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Insurance Reviews

Geico Insurance review 2025

R.E. Hawley Written by
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Bankrate's take

Nationwide availability, low rates and options for drivers with a wide range of risk profiles could make Geico a strong option for many drivers seeking affordable auto insurance coverage. However, Geico only underwrites its auto coverage, so customers seeking a one-stop-shop for auto, home and life insurance may want to look elsewhere.

Bankrate Score

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4.3
Rating: 4.3 stars out of 5
Bankrate Score

Bankrate award winner

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  • Auto
    Avg. annual premium for full coverage $2,200
    Avg. annual premium for min coverage $596
    Home
    Avg. annual premium for $300k dwelling coverage N/A
    Avg. annual premium for $750k dwelling coverage $4,375
    Insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available. These are sample rates for comparative purposes only. Your quotes will differ.
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    Rates updated as of Sep 2025
    Read our full methodology

Table of contents

Geico car insurance review

Geico offers affordable rates to a variety of drivers, even those with checkered driving records. While you're never guaranteed a policy, Bankrate found that Geico is willing to work with high-risk drivers and offers them competitive rates compared to other major insurers — which helped it earn the 2025 Bankrate Award for Best Car Insurance Company for High-Risk Drivers.

Geico doesn't just offer low rates to high-risk drivers, safe drivers may find significant savings with Geico, too. According to Bankrate's analysis of average rates from Quadrant Information Services, a full coverage policy from Geico costs 18 percent less than the national average. And that's without factoring in its lengthy list of discount opportunities. However, Geico's insurance offerings are fairly simple and may not offer robust enough coverage for all drivers. Some key coverage types, like gap insurance, are not available.

Pros and cons of Geico car insurance

If you’re comparing auto insurance rates, considering Geico’s pros and cons might help aid your decision.

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Pros

  • Average rates are lower than the national average
  • Average rates for drivers with an at-fault accident may be more affordable than competitors
  • Ranked above-average for customer service by J.D. Power in most regions
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Cons

  • May have limited local agencies for those who want in-person support
  • No gap insurance
  • Below-average J.D. Power scores for claims and digital service experience
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Geico car insurance cost

Based on Bankrate’s study of rate data from Quadrant Information Services, Geico is one of the average cost of car insurance which is $2,671 per year for full coverage.

How much is Geico car insurance?

Your driver profile — which encompasses rating factors like your driving record, credit history (in most states) and age — gives Geico a basis for calculating your financial risk as a driver. While most driver profiles receive comparatively low rates from Geico, high risk factors like poor credit or moving violations typically correlate with higher premiums.
Good driver, good credit
$2,200
$2,697
$3,268
$4,745
$2,623
$3,299
$3,090
$3,862
$4,681
$5,287
*All rates displayed are average annual rates.
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available. These are sample rates for comparative purposes only. Your quotes will differ.
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Rates updated as of Sep 2025
Read our full methodology

Geico car insurance quotes by age

The age of a driver and the years of driving experience they’ve accumulated may also play an important role in determining car insurance rates. Young drivers and those who are newly licensed typically pay more for car insurance than drivers with more years of experience behind the wheel. car insurance quotes.

For younger drivers, staying on a parent’s policy can keep rates low. The rates shown below are based on a clean driving record.
$4,655
$5,740
$3,996
$4,941
$4,260
$5,448
$2,551
$3,326
$2,269
$2,877
$2,200
$2,697
$2,083
$2,439
$2,200
$2,697
$2,083
$2,439
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
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Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available. These are sample rates for comparative purposes only. Your quotes will differ.
Auto Car New Icon
Rates updated as of Sep 2025
Read our full methodology

Compare Geico car insurance rates

Geico’s average car insurance rates are below the national average — but that doesn’t mean that Geico will offer the cheapest rates for every driver. Comparing personalized quotes can help you determine whether Geico or another carrier offers the lowest prices for your profile, but the table below may act as a starting place for your shopping process.
$2,200
$596
$2,711
$918
$2,214
$742
$3,390
$996
$2,201
$636
$2,040
$718
$3,106
$983
$2,225
$716
$2,269
$745
$1,921
$509
$2,040
$718
$3,106
$983
$2,225
$716
$2,269
$745
$1,921
$509
*All rates displayed are average annual rates.
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Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available. These are sample rates for comparative purposes only. Your quotes will differ.
Auto Car New Icon
Rates updated as of Sep 2025
Read our full methodology

Geico customer satisfaction

Bankrate’s insurance editorial team looked at third-party ratings from J.D. Power and the National Association of Insurance Commissioners (NAIC) for insight into Geico’s customer satisfaction. In J.D. Power’s auto insurance studies, Geico’s performance is mixed, suggesting some pain points for customers. The NAIC Complaint Index, on the other hand, shows a comparatively low rate of formal customer complaints relative to Geico’s large market share.

Geico auto claims satisfaction

Geico's scores in the 2024 U.S. Auto Claims Satisfaction Study, Geico landed below the industry average.

Geico auto insurance customer complaints

NAIC complaint index indicates whether an insurer’s complaint rates are higher or lower than the industry baseline of 1.00. Scores below the baseline correlate with a low number of complaints relative to the company’s market share.

With a 2024 NAIC complaint index of 0.53 for private passenger auto insurance, Geico has fewer complaints on average for a company of its size.

Geico car insurance discounts

Geico policyholders have access to numerous potential discounts that may help them save on car insurance. Some discounts include:

  • Membership and employee discounts: You may be eligible for a discount if you are a member or employee of a participating affiliate company or organization.
  • Military discounts: Both active duty and retired military policyholders, as well as members of the National Guard or Reserves, may save up to 15 percent on Geico auto insurance.
  • Emergency deployment discounts: Geico provides up to 25 percent off car insurance for service members who experience an emergency deployment.
  • DriveEasy safe driving discount: This usage-based telematics program tracks participating members' driving habits and may offer premium discounts to safe drivers.
  • Multi-vehicle discount: Geico may extend a discount to policyholders who insure multiple vehicles on the same policy.
  • Good student discount: Full-time students who maintain a strong academic record may receive a discount of up to 15 percent.
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