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Geico Auto Insurance Review

Geico offers auto insurance for drivers in all 50 states and Washington, D.C., backed by Superior financial strength, according to AM Best. ​
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Multiple discounts
High ranking customer satisfaction in some areas
Available nationwide

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By Reviews Staff
Last updated on Nov 10, 2025

Reviews Report

  • Reviews.com scores Geico car insurance a 4.8 out of 5 and notes several current strengths: AM Best A++ financial strength, a broad discount lineup (roughly 16 categories nationally, state-specific), and a widely available telematics program (DriveEasy). Geico’s U.S. private-passenger auto share is about 13% based on the latest full‑year market‑share data, ranking No. 3 nationally (NAIC Market Share Report; see also Insurance Information Institute).
  • Geico is rated A++ (Superior) by AM Best, the highest rating for financial strength; Berkshire Hathaway’s latest annual report confirms Geico’s A++ rating status (Berkshire Hathaway 2024 Annual Report).
  • Geico is considered an affordable car insurance company due to its broad discount lineup (multi‑policy, multi‑vehicle, good driver, equipment-based safety discounts, military/federal employee, education/training, and more) and savings opportunities via DriveEasy (availability varies by state). See Geico’s current discount categories on its official page: auto discounts.

Formally known as Government Employees Insurance Company and owned by Berkshire Hathaway, Geico remains one of the largest U.S. auto insurers. The latest full‑year NAIC-based data indicate Geico holds about 13% of the private-passenger auto market by direct premiums written, placing it third nationally behind Progressive and State Farm (see 13.54% of the total market share for historical context; current compilations show ~13%). Geico was founded in 1936 and is headquartered in Chevy Chase, Maryland.

Many drivers know Geico’s motto, “15 minutes could save you 15% or more on car insurance.” In today’s high‑rate environment—motor vehicle insurance inflation remained elevated through 2024–2025 per BLS CPI—Geico emphasizes telematics, digital self‑service, and discounts to compete on price and value. Geico sells car insurance in all 50 states and Washington, D.C.

Geico Car Insurance Overview

Reviews.com Score:
4.8
In business since:
1936
AM Best: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
A++
J.D. Power: J.D. Power scores are based on surveys for customer satisfaction and product quality.
See 2025 study*
States served:
50 + D.C.

Geico holds AM Best’s highest Financial Strength Rating (A++), signaling a superior ability to meet ongoing obligations. This rating is affirmed in Berkshire Hathaway’s latest annual report (2024 Annual Report; see also AM Best rating definitions). Regarding purchase experience, J.D. Power’s 2021 U.S. Insurance Shopping Study is superseded by newer editions; consult the latest results to see where Geico stands today. Berkshire reports Geico returned to growth and re-accelerated marketing in 2024, which often supports better quote-to-bind conversion (Berkshire Hathaway 2024 Annual Report).

Customer satisfaction varies by region in J.D. Power’s latest U.S. Auto Insurance Study. For claims, the most recent U.S. Auto Claims Satisfaction Study highlights communication quality and end‑to‑end cycle time as key drivers; industry results have stabilized as carriers invest in digital status updates and repair network performance.

PROS

  • High rankings for customer service: J.D. Power ranks auto insurers by region rather than nationally; in the latest studies, Geico performs competitively in some regions and trails in others. Check the current regional results in the U.S. Auto Insurance Study and the Auto Claims Satisfaction Study.
  • Highly rated mobile app: Geico’s app supports quotes, ID cards, bill pay, and claims; the company emphasizes digital self‑service and telematics via DriveEasy as savings levers in today’s high‑rate environment (see BLS CPI; J.D. Power 2025 Auto Insurance Study).
  • Variety of discounts: Nationally, Geico advertises a broad set of auto discounts spanning bundling, safe driver, education/training, military/federal employee, and vehicle equipment—roughly 16 categories when itemized (availability and amounts vary by state). See Geico discounts and DriveEasy.
  • Available across the nation: Geico offers auto and other insurance products in all 50 states plus Washington, D.C.; market share sits around 13% nationally (No. 3 by direct premiums written per NAIC and III).

CONS

  • Below average claims satisfaction in some region: Recent J.D. Power studies show regional variability in both customer and claims satisfaction; Geico is not uniformly above average everywhere. Review the latest regional charts and claims findings: Auto Insurance Study and Auto Claims Study.
  • Few add-on coverage options: Compared with some competitors, Geico’s endorsement menu is relatively lean (e.g., roadside assistance, mechanical breakdown coverage for qualifying newer vehicles, rental reimbursement; availability varies by state).
  • Not best for high-risk drivers: While pricing is often competitive for many profiles, high‑risk drivers may find broader program options elsewhere (compare telematics, SR‑22 handling, and regional results across carriers using the latest J.D. Power studies).

Geico Car Insurance Highlights

Coverage
Customer Experience
Discounts & Add-Ons
Claims

Geico offers standard car insurance coverage, such as liability, medical payments, personal injury protection, uninsured/underinsured motorist, comprehensive, and collision. Geico also offers optional coverage for emergency roadside service, mechanical breakdown, and rental car reimbursement, as well as coverage for people traveling to Mexico or who own a classic car. In addition, Geico is one of the few providers that offers specific coverage and discount opportunities for military drivers.

J.D. Power reports that overall satisfaction is influenced by price, digital tools, and communication. Rankings vary by region in the latest U.S. Auto Insurance Study. Shopping and purchase satisfaction is benchmarked in the U.S. Insurance Shopping Study. Elevated premiums across the market continue to pressure price satisfaction (BLS CPI). In terms of online experience, Geico reports its website has an average customer rating of 4.5 out of 5 stars, while Trustpilot currently shows mixed feedback (see Trustpilot).

Geico continues to advertise one of the broader national discount menus—about 16 categories when itemized (e.g., multi‑policy, multi‑vehicle, good driver, defensive driving, good student, federal employee, military, anti‑theft and safety‑equipment). Availability and savings vary by state filings. See Geico discounts. Geico’s DriveEasy telematics program remains the main behavior‑based savings lever. Endorsements are relatively limited compared to some competitors (notably roadside assistance, mechanical breakdown for qualifying vehicles, and rental reimbursement).

Geico supports 24/7 claim reporting online, by phone, or through its app. J.D. Power’s latest Auto Claims Satisfaction Study emphasizes communication quality and cycle time as major drivers of satisfaction. Industry data also show growing use of AI and photo estimating, alongside higher repair complexity for ADAS-equipped vehicles, which can affect costs and cycle times (CCC Crash Course 2025). For complaint trends, consult the NAIC Consumer Complaint Index (company and issue breakdowns vary by year and state).

Geico Car Insurance vs. The Competition

Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. J.D. POWER CLAIMS SATISFACTION J.D. Power scores are based on surveys for customer satisfaction and product quality. AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
Pin Geico4.8—*A++
Pin Allstate4.2—*A+
Pin Auto-Owners4.4—*A++
Pin State Farm5—*A++

Information accurate as of November 2025

J.D. Power’s latest Auto Claims Satisfaction Study. Based on a 1,000-point scale.

Geico vs. Allstate 

Both companies offer comparable core coverage. Allstate differentiates with telematics through Drivewise and a pay‑per‑mile option (Milewise), while Geico offers its DriveEasy telematics program. In the latest J.D. Power releases, claims and customer satisfaction remain sensitive to communication and price, with performance varying by region and program participation (2024 Auto Claims Satisfaction Study; 2024 Auto Insurance Study). In today’s high‑rate market, UBI enrollment and bundling can materially change relative quotes (see BLS CPI).

Geico vs. Auto-Owners

Auto-Owners lists a broad set of discounts and comparatively robust coverage options (e.g., common loss deductible, diminished value, Personal Automobile Plus). Auto-Owners distributes through independent agents and offers the TrueRide telematics program (availability varies). Both companies are rated A++ (Superior) by AM Best. Regional J.D. Power results often show strong marks for Auto-Owners in service-oriented markets, while Geico’s results are mixed by region; consult the latest claims and customer studies for state‑specific benchmarking.

Geico vs. State Farm

State Farm and Geico both carry AM Best’s Superior financial strength ratings. State Farm emphasizes agent-led service and two driver programs—Drive Safe & Save (UBI) and Steer Clear (training for younger drivers)—while Geico focuses on direct-to-consumer digital service with State Farm frequently competing closely on price when telematics and bundling are applied. J.D. Power’s latest studies show that rankings vary by region and claim type, so outcomes depend heavily on your state and whether you enroll in telematics (customer study; claims study).

Frequently asked questions

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Methodology

We evaluated Geico based on discounts, coverage, online resources, financial strength, market position, and customer/claims satisfaction to determine Reviews.com scores and create our best car insurance reviews. We prioritized the most recent primary sources and industry benchmarks.

  • Discounts: We verified nationally advertised categories on Geico’s site (discounts; DriveEasy) and noted that availability and savings vary by state.
  • Financial Stability: We used AM Best and Berkshire Hathaway disclosures to confirm Geico’s current A++ (Superior) status (AM Best; Berkshire 2024 AR).
  • Customer Satisfaction: We referenced J.D. Power’s latest U.S. Auto Insurance Study, U.S. Auto Claims Satisfaction Study, and U.S. Insurance Shopping Study for current trends and regional context.
  • Coverage: We reviewed Geico’s advertised coverages and endorsements and compared them with competitor offerings and public program details.
  • Market & Pricing Context: We incorporated NAIC market-share reporting (NAIC; III) and the pricing backdrop via BLS CPI to frame 2024–2025 dynamics.

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