GEICO Review
By Itai Varochik | Last updated February 1, 2026
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Our Verdict
GEICO is ideal for price-conscious drivers who are comfortable managing their insurance digitally. If you want the lowest rates and a top-tier mobile app, GEICO delivers. For personalized agent relationships or complex coverage needs, look elsewhere.
GetASearch Score: 8/10
Rating: 4.2/5 (3800 reviews)
Pros
- Competitive rates
- Great mobile app
- Quick online quotes
- Strong brand
Cons
- Limited agent network
- Fewer bundling options
- Claims satisfaction average
- Limited non-auto products
Score Breakdown
| Criteria | Score |
|---|---|
| Features | 7.0/10 |
| Ease of Use | 9.0/10 |
| Value for Money | 9.0/10 |
| Customer Support | 7.0/10 |
| Overall | 8.0/10 |
What is GEICO?
GEICO (Government Employees Insurance Company) is the second-largest auto insurer in the United States, insuring over 17 million policies. Founded in 1936 to serve government employees and military personnel, GEICO is now a Berkshire Hathaway subsidiary open to all drivers and known for its competitive rates and digital-first experience. GEICO's primary advantage is pricing. The company's direct-to-consumer model eliminates agent commissions, allowing it to offer rates that are frequently 15-20% below the industry average. The online quote process takes about 8 minutes and provides a bindable rate immediately. Discounts are plentiful: multi-policy (bundling auto with homeowners), good driver, military, federal employee, good student, anti-theft device, and defensive driving course discounts can stack significantly. The GEICO mobile app is among the best in the insurance industry. You can file claims, upload photos of damage, track claim status, access your digital ID card, request roadside assistance, and make payments - all without calling an agent. The app consistently rates 4.8+ stars across app stores. However, the flip side of this digital-first approach is that complex claims or coverage questions can be harder to resolve without a dedicated local agent. Coverage options include standard auto, motorcycle, RV, boat, homeowners (through partners), renters, umbrella, and life insurance. GEICO's auto coverage includes liability, collision, comprehensive, medical payments, uninsured motorist, and rental reimbursement. Rideshare coverage for Uber and Lyft drivers is also available in most states. Claims processing is generally efficient, with the company's adjusters available 24/7. GEICO's network of auto repair shops (GEICO Auto Repair Xpress) can streamline the repair process. However, J.D. Power customer satisfaction surveys have historically ranked GEICO in the middle of the pack for claims satisfaction - below USAA, Amica, and Erie but above most national carriers. The main limitation is the lack of local agents for personalized advice. If you prefer a dedicated agent who knows your situation, State Farm or Allstate may be better fits. GEICO also doesn't offer as many niche coverage options as some competitors, and bundling discounts, while available, are less integrated since home and life policies are underwritten by partner companies.
GEICO Features
| Feature | Available | Description |
|---|---|---|
| Online Quotes | Yes | Quick online pricing |
| Mobile Claims | Yes | File claims via app |
| Discounts | Yes | Multiple discount programs |
GEICO Pricing
Varies by coverage
Best For
- Auto insurance shoppers
- Price-conscious drivers
- Digital-first customers
- Good driving records
Final Verdict
GEICO is ideal for price-conscious drivers who are comfortable managing their insurance digitally. If you want the lowest rates and a top-tier mobile app, GEICO delivers. For personalized agent relationships or complex coverage needs, look elsewhere.