Is Geico Insurance Good? (2026)
Geico has cheap car insurance rates, with an average cost of $65 per month for minimum coverage. But ValuePenguin only gives Geico 3 out of 5 stars because it lacks coverage options and its service is poor.
Find the Cheapest Car Insurance Quotes in Your Area
Get Geico if:
-
You want cheap minimum coverage
-
You want to manage your policy digitally
Skip Geico if:
-
You want good customer service
-
You just want a home insurance policy
-
You only want a motorcycle policy
Overall ValuePenguin rating: 3/5
Rating breakdown | ||
|---|---|---|
| Auto insurance | 4.0/5 | 4.0 out of 5 |
| Home insurance | 2.5/5 | 2.5 out of 5 |
| Motorcycle insurance | 1.5/5 | 1.5 out of 5 |
Get Geico if:
-
You want cheap minimum coverage
-
You want to manage your policy digitally
Skip Geico if:
-
You want good customer service
-
You just want a home insurance policy
-
You only want a motorcycle policy
Overall ValuePenguin rating: 3/5
Rating breakdown | ||
|---|---|---|
| Auto insurance | ||
| Home insurance | ||
| Motorcycle insurance | ||
Pros and cons of Geico insurance
Pros
- Cheap car insurance for most people
- Lots of car insurance discounts
- Offers many types of insurance
- Helpful website and mobile app
Cons
- Difficult claims experience
- Very few coverage add-ons for people who want extra protection
- Limited number of local agents
Why trust ValuePenguin?
ValuePenguin conducts extensive reviews of car insurance companies, including analyzing rates, researching coverage options and discounts, and reviewing customer satisfaction scores from third parties such as the National Association of Insurance Commissioners (NAIC) and J.D. Power. Our team has more than 50 years of combined expertise in insurance and includes licensed agents with real-world, hands-on experience working with insurance customers.
Read the full breakdown of how we get and analyze our data and how we rate companies.
Geico car insurance review
Geico auto insurance has affordable quotes for most people.
The company also offers lots of discounts and enough coverage options for most drivers. But customers aren't always happy with Geico's claims process after an accident.
ValuePenguin rating: Geico car insurance
Overall rating:
4/5
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 3.3/5 |
| Customer service | 3.3/5 |
| Unique value | 5/5 |
Geico auto insurance has affordable quotes for most people.
The company also offers lots of discounts and enough coverage options for most drivers. But customers aren't always happy with Geico's claims process after an accident.
ValuePenguin rating: Geico car insurance
Overall rating:
4/5
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 3.3/5 |
| Customer service | 3.3/5 |
| Unique value | 5/5 |
How much is Geico car insurance?
Geico has some of the cheapest liability-only car insurance quotes among major insurance companies, at just $65 per month, on average. Geico also has the cheapest liability-only quotes in 11 states.
Geico automotive insurance rates vs. competitors
Find the Cheapest Car Insurance Quotes in Your Area
Geico's full coverage car insurance isn't as good of a deal.
Full coverage from Geico is cheaper than average at $187 per month. But it's $28 per month more expensive than the cheapest major company, American Family.
But Geico does have the cheapest full coverage car insurance in 11 states and Washington, D.C.
Geico car insurance cost vs. competitors
Company | Min. cov. | Full cov. | |
|---|---|---|---|
| American Family | $60 | $159 | |
| Geico | $65 | $187 | |
| Travelers | $68 | $173 | |
| State Farm | $73 | $192 | |
| Progressive | $75 | $207 | |
| Farmers | $107 | $293 | |
| Nationwide | $107 | $265 | |
| Allstate | $113 | $282 | |
| USAA* | $41 | $125 | |
*USAA is only available to military members, veterans and their families.
Data-powered research on Geico insurance
| 33,586 ZIP codes for accurate rates nationwide |
| Data-powered research on Geico insurance |
|---|
Poor credit
Company |
Value Penguin score
| Monthly rate | |
|---|---|---|---|
| American Family | $263 | ||
| Geico | $305 | ||
| Travelers | $321 | ||
| Progressive | $355 | ||
| Nationwide | $390 | ||
| Allstate | $458 | ||
| Farmers | $533 | ||
| State Farm | $801 | ||
| USAA* | $226 | ||
*USAA is only available to military members, veterans and their families.
Teen drivers
Company |
Value Penguin score
| Min. cov. | Full cov. |
|---|---|---|---|
| Geico | $179 | $488 | |
| Travelers | $228 | $554 | |
| State Farm | $233 | $569 | |
| American Family | $264 | $627 | |
| Progressive | $271 | $777 | |
| Allstate | $320 | $782 | |
| Farmers | $388 | $913 | |
| Nationwide | $403 | $935 | |
| USAA* | $112 | $310 |
*USAA is only available to military members, veterans and their families.
Speeding ticket
Company |
Value Penguin score
| Monthly rate | |
|---|---|---|---|
| American Family | $189 | ||
| State Farm | $210 | ||
| Travelers | $235 | ||
| Geico | $254 | ||
| Progressive | $278 | ||
| Allstate | $339 | ||
| Nationwide | $343 | ||
| Farmers | $384 | ||
| USAA* | $153 | ||
*USAA is only available to military members, veterans and their families.
Accident
Company |
Value Penguin score
| Monthly rate | |
|---|---|---|---|
| State Farm | $218 | ||
| Travelers | $254 | ||
| American Family | $257 | ||
| Progressive | $309 | ||
| Geico | $324 | ||
| Nationwide | $427 | ||
| Farmers | $452 | ||
| Allstate | $468 | ||
| USAA* | $174 | ||
*USAA is only available to military members, veterans and their families.
DUI
Company |
Value Penguin score
| Monthly rate | |
|---|---|---|---|
| Progressive | $268 | ||
| Travelers | $289 | ||
| American Family | $296 | ||
| Allstate | $435 | ||
| Geico | $441 | ||
| State Farm | $469 | ||
| Farmers | $494 | ||
| Nationwide | $594 | ||
| USAA* | $248 | ||
*USAA is only available to military members, veterans and their families.
Geico auto insurance discounts
Geico offers a lot of discounts, but they're all fairly standard across the auto insurance industry. Most of Geico's discounts are for vehicle safety equipment and good driving habits. Geico also has discounts for members of specific organizations.
- Air bag: Save up to 23% on your medical payments coverage or personal injury protection if your car has air bags.
- Antilock brakes: Get a discount of up to 5% off certain coverages if your vehicle has antilock brakes. Anti-theft system: Save up to 23% on comprehensive coverage when you install an anti-theft system in your car.
- Clean driving record: Save up to 22% on most coverages if you've been accident-free for at least one year.
- Daytime running lights: Get a discount of up to 3% on some coveragesif your car has daytime running lights.
- Defensive education: Save money by taking a defensive driving or driver education course.
- Emergency deployment: Military members can save 25% during an emergency deployment.
- Federal employee: Active or retired federal employees can get a discount of up to 12% off your total car insurance rate.
- Good student: Full-time students between 16 and 24 with a "B" average or better may save up to 15% on some coverages of their Geico quote.
- Membership or employee: Get a discount if you belong to one of over 500 schools and universities, professional organizations and other institutions.
- Military: Active-duty and retired U.S. military members or members of the National Guard or Reserves could save up to 15% on certain coverages.
- Multicar: Save up to 25% on most coverages when you insure more than one car with Geico.
- Multipolicy: Get a discount for bundling your homeowners, renters, condo or mobile home policy with Geico.
- New vehicle: Save up to 15% on some coverages if your car is newer than three model years old.
- Welcome discount: Geico will reduce your first year's payment by 9%, then 6%, 3% and 0% at the next three renewals. Currently only available in Wisconsin, Illinois, Virginia and Oregon.
Although Geico offers a military discount, it's typically not the best option for active-duty or retired military members. Even with Geico's 15% military discount, a liability-only policy from Geico still costs $14 per month more than the same coverage at USAA, on average.
Geico DriveEasy
Geico also offers a safe driving program. Geico DriveEasy tracks your driving habits and awards good driving with a discount of up to 15%. However, your rates could go up if you have poor driving habits, like speeding or using your phone while driving.
Geico auto insurance coverage
Geico has a few coverage options that you can add to your policy at an extra cost.
- Custom parts and equipment: This add-on covers aftermarket parts that you've added to your car, such as a stereo system, custom wheels or a custom paint job.
- Emergency road service: Geico roadside service typically covers services such as jump starts, locksmiths, flat-tire changes and towing if your car breaks down on the side of the road.
- Mechanical breakdown: Mechanical breakdown insurance covers certain car repairs. This can include fixing your engine, transmission or air conditioner. You'll have to pay a $250 deductible, and Geico will cover the remaining cost. However, it doesn't pay for routine maintenance or wear and tear. Mechanical breakdown insurance is available for cars under 15 months old with fewer than 15,000 miles. Once you have this coverage, you can renew it for up to seven years or 100,000 miles.
- Rental reimbursement: Rental reimbursement pays for a rental vehicle while your car is in the repair shop after an accident. You'll choose limits per day and per claim when you buy rental reimbursement. For example, you might pick $45 per day and $1,350 per claim.
- Rideshare insurance: Geico offers rideshare coverage if you work for a company like Uber, Lyft, Amazon Flex or Grubhub. This coverage typically fills the gap between your car insurance and the protection offered by the rideshare company. However, you can't get Geico rideshare insurance online. You must call Geico at 800-207-7847 to buy a rideshare policy.
Geico accident forgiveness
With accident forgiveness, your auto insurance rates won't go up after your first at-fault accident. Geico offers two types of accident forgiveness:
- Free accident forgiveness for drivers who have been accident-free for five years or more
- Upgraded accident forgiveness, which some people with good driving records can get at an extra cost (not available in California, Connecticut or Massachusetts)
Geico also offers the standard car insurance coverages you need to drive legally in your state and full coverage insurance, which includes comprehensive and collision coverage. These coverages pay for damage to your car after an accident.
It's important to note that Geico doesn't offer gap insurance. Gap insurance covers the amount left to pay off your car loan or lease if your vehicle is totaled.
Other Geico car insurance perks
Geico also offers a few helpful perks, like its Prime Time contract for drivers over 50 years old.
Prime Time contract
The Geico Prime Time contract is a program for customers over 50. Drivers with the Prime Time contract will always have the option to renew their insurance policy.
Besides being over the age of 50, to qualify for Prime Time, you must not have:
- Drivers under 25 years old on the policy
- Any tickets or accidents in the last three years
- Business vehicles insured on the policy
This program protects drivers from situations where an insurance company might not offer to renew a policy. Although you must have a clean record when you sign up for Prime Time, if you get multiple tickets after you sign up, Geico won't cancel your policy. The Prime Time contract does not guarantee that your rates will always be the same.
Auto repair program
The Geico Auto Repair Xpress program guarantees any repairs done by a shop in the Geico network. Geico guarantees the repairs for as long as you own your car.
Car-buying service
The Geico car-buying service connects you to local dealerships. It lets you see what other people have paid for a specific vehicle. You can use this service to compare car prices without having a Geico insurance policy.
Geico auto insurance reviews and ratings
Geico car insurance has mixed reviews from well-known rating companies and customers alike.
One benefit of choosing Geico is that it has an A++, or superior, financial strength rating from AM Best. That means Geico should be able to pay claims even in tough economic times.
Geico homeowners insurance review
You should only get Geico home insurance if you have another policy and can get a bundling discount.
That's because Geico doesn't sell its own homeowners insurance policies. It partners with around 45 other home insurance companies. After buying a policy through Geico, you'll work directly with one of these companies.
You don't get to choose which company you'll work with when you get Geico home insurance. Each has its own rates, coverage options, discounts and customer service.
ValuePenguin rating: Geico home insurance
Overall rating:
2.5/5
Rating breakdown | |
|---|---|
| Price | 2.5/5 |
| Coverage | 2.5/5 |
| Customer service | 2.5/5 |
| Unique value | 2.5/5 |
You should only get Geico home insurance if you have another policy and can get a bundling discount.
That's because Geico doesn't sell its own homeowners insurance policies. It partners with around 45 other home insurance companies. After buying a policy through Geico, you'll work directly with one of these companies.
You don't get to choose which company you'll work with when you get Geico home insurance. Each has its own rates, coverage options, discounts and customer service.
ValuePenguin rating: Geico home insurance
Overall rating:
2.5/5
Rating breakdown | |
|---|---|
| Price | 2.5/5 |
| Coverage | 2.5/5 |
| Customer service | 2.5/5 |
| Unique value | 2.5/5 |
Alternatives to Geico homeowners insurance
Geico home insurance quotes
Geico isn't typically the cheapest option for homeowners insurance.
And quotes vary widely depending on which affiliate the company pairs you with. For example, some of Geico's larger affiliates in New York are AIG, Chubb, Pure Insurance and Narragansett Bay. Pure is the cheapest of these options, at around $978 per year. However, home insurance from Chubb costs an average of $1,506 per year. That's a difference of $528 per year.
Unfortunately, you can't choose which provider Geico pairs you with, so there's no way to shop around to find the best rate.
Find the Cheapest Home Insurance Quotes in Your Area
Even if you're getting a discount from Geico for bundling your home and auto insurance, you may be able to pay less by buying policies from two different companies.
For example, the average cost of Farmers home insurance is $752 per year. Even if Geico matched you with Pure Insurance, it's still 30% more expensive than Farmers. That's typically more than you would save with a bundling discount.
Home insurance quotes from Geico affiliates vs. competitors
Company | Annual rate | |
|---|---|---|
| Farmers | $752 | |
| Travelers | $834 | |
| * Pure Insurance | $978 |
| * Narragansett Bay | $1,240 |
| Allstate | $1,302 | |
| * AIG | $1,466 |
| * Chubb | $1,506 | |
| State Farm | $2,535 | |
*Geico affiliate
Geico homeowners insurance discounts
Geico only offers three home insurance discounts on its policies. That's far fewer than most major companies offer.
- Multipolicy discount for bundling your home insurance with a car, motorcycle or other type of insurance policy
- Home security systems discount for protecting your home with a security system
- Safety equipment discount for having smoke detectors and fire extinguishes
However, because Geico doesn't directly sell its own home insurance, the discounts may vary depending on the company you're placed with. The best way to find out what savings are available to you is to get a quote.
Geico homeowners insurance coverage options
Each of Geico's home insurance partners offers its own unique set of insurance coverages.
You can expect Geico's partners to offer the basic protection included in most home insurance policies. This includes:
- Medical payments coverage
- Loss of use or additional living expenses
They may also offer common add-ons like protection for valuable jewelry or identity theft coverage. But, unfortunately, you won't know which coverage options you have until you're toward the end of the quote process.
Geico home insurance reviews and ratings
It's hard to predict what type of customer service you'll get from Geico home insurance until you buy a policy.
That's because around 45 different partner companies underwrite Geico home insurance. Once you have a policy, you'll contact your underwriting company directly to file a claim. It will also help you make changes to your policy or answer billing questions.
Some of Geico's partners have better customer service reviews than others.
For example, J.D. Power's customer satisfaction survey ranked Chubb 2nd out of 28 of the largest home insurance companies. That means homeowners are typically happy with the service they get at Chubb.
However, Homesite, another Geico partner, was ranked 21st out of 28 companies. That means Homesite customers may have difficulty getting the company to pay for repairs after an emergency.
Geico home insurance customers on Reddit tend to have similar complaints.
For example, one Redditor who bundled their auto and home insurance with Homesite through Geico complained that the company offered significantly less money to repair their home after Hurricane Helene than the quotes they received from local contractors.
Geico motorcycle insurance
Geico motorcycle insurance is only worth considering if you're already a Geico auto insurance customer.
Geico's motorcycle insurance rates are a little more expensive than average, and the company doesn't offer many extra coverage options or discounts. The main reason to consider Geico motorcycle insurance is the convenience of having your motorcycle and auto insurance policies with the same company.
ValuePenguin rating: Geico motorcycle insurance
Overall rating:
1.5/5
Rating breakdown | |
|---|---|
| Price | 0/5 |
| Coverage | 1.6/5 |
| Customer service | 3.3/5 |
| Unique value | 0/5 |
Geico motorcycle insurance is only worth considering if you're already a Geico auto insurance customer.
Geico's motorcycle insurance rates are a little more expensive than average, and the company doesn't offer many extra coverage options or discounts. The main reason to consider Geico motorcycle insurance is the convenience of having your motorcycle and auto insurance policies with the same company.
ValuePenguin rating: Geico motorcycle insurance
Overall rating:
1.5/5
Rating breakdown | |
|---|---|
| Price | 0/5 |
| Coverage | 1.6/5 |
| Customer service | 3.3/5 |
| Unique value | 0/5 |
Geico motorcycle insurance quotes
Full coverage motorcycle insurance from Geico costs around $36 per month. That's 8% more expensive than the national average.
Geico motorcycle insurance rates vs. competitors
Compare Motorcycle Insurance Quotes
However, coverage from Progressive costs just $23 per month, on average. That's $13 per month less than a policy from Geico. In addition, Progressive's standard policy includes extra coverage perks that aren't available from Geico.
Geico motorcycle quotes vs. competitors
Company |
Value Penguin score
| Monthly rate | |
|---|---|---|---|
| Dairyland | $22 | ||
| Progressive | $23 | ||
| Harley-Davidson | $24 | ||
| Geico | $36 | ||
| Allstate | $37 | ||
| Nationwide | $55 | ||
Geico motorcycle insurance discounts
Geico offers a few motorcycle insurance discounts, but not as many as most of its competitors. The discounts Geico offers are generally easy to qualify for, however.
For example, switching to Geico from a different insurance company can get you a discount of up to 10%.
- Instructor: Certified safety instructors get a discount of up to 20%.
- Loyalty: Get up to 10% off when you renew your motorcycle insurance policy with Geico.
- Mature rider: Mature riders can save up to 10%.
- Multibike: Insure more than one motorcycle with Geico and earn a discount of up to 10%.
- Multipolicy: Bundle your motorcycle and car insurance with Geico to earn up to 5% off motorcycle insurance.
- Safety course: Complete a motorcycle safety course and get a discount of up to 10%.
- Transfer: If you transfer your coverage to Geico from another company, you'll save on your rate.
Geico motorcycle insurance coverage options
Geico offers fewer extra motorcycle coverage options than other insurance companies.
Riders can upgrade their basic motorcycle insurance policies to include roadside assistance and coverage for accessories, like a saddlebag or CB radio.
However, Geico doesn't offer some popular coverage options you can find with other companies. For example, you can't get rental car coverage to help pay for a vehicle while your motorcycle is in the shop after a crash.
For that reason, Geico motorcycle insurance is only a good choice if you're shopping for the most basic coverage available.
Other types of insurance from Geico
One drawback of Geico is that it has very few in-person offices compared to other large insurance companies. If you prefer to work with your insurance agent in person, another company may be a better fit.
Geico insurance vs. competitors
Geico vs. Nationwide
Geico | Nationwide | |
|---|---|---|
| Availability | All 50 states & D.C. | 46 states & D.C. |
| Auto rates | Cheap | Expensive |
| Home rates | Depends | Expensive |
| Auto service | Mixed | Mixed |
| Home service | Depends | Below average |
Geico home insurance rates and service depend on the underlying company your policy is placed with.
Geico vs. Erie
Geico | Erie | |
|---|---|---|
| Availability | All 50 states & D.C. | 12 states & D.C. |
| Auto rates | Cheap | Cheap |
| Home rates | Depends | Expensive |
| Auto service | Mixed | Excellent |
| Home service | Depends | Excellent |
Geico home insurance rates and service depend on the underlying company your policy is placed with.
Geico vs. American Family
Geico | American Family | |
|---|---|---|
| Availability | All 50 states & D.C. | 19 states |
| Auto rates | Cheap | Cheap |
| Home rates | Depends | Expensive |
| Auto service | Mixed | Good |
| Home service | Depends | Below average |
Geico home insurance rates and service depend on the underlying company your policy is placed with.
Frequently asked questions
Why is Geico so cheap?
Geico might be cheap partly because it operates mostly online. There are very few local, in-person Geico agents, which means lower expenses for the company as a whole. Those savings can then be passed on to customers.
Is Geico a good insurance company?
Yes, Geico is a good company. It has affordable car and motorcycle insurance rates, and it's easy to buy a policy online. But Geico doesn't use insurance agents. So look elsewhere if you want to have a dedicated person who helps you manage your insurance.
Who should buy Geico insurance?
You should consider getting Geico if you are happy handling your policy online or within an app, and you're okay calling and talking to someone when you need help instead of going to an agency. Geico isn't a good idea if you want a local agent to guide you. It's also not the best option if you want excellent customer service.
Methodology
ValuePenguin's auto and home analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Geico's overall rating is weighted by 50% car insurance, 25% home insurance and 25% motorcycle insurance.
Auto insurance
To find the average cost of Geico car insurance, ValuePenguin gathered rates across 50 states and Washington, D.C. Rates are for a 30-year-old man with good credit and a clean driving record, unless otherwise noted. He owns a 2018 Honda Civic EX.
Full coverage quotes include collision and comprehensive, plus higher liability limits than required in each state.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
- Personal injury protection: Minimum when required by state
Home insurance
To find the cost of home insurance for Geico affiliates, ValuePenguin gathered quotes from all residential ZIP codes across New York state. Rates are for a 45-year-old married man with no prior home insurance claims. He has $313,700 of dwelling coverage and $100,000 of personal liability coverage with a $1,000 deductible.
Motorcycle insurance
To find the cost of Geico motorcycle insurance, ValuePenguin collected quotes across all 50 states. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage motorcycle policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision: $500 deductible
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
