caused by a GEICO-insured driver who was found 100% at fault. What should have been a straightforward rental reimbursement claim turned into months of follow-up calls, emails, document submissions, and conflicting explanations. I submitted my rental receipts and was partially reimbursed for the first rental period. I then submitted two additional rental receipts totaling $2,298.71. When I checked the GEICO upload portal later, the files appeared to be gone, so I uploaded them again. After that, I spent weeks trying to get a status update.

      During multiple phone calls, I received different explanations from different representatives. I was told that GEICO needed information from my insurance company, that reimbursement approvals were pending, that Massachusetts claims require an additional processing step, that a larger reimbursement amount had been approved, and later that part of my rental period was being denied due to a repair-shop delay.

      I independently contacted my insurance company after being told GEICO needed information from them. My insurance company advised that GEICO had never contacted them. I provided rental agreements, receipts, body shop documentation showing when I picked up my vehicle, and repeatedly followed up by phone and email. Several emails received no response.

      Eventually, GEICO issued a partial payment, but it still did not match the reimbursement amounts previously discussed with me. I am still seeking reimbursement for the remaining balance and have yet to receive a consistent explanation for why it has not been paid. The representatives I spoke with were generally polite. My issue is with the overall handling of the claim, the lack of communication, the delays, and the constantly changing explanations. Based on my experience, I would not recommend GEICO's claims process to others.

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      PricePunctuality & SpeedBillingRatesHonesty & Transparency

      Reviewed June 1, 2026

      GEICO increased my rate by $120 a month. I tried to figure out what was going on. I was told it was for a speeding ticket. I got a copy of the ticket where they claimed I was going 15mph over, the ticket shows 5mph... This is the 2nd time they randomly increased my rate. So I decided I was done with Geico. When trying to cancel my policy, they stated I owed $102 because their system made a mistake and billed me incorrectly. I paid what they told me to pay. Now when I go leave, they make up a lie to charge me more? Go somewhere else, this isn't worth it. They do not communicate with you, you just check your bill and it's higher.

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      Customer ServiceCoveragePriceStaffRatesTransparency

      Reviewed June 1, 2026

      VETERANS BEWARE OF GEICO!! Today Geico sends a text saying they’re raising my rate from 442.00 a month to 1150.00 per month (coverage for my wife, son and I on two vehicles- one is paid off, one is financed with GM). I called them and they had my 24 year old college student (on dean's list) as driving with a permit which he has not since he was 19. They updated his info and then it went to 1800.00 a month!! I laughed. I then asked if they remove me from the policy as I am a disabled Veteran and don’t drive any longer (I’m the only one in the family that had several fender benders causing the rate to go up).

      Get this! The agent says, "Well you will have to surrender your license to the motor vehicle division, then provide proof." He actually said that. Just to entertain his comment (and not surrendering my identification to anyone) I said, "Ok I’ll do it Monday." He stumbled then said, "Well it won’t make a difference in the new rate." Keep in mind my son and wife have never had an accident or moving violation EVER. I do not need to surrender my DL. If they were concerned of me driving and got into an accident. It simply wouldn’t be covered by them. Period!! What a crock. They claim they support vets. Then I told them we definitely would not be renewing our policy. If I did I won’t drive period. (Like I said don’t need to drive at all. Wife can.)

      They said I couldn’t do that. I said, "Watch me." They said I would have to surrender my drivers license to DMV and provide them a copy of it. I said, "Maybe with Geico but you’re on notice." I’m shopping this first thing tomorrow and if I have to not drive for a year or so until one of them is over 3 years old so be it. They then said, "Well I let’s see what we can do." Raised all the deductibles and bare minimum coverage treating me like it was Christmas. Said 887.50 a month. I said, "Have a great rest of your day." Any advice here? Obviously going to shop and adjust to whatever. We got a new quote from State Farm for within 50.00 of our policy with Gecko.. I didn’t spell it wrong. Their colors change with the climate..

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      CoverageRefunds & PayoutsMaintenanceStaff

      Reviewed May 29, 2026

      They suck. I have an older truck. It's a 2013 Titan that I have taken very good care of. It has 240,000 plus miles on it but burns no oil and drives just like it did the day I bought it. I put full coverage on it to make sure if anything happened to it, it would be fixed. I ran into the back of someone going less than 15 miles per hour and I have very little damage. But the air bag blew, which I believe it shouldn't have, they wanted to put my truck down as a total loss. Hell no! The damage to the front is less than $200 but they don't want to replace the air bag!!!! My truck is paid for! I'm not paying $50,000 to $60,000 to replace it! Do not go with GEICO! They suck!! I will fix my truck myself. I'd rather pay $10,000 to fix it than pay for a new one.

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      CoverageStaffBilling

      Reviewed May 27, 2026

      Geico raised my insurance from $186 monthly to $298. I haven't had a car accident in 20 years, and no tickets. They initially said it was because I was receiving a paper bill and told me to switch to digital billing. The bill went down $10. Also, I'm a single driver, and middle-aged.

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      Staff

      Reviewed May 26, 2026

      My car got hit by a GEICO policyholder. The two ladies that helped me were named Shelby and Mackenzie and they were so nice and got my business situated!!

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      Customer ServicePriceStaffBillingTransparency

      Reviewed May 24, 2026

      Had a horrible experience with Geico today. Jennifer was very rude to me. She got very frustrated explaining my bill to me. My premium went from $3025 for November 2025 renewal to $3991 for May renewal. That is for 6 months for 6 cars. Geico go up on you unexpectedly without explanation. I tried to let her know that she’s rude and she was still raising her voice on me and not acknowledging my feelings. This company is horrible. Don’t say I didn’t warn you. My bill supposed to be just the difference of a new car that I added which is $445 per 6 months add to what I paid 6 months ago which was $3025 plus $445. Mind you, I paid close to $300 up to May 28 for adding a new car and a driver. I was expecting to pay close to $3500 and not $3991. Jennifer has no explanation for me. Instead she was very aggressive. I’m just frustrated and looking to change to a different company.

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      Customer ServiceStaff

      Reviewed May 21, 2026

      I cannot say enough good things about GEICO. I had a minor accident, they called 2x just to make sure I was ok, they arranged the body shop and the rent a car while being knowledgeable and extremely friendly. I am proud to be a customer of 24 years. Thank you for the service

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      Customer ServiceCoverageSales & MarketingPriceStaffTransparency

      Reviewed May 21, 2026

      I’ve a customer for over 32 years with GEICO insurance company. On 5/18/26 @8:39pm I placed a call to cancel my auto policy. To my surprise Agent Heather very informed and reluctant to cancel has taken the time to review my policy. Surprisingly over the course of my 32 years an update is to done every 2 years but due to certain regulations the customer is reached out to GEICO and request the above update. Said update is written in fine prints in the Declaration of the policy.

      My complaint is for 32 years of being a loyal customer. Not once received the update except on 5/18/26 to cancel the policy. All the perks and discounts were applied. On 5/19/2026 @ approximately 13:54 pm less than 24 hrs I reach out to GEICO. They didn’t honor the same. The offer was no longer available contrary a higher and very costly policy. Was offered no discount. The Agent reinstated the 32yr.

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      CoveragePunctuality & SpeedBilling

      Reviewed May 21, 2026

      Cancelled my insurance because I was late 2 days providing my wife's residency. Once it reinstated, they doubled my policy payments. This insurance is terrible. What's happening the oracle from Omaha. Run a better business!!!

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      GEICO Company Information

      Company Name:
      GEICO
      Website:
      www.geico.com