Though GEICO car insurance lacks some vehicle coverage options and misses several common discounts, they are a very popular auto insurance company that generally offers some of the lowest quotes around. With great informational resources and powerful online account management tools, GEICO makes an especially great choice for hands-on consumers.
GEICO stands out for its great selection of policy coverage choices, including all standard types of coverage and a number of great add-on options. Standard policy choices include bodily injury and property damage liability coverage and protection against property damage from uninsured motorists. You can also choose emergency roadside assistance coverage to get immediate help if you need a tow or if you're locked out of your car. Select rental reimbursement coverage if you want free access to a rental car whenever your own vehicle is in for repairs after an accident. GEICO auto insurance even offers windshield and glass coverage, allowing you to get a quick repair whenever you get a chip or a crack in a car window. Whether you're after a full-coverage policy or just the basics, GEICO has you covered.
Extensive learning materials:
If you believe knowledge is power, GEICO car insurance has just what you're after. The GEICO Information Center puts all kinds of great auto insurance information all in one place, including insurance policy guides, a detailed glossary, some really thorough FAQs, and so much more. With solid information on available discounts and a calculator feature to help you find just the right level of coverage to meet your needs, you're going to be very well-informed when it comes time to buy a policy. You can even access some great car buying resources, including advice on choosing and financing a car and help finding vehicle safety and crash test ratings. Whether you're a first-time insurance buyer or a long-time driver, you're sure to appreciate GEICO's dedication to customer education.
Exceptional policy management:
GEICO car insurance also does a great job with its online policy management tools, ranking among the best in the industry for providing a simple yet powerful account dashboard with full access to most policy settings. Log in to the GEICO account manager to review your policy, pay your bill, print proof of insurance, and add or remove drivers. You can even add or remove a car from your policy, change your coverage options, or adjust your deductibles instantly and without any telephone calls or visits to your agent. If easy account access and personal control over your policy details is important to you, GEICO auto insurance is sure to be a great fit.
Cheap quote prices in most areas:
If you get a GEICO car insurance quote, it will likely be one of the cheapest auto insurance quotes around. Car insurance quotes ultimately depend on a number of factors, but in some areas tested, GEICO auto insurance quotes were up to $300 cheaper than competitors. With the potential for finding the best auto insurance quotes in the industry, GEICO is always a good starting point. Not to mention, they have a very fluid online quote process so you can quickly get your price.
Not the best vehicle coverage:
GEICO car insurance offers a great selection of policy coverage options, but they fall just a little short of the competition when it comes to vehicle coverage. Although you can find all the basic vehicle coverage choices, including collision and comprehensive coverage, you don't have the option to select interior vehicle coverage for protection against break-ins and theft. New car owners will be disappointed to learn that new car replacement coverage and GAP insurance are also unavailable. New car replacement coverage provides you with a brand new car if your vehicle is totaled in the first year of ownership, while GAP insurance makes sure that your car loan is paid in full, even if your loan balance is greater than the market value of the car. However, GEICO is still one of very few major insurance companies to offer mechanical breakdown insurance, which helps pay for engine repairs and part replacements that aren't covered under your car warranty.
Limited mobile functionality:
GEICO car insurance falls just a bit short on mobile access, which is surprising in light of how strong GEICO's online account management tools are. The GEICO App fails to offer the same power and flexibility to edit your policy at all. That said, the app is great for viewing your policy documents, coverage details, and open claims. You can pay your bill, which is nice, and you can also get a quote for a new policy or a new vehicle on your existing policy. Both the iPhone and Android versions of the app receive outstanding user reviews so it just depends on the type of functionality you're looking for.
Missing some discounts:
Even though GEICO is known as a discount insurer and performs pretty well on that count, it fails to deliver on several discounts relatively common throughout the industry. For example, the company offers no price breaks to low-mileage drivers, which is a pretty standard option. If you like getting ahead on your bills, the lack of a prepayment discount may also disappoint you. Though you can get discounts for insuring multiple vehicles and for purchasing other types of GEICO insurance, you won't get a loyalty discount, even if you stick with the company for years. GEICO car insurance could also improve on its discounting reputation by offering an easy discount analysis tool to help you make sure that your policy always includes all available discounts.
A.M. Best FSR Rating
A.M. Best ICR Rating
Standard & Poor's Rating
Accident Forgiveness - Your rates do not automatically increase after an accident.
Defensive Driver Discount - You can get a discounted rate if you complete a defensive driving course.
Driving Habits Discount - You can get a discounted rate if you place a device in your car that measures your driving habits.
Family Discount - Direct family members of current policy holders get a low rate.
Good Driver Discount - You can get a discount for having a clean driving record.
Good Student Discount - Students that maintain a good GPA can get a policy discount.
Military Discount - You can get a discount if you are a member of the military.
Multiple Policy Discount - You can get a discount for having multiple insurance policies with the same company.
Multiple Vehicle Discount - You can get a discount if you insure multiple vehicles.
Organization Discount - You can get a discount to if you are affiliated with certain organizations or partner companies.
Discount Finder - The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.
Low Mileage Discount - You can get a discount for driving low mileage each year.
Loyalty Discount - You can get a discount if you remain with the company over an extended period of time.
Prepay Discount - You can get a discount if you pay your premiums in advance.
Automatic Payments - Payments can be scheduled automatically.
Credit Card Payments - You can make a payment with your credit card.
Flexible Payment Terms - You have flexible payment terms over different periods of time.
Mail Payments - Payments can be mailed.
Online Payments - Payments can be made online.
Pay by Bank Account - You can make a payment directly from your bank account.
Phone Payments - Payments can be made over the phone.
Prepayment - Policies can be prepaid in full, often at a discount.
Bodily Injury Liability - You can get coverage against bodily injuries to others in an accident that is your fault.
Personal Injury Protection - You can get coverage for injuries sustained by the driver or any passengers, often including medical bills and lost wages.
Property Damage Liability - You can get coverage against property damage to another party in an accident that is your fault.
Rental Car Coverage - You can get coverage for your rental car if it is damaged or stolen.
Separate Windshield and Glass - You can get stand-alone coverage for damaged windshields or glass.
Uninsured Motorist Property Damage Coverage - You can get coverage that protects against property damage caused by an uninsured or underinsured motorist.
Pet Injury Coverage - You can get coverage for injuries sustained by pets in an auto accident.
Stacked Uninsured Motorist Coverage - You can get coverage that allows you to combine or ''stack'' the individual limits of coverage on multiple insured vehicles in the same household.
Add a Driver - You can add a new driver to your insurance policy.
Add a Vehicle - You can add a vehicle to your insurance policy.
Billing Status - You can check billing status and payment information.
Dashboard - You can manage and change policy details through an online service center.
Paperless Billing - You can elect to receive statements and policy information via email or on the company's website.
Replace Vehicle - You can replace or change a vehicle covered by your insurance policy.
Collision - You can get coverage against any damage resulting from a collision.
Comprehensive - You can get coverage against any non-collision vehicle damage including fire, theft, or vandalism.
Mechanical Breakdown Coverage - You can get coverage that includes all mechanical repair costs beyond routine maintenance.
GAP Insurance - You can get coverage that pays the difference between the actual value of a totaled car and the balance remaining on an auto loan.
Interior Vehicle Coverage - You can get coverage of personal belongings inside of the car including sound systems, CDs, and DVDs.
New Car Replacement - You can get coverage that will replace a totaled car with a brand-new version if it is less than 1 year old.
Medical Payments - You can get coverage for a variety of accident-related medical bills.
Rental Car Reimbursement - You can get reimbursed for the cost of a rental car following a claim.
Roadside Assistance - You can get roadside assistance for flat tires or other mechanical problems.
Towing and Labor - The cost of towing and the labor associated with getting your car back on the road is covered.
24/7 Claims Center - A claims center can be reached 24/7.
Agent Claim Filing - You can contact an agent to file a claim.
No Repair Facility Restrictions - You can have repairs done at the facility of your choice.
Online Claim Filing - You can file a claim online 24/7.
Repair Facility Recommendations - The company provides a network of recommended repair facilities.
Telephone Claim Filing - You can file a claim via telephone.
Mobile Claim Filing - You can file a claim through a mobile app.
Insurance Cards by Mail - You can receive your insurance cards by mail.
Online Policy Purchase - You can purchase a policy entirely online.
Online Rate Quotes - You can get a car insurance quote on the company's website.
Print Insurance Cards - You can print your insurance cards.
Insurance Cards by Fax - You can receive your insurance cards by fax.
Accident Guide - A mobile app that assists with data collection, emergency services, or tips in the event of an accident is available.
Android App - You can get an Android-specific app.
Claim Details - You can update your claim details through a mobile app.
Connect with an Agent - You can connect directly with an agent through a mobile app.
Digital ID Cards - Digital ID cards are available online or on mobile devices.
Email/Print ID Cards - You can email or print digital insurance cards.
Favorable Mobile App Store Reviews - The mobile app has a combined 3.5 stars or greater for their iPhone and Android apps.
Get a Quote - You can get a rate quote through a mobile app.
iPhone App - You can get an iPhone-specific app.
Mobile Website - A mobile-specific website is available.
Tablet - A tablet-based app is available.
Text Message Alerts - Policy alerts or updates can be issued by text message.
Edit Policy - You can edit or change your policy details with a mobile app.
File a Claim - You can initiate or file a new claim through a mobile app.
GPS Locator - The mobile app has a built-in GPS locator.
Email/Ticket - The company has an email or ticket system dedicated to support.
Phone - You can contact the company by phone to get support.
Social Media - You can contact the company with questions through social media websites.
Live Chat - The company offers live chat support.
Blog - A blog with relevant insurance information is available.
FAQs - A list of answers to frequently asked questions is available.
Glossary - A glossary of common industry terms is available.
Knowledge Base - A knowledge base of detailed help articles is available.
Video Tutorials - Video tutorials are available.
Forum - The company provides access to an interactive forum where users can post questions and answers.
Anti-Theft Device Discount - A discount is offered if vehicles are equipped with an anti-theft device.
Vehicle Equipment Discount - A discount is offered if vehicles have certain safety or theft-protection features.
Electric Vehicle Discount - A discount is offered for electric vehicles.
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