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GEICO Car Insurance Review

19 Customer Comments & Reviews - see all comments
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Headquartered in Chevy Chase, Maryland, GEICO is an auto insurance company with over 80 years of experience in the business. Since its inception in 1936, the company has grown to become the second-largest passenger auto insurer in the United States. It now insures over 17 million policyholders and more than 28 million vehicles.
 
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How Do We Rate GEICO?

Breakdown

4.5/5
Coverage
5.0/5
Financial Strength
0.0/5
Supplemental Coverage
5.0/5
Pricing & Discounts
5.0/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Our Overall Rating: 4.7 / 5 (Excellent)

GEICO policies are backed by the formidable financial strength of Berkshire Hathaway. The company is well known for its low prices and numerous discounts. It offers an excellent range of discounts for government employees, military service members, students, safe drivers, new customers, and more. GEICO policyholders can manage their insurance policies, premiums, and claims online or through its dedicated mobile app.

For these and other reasons, GEICO policyholders are among the most brand-loyal in the country. The company is an excellent choice for those seeking an auto insurer with reasonable premiums and a focus on customer service

GEICO Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost

Coverage - 4.5 / 5

In line with market standards, GEICO offers comprehensive physical damage insurance in addition to the standard coverages for liability, personal injury, medical payments, collision, and accidents caused by un- and underinsured motorists.

Add-on coverages such as road service, rental reimbursement, and mechanical breakdown insurance are also available.

Coverage Fine Print

Mobile App

24/7 Claims Agents Available

Customer Experience

National Association of Insurance Commissioners

NAIC Total Complaints 2020
297

Customer Ratings

Trust Pilot Rating
2.1 out of 10
BBB Rating
A+
Date Collected
2020-05-12

Claims Satisfaction & Customer Experience - 5 / 5

GEICO is the second-largest insurer of passenger motor vehicles in the United States. The company has an A+ rating with the Better Business Bureau and a 2.1/5 score on Trust Pilot. In an industry where customer comments skew negative across the board and where the other two top three auto insurance carriers score 1.8 and 2.6 out of 5, this is neither surprising nor alarming.

Another look at GEICO's customer satisfaction is provided by its NAIAC complaint ratios. For 2019, GEICO scored a 1.14, meaning that the company received just 1.14 times the average number of complaints for US auto insurance carriers.

In surveys conducted by Kanbay Research, GEICO received high marks for its customer service focus and for its staff training and development. In 2029, Brand Keys found that GEICO customers were among the most loyal in the auto insurance industry.

Financial Strength

Key Details

Underwriter
Berkshire Hathaway Group
Marketshare
17.0%
AM Best Financial Rating
A++
Moody's Financial Rating
Aa1
Standard & Poor's Financial Rating
AA+

Financial Strength - 5 / 5

GEICO, a subsidiary of multinational conglomerate Berkshire Hathaway, maintains impressive scores with the leading U.S. credit rating agencies, including the highest (A++) rating with A.M. Best. These high financial ratings combined with the company's 17% US market share for private passenger auto insurance make GEICO one of the most financially stable insurers operating today.
*The above information reflects the financial strength of the underwriter of the GEICO car insurance policies: Berkshire Hathaway Group.

Pricing & Discounts

Per Mile Pricing Available?

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Student
  • Bundled Policy

Pricing & Discounts - 5 / 5

GEICO markets itself as a highly affordable auto insurance option. The company offers discounts for multiple vehicles, safe drivers, vehicle safety, bundled policies, airbags, and more. GEICO also continues to provide additional savings for active and retired military members, as well as other government employees. Similarly, the company extends further membership discounts and employee benefits to over 500 groups, including customized products, immediate coverage, and 24-hour service. GEICO policies are among the most affordable in the industry.

Discounts Fine Print

Defensive Driver Discount - Clients can save on premiums by completing a defensive driving course.

Driver's Education - Young drivers can earn a discount on most coverages by completing a driver's education course.

Emergency Deployment - Discounts of up to 25% on auto insurance for United States military policyholders deployed as members of the Enduring Freedom or Iraqi Freedom operational forces.

Military - Up to 15% off on total car insurance premiums for active duty and retired military service members.

Federal Employee (Eagle Discount) - Active or retired federal employees can get up to 8% off their total auto insurance premium.

Contact & Additional Information

Homepage URL
https://www.geico.com
Company Phone
(800) 207-7847
Headquarters Address
One GEICO Plaza, Bethesda, MD, 20810
Year Founded
1936

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19 Customer Comments & Reviews

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Debbie M
3/26/2019
I was a customer of geico for 6 years. I asked for a better premium many times from them. they could not compete. I found other insurance. I cancelled a month after my renewal and they charged me 10% of my total premium which was $750 dollars. they did not respect my loyalty and business which i gave them for 6 years and basically stole my money. They will not give it back. Just because its in their contract doesn't mean its a good idea to treat your customers like that. Very unfair. I'm very dis satisfied. I call them thieves since they are taking money they did not earn.

Harry T
3/11/2019
Got into an accident with a Geico covered driver. He claims I turned right into him from center lane while he was in right lane. Actual story: we were both in right lane with him behind but he tried to get ahead of me by getting onto right shoulder to speed ahead. Unfortunately he didn’t see there was already someone sitting on the shoulder until too late so to avoid directly rear ending THAT driver, he turns left into me. Police arrived to take report with one officer taking statements from other driver and her partner getting my statements. When I went to pick up police report, I saw none of my statements were on it so I proceed to get report amended. The bad (Very bad): J. Toscano... Read More

Ahmad L
2/21/2019
Is bad company and just take money and do not give anything and bad customer service.

M
Maggie
1/1/2019
Hello, recently I became geicos customer, I’m extremely disappointed how agent lied to me, he calculated price based on my information and gave me a monthly payment amount, after first month I received almost double monthly payment, based on the same information. I’m very mad and not recommend anyone your service!

Jacinda L
1/25/2018
I’ve had Geico for 5 years. One old car is insured with liability and a new truck with full coverage. My husband got one speeding ticket a couple of months ago, 64 in a 55, And our Insurance went up $23 a month! One ticket in 5 years, nothing else. No accidents, nothing! I’m getting quotes from other companies now. We didn’t receive one decrease in the price of our policy for all those years with a good driving record but they are sure willing to raise it fast!

T
tlvpav
12/22/2017
This has been a nightmare for me. A month has gone by, they just started a claim against the uninsured driver who hit MY parked car, and they say I don't have basic insurance coverage ? I'm making double car payments now, when this uninsured driver totalled my car !!

Be Y
11/23/2017
I was with Geico for years and had no issues until my car got stolen. One of the worst experiences I had with them. They made me wait for days with no vehicle to rent a car and I had the rental coverage. My claims agent hardy EVER answered and had to leave constantly leave a messages. They were very unorganized giving me contradicting information. Then once they found my car I asked if I could buy it back, they were rude and immediately told me NO as my claim was closed. They told me two different things and completely shut me off. Horrible experience. They took my money for years but once I had to submit a claim they completely changed for the worst.

Barbara H
11/22/2017
Geico took advantage of my young daughter who is just starting out in life. They talked her into closing a claim before she should have.

A
Allison
1/6/2017
Excellent customer service and have always been a great help for us when things have gone wrong with vehicles

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