Tens of millions of individuals use Geico auto insurance coverage for its affordability and clean claims expertise. The well-known supplier is the second largest automobile insurance coverage firm within the U.S. and has many joyful prospects, as proven by hundreds of optimistic Geico insurance coverage evaluations.
In our analysis into the very best automobile insurance coverage corporations within the business, we named Geico our best choice. Be taught why in this text, the place we check out Geico automobile insurance coverage protection choices, perks, and Geico evaluations from prospects.
On this article:
Geico Overview
Geico is an acronym that stands for Authorities Workers Insurance coverage Firm. The insurer was born in 1936 to serve authorities staff. Immediately, Geico offers providers to all drivers in 50 states, nevertheless it nonetheless affords particular reductions and applications for federal staff. As part of Berkshire Hathaway, Geico wrote over $34 billion in premiums in 2019 in accordance with the Nationwide Affiliation of Insurance coverage Commissioners.
An A++ score from AM Greatest is the best score attainable. That signifies that Geico will pay buyer claims with ease. Geico additionally has an A+ score from the Higher Enterprise Bureau (BBB) and numerous five-star Geico insurance coverage evaluations from joyful prospects.
Other than automobile insurance coverage, you can even discover Geico bike insurance coverage plus different insurance coverage merchandise reminiscent of:
- Owners insurance coverage
- Renters insurance coverage
- Rental insurance coverage
- RV insurance coverage
- Boat insurance coverage
- And extra
Geico Auto Insurance coverage Protection
As a full-service supplier, Geico affords the six normal kinds of automobile insurance coverage:
Geico additionally affords some extra protection choices that set it other than different suppliers.
| Geico Automotive Insurance coverage | Particulars |
|---|---|
| Roadside Help | Roadside help protection is offered for a small payment – you will get it for as little as $14 per yr. It contains jump-starts, spare tire set up, towing to a restore store, and lockout providers as much as $100. |
| Rental Automotive Reimbursement | This protection pays for prices of a rental automobile whereas your personal automobile is being repaired after a coated declare. Geico works with Enterprise Lease-A-Automotive, which suggests your insurance coverage pays Enterprise immediately. |
| Mechanical Breakdown Insurance coverage | Geico mechanical breakdown insurance coverage is just like an prolonged guarantee. Beneath an MBI plan, Geico pays for repairs to any coated mechanical half in your automobile. This excludes put on and tear, tune-ups, and upkeep objects. Your automobile is barely eligible whether it is underneath 15 months outdated or has fewer than 15,000 miles. |
| Rideshare Insurance coverage | In case you drive for Uber or Lyft, you are coated whereas ready for, driving to, and carrying passengers. |
Whereas different roadside help plans might provide extra service choices, Geico’s plan covers the fundamentals at an inexpensive worth. In comparison with AAA’s value of $50 to $100 per yr, it is a fairly whole lot for individuals who are insured by Geico. Total, prospects which have left Geico auto insurance coverage evaluations appear happy with the number of protection.
Geico Value And Reductions
In comparison with different main suppliers, Geico auto insurance coverage is inexpensive. Our assessment staff reached out for a pattern quote for a 25-year-old feminine driver with a 2016 Honda Match with 50,000 miles. We had been quoted simply $294 for a six-month Geico insurance coverage coverage, or about $49 monthly.
Here is a have a look at one other Geico quote we obtained for a married couple, ages 30 and 31, who drive a 2016 Chevrolet Colorado with 50,000 miles and a 2012 Toyota RAV-4 with 120,000 miles. As a result of the Colorado is financed, it requires collision and complete protection, whereas the RAV-4 doesn’t.
| Geico Auto Insurance coverage Quote | Primary Protection | Full Protection |
|---|---|---|
Legal responsibility Insurance coverage | $100,000/$300,000/$50,000 | $100,000/$300,000/$50,000 |
Collision Insurance coverage | $500 deductible for Colorado solely | $500 deductible for each automobiles |
Complete Insurance coverage | $500 deductible for Colorado solely | $500 deductible for each automobiles |
Medical Funds | None | $2,000 |
Uninsured/Underinsured Motorist | $100,000/$300,000/$50,000 | $100,000/$300,000/$50,000 |
Add-Ons | Roadside help and rental automobile reimbursement ($30 per day) for Colorado solely | Roadside help and rental automobile reimbursement ($30 per day) for each automobiles |
6-Month Premium | $576.10 (or $99.02 monthly) | $738.71 (or $126.13 monthly) |
As a result of worth is affected by issues like your age, gender, accident historical past, and the kind of automobile you drive, the easiest way to estimate your month-to-month fee is to get a free quote. Except you’re within the army or have a member of the family with USAA, we expect Geico offers among the most cost-effective automobile insurance coverage insurance policies round. The common annual premium with Geico for knowledgeable drivers with clear driving data is round $1,470, in accordance with our value analysis. That is about 27% cheaper than the nationwide common.
While you get a quote from Geico, make sure that to ask about reductions. There are quite a few methods to save lots of on protection.
| Geico Insurance coverage Reductions | Eligibility Particulars |
|---|---|
| Multi-Coverage Low cost | Get a reduction whenever you bundle house and auto insurance coverage or one other sort of protection. |
| Multi-Car Low cost | Save as much as 25% whenever you add a second car to your coverage. |
| Good Scholar | Save as much as 15% for sustaining a excessive grade level common. |
| Good Driver | Save as much as 26% whenever you stay accident-free. |
| Driver’s Schooling Course | Decrease your Geico auto insurance coverage premium by taking a driver coaching course. |
| Defensive Driving Course | Decrease your premium by taking a defensive driving course. |
| New Car Low cost | Earn as much as 15% off by insuring a brand new automobile with Geico. |
| Navy Low cost | Earn as much as 15% off to your army affiliation. |
| Emergency Deployment | Save as much as 25% if you end up deployed with the army. |
| Federal Worker Low cost | Save as much as 8% on automobile insurance coverage as a federal worker. |
| Membership and Worker Low cost | Save on an insurance coverage coverage as a member of sure skilled and alumni associations. |
| Security Options | Obtain reductions for having air luggage (25 to 40%), anti-lock brakes (5%), anti-theft techniques (25%), and daytime operating lights (1%) in your car. |
| Seat Belt Use | Earn as much as 15% off MedPay or PIP protection by driving safely. |
To learn the way a lot you’ll pay for automobile insurance coverage, name our designated quotes staff at (844) 246-8209 or enter your zip code beneath.
Geico Auto Insurance coverage Evaluations And Rankings
Geico has robust evaluations for its straightforward claims course of and useful customer support. There are over 13,000 Geico auto insurance coverage evaluations on the insurer’s personal web site, which common 4.5 stars.
The insurance coverage firm tied for third place on J.D. Energy’s 2020 U.S. Auto Claims Satisfaction ResearchSM, incomes 871 out of a attainable 1,000 factors. The examine was based mostly on responses from greater than 11,000 automobile insurance coverage prospects who settled claims within the earlier six months. Within the J.D. Energy 2020 U.S. Auto Insurance coverage Satisfaction ResearchSM, Geico got here in first place within the North Central and Northwest areas for buyer satisfaction.
“I’ve used Geico for the final [seven] years, they usually have finished an incredible job for me. No points with claims. No reactive charge hikes after claims. Nice communication. I might suggest this firm.”
-Mark C. by way of BBB
“I’ve been with this insurance coverage firm for [nine] years now, they usually have all the time been so nice to work with! They assist each time I name and are all the time so pleasant. I’m proud to name them my insurance coverage firm. After I was in my first accident, they made the entire course of really easy and obtained me right into a rental inside the subsequent enterprise day.”
-C.J. Fritz by way of BBB
Whereas Geico has optimistic feedback from prospects total, the corporate has obtained some complaints in Geico auto insurance coverage evaluations too.
“Horrible firm should you ever must file a declare… When it was decided that six months later that an engine failure was probably as a result of earlier harm to work finished underneath [a] earlier declare, they had been completely unresponsive. They refused to even come and see the car harm on the dealership.”
-Toure P. by way of BBB
“Geico actually takes [their] time with dealing with claims. Chances are you’ll get monetary savings with Geico, however you waste numerous time. I responded to a ridiculous whole loss quantity for my automobile (barely half of what I paid for [the] car and never even half of what [it was] valued at) at 11:00 AM and was advised that he would assessment every thing on Tuesday. Immediately is Friday!”
-Brittaney P. by way of BBB
Geico Auto Insurance coverage Apps
With Geico Cellular, you may view insurance coverage paperwork, pay payments, file claims, and request roadside help. Greater than two million reviewers give the app a 4.8-star score within the App Retailer. Relying in your plan, the app additionally has the performance to schedule harm inspections, leases, and repairs.
Geico’s different app is DriveEasy®, a usage-based driving program that grew to become out there in some states in 2019. The app tracks issues like distracted driving, laborious braking, and time spent on the street. Not like Progressive’s Snapshot, it might probably’t elevate your automobile insurance coverage charges, however it might probably decrease them. The app solely has a 2.3-star score within the App Retailer, with unfavorable Geico insurance coverage evaluations noting that their telephone battery life is considerably lowered whereas utilizing the app.
Up to now, DriveEasy is offered within the following states:
Arizona | Colorado | Connecticut |
| District of Columbia | Florida | Illinois |
| Indiana | Iowa | Louisiana |
| Kentucky | Maryland | North Carolina |
| Nevada | New Jersey | New Mexico |
| Ohio | Oklahoma | Oregon |
| Pennsylvania | Tennessee | Texas |
| Utah | Virginia | Wisconsin |
Our Take On Geico: 4.5 Stars
We charge Geico 4.5 out of 5.0 stars and named it the Greatest Total in 2021. The insurance coverage firm’s low cost charges and easy claims make it a wise alternative for many drivers. Geico auto insurance coverage evaluations are optimistic, indicating a dependable claims course of and helpful protection.
| Geico Execs | Geico Cons |
|---|---|
| Many decisions for protection | Common quotes course of |
| Excessive degree of buyer satisfaction | Utilization-based app not out there in all states |
| Superior monetary energy score and A+ score from the BBB | |
| Obtainable in 50 states |
Different Really useful Suppliers
Whereas Geico is a dependable possibility for many drivers, we encourage getting quotes from a number of suppliers so you may evaluate protection and charges. Along with the insurance coverage firm you select, components reminiscent of your age, car make and mannequin, and driving historical past can have an effect on your premium, so what’s greatest to your neighbor won’t be greatest for you.
In case you’re on the lookout for a couple of extra insurance coverage corporations to match with Geico, try USAA, Progressive, and State Farm.
- USAA: This firm is the best choice for army members and their households for its complete protection and advantages, nice charges, and wonderful customer support. Be taught extra in our full USAA auto insurance coverage assessment, or examine USAA vs. Geico to match the highest suppliers.
- Progressive: Insurance coverage via Progressive can also be inexpensive for a lot of drivers throughout the U.S. Plus, Progressive has an incredible cell app and buying expertise with its quotes comparability device. Learn our full Progressive auto insurance coverage assessment to study extra.
- State Farm: This insurer has extra prospects than some other automobile insurance coverage firm within the nation – and it’s nice for younger drivers. In our State Farm auto insurance coverage assessment, we acknowledged the supplier for its pupil driving applications that may prevent cash.
To start out evaluating customized automobile insurance coverage quotes, name (844) 246-8209 or enter your zipcode beneath.
Methodology
In an effort to offer correct and unbiased info to customers, our professional assessment staff collects knowledge from dozens of auto insurance coverage suppliers to formulate rankings of the very best insurers. Firms obtain a rating in every of the next classes, in addition to an total weighted rating out of 5.0 stars.
- Business Standing: Insurers with robust monetary scores and customer-first enterprise practices obtain the best scores on this class.
- Availability: We contemplate availability by state in addition to exclusions for particular teams of drivers.
- Protection: This score is predicated on kinds of insurance coverage out there, most protection limits, and add-on insurance policies.
- Value and Reductions: Our analysis staff evaluations auto insurance coverage charge estimates generated by Quadrant Data Companies for quite a lot of drivers in each state. Firms with decrease costs and plenty of automobile insurance coverage low cost alternatives obtain the very best scores.
- Buyer Service: We comb via buyer evaluations and shopper suggestions research from specialists like J.D. Energy.
- Know-how: Auto insurers with cell apps, superior on-line providers and telematics usually tend to meet shopper wants.
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