Geico Insurance Review 2019

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About Geico Insurance

Geico is the second-largest auto insurer in the country, after State Farm. It sells mainly personal auto insurance, with other business in marine insurance, commercial auto insurance and other types. You can buy homeowners, renters, business insurance and other coverage types through the Geico Insurance Agency, but the policies will come from other companies.

The name Geico stands for Government Employees Insurance Co.

Geico is owned by Berkshire Hathaway, a large conglomerate with ownership in other well-known companies such as Dairy Queen, Duracell, Fruit of the Loom, Oriental Trading Co., See's Candies and many more.

Geico customers with an Amazon Echo or Google Assistant can use the devices to get an account balance, pay a bill, send insurance ID cards and more. The Geico mobile app can provide all those things, plus help report and track a claim, find parking, see nearby gas prices and more.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Company subsidiaries
Geico contact information

Geico auto insurance customer satisfaction ratings

We asked current Geico car insurance customers to rate the company on several measures. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best car insurance companies survey.

Would you choose Geico again?

As another measure of satisfaction, we asked current Geico auto insurance customers if they would choose the company again.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Would you choose Geico again?

Geico car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between Geico and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
Geico $1,802

Does Geico have what you want?

Do you want special features in a car insurance policy? Here's a look at what Geico offers as add-ons or as separate policies:

Website & app

We asked Geico auto insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints against Geico

Complaints about Geico car insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. 


American Family complaints

Geico car insurance discounts

Here are some of the Geico auto insurance discounts offered, based on our review of state insurance filings. Discount details may change among states, and might not be available in all states or from each Geico subsidiary. Also, some vehicles may be ineligible for certain discounts, like motorcycles and antique cars.


Geico discounts related to the drivers

  • Good driver.
  • Student away.
  • Good student (for students age 16 to 24 who has a B average or above, is ranked in the top 20% of their class, or other criteria).
  • Deployed driver.
  • Continuous insurance.
  • Military.
  • CDL (for those with a commercial driver's license).
  • Defensive driver (for those age 50 or 55, depending on the state, who complete an approved course).
  • Membership in one of many organizations such as alumni associations and professional organizations.



Geico discounts related to the vehicle

  • New vehicle.
  • Extra vehicle.
  • Seat belt.
  • Anti-lock brake.
  • Anti-theft.
  • Restraint discount (for air bags).

Geico discounts related to the purchase

  • Multi-vehicle.
  • Multi-line.
  • E-banking.

Companies within Geico Corp.

Geico's subsidiaries include:

  • GEICO Indemnity Company
  • GEICO Casualty Co.
  • Government Employees Insurance Co.
  • GEICO General Insurance Co.
  • GEICO Insurance Agency
  • GEICO Advantage Insurance Co.
  • GEICO Choice Insurance Co.
  • GEICO Secure Insurance Co.
  • Boat America Corp.
  • GEICO Marine Insurance Co.
  • Boat Owners Association of The United States
  • GEICO County Mutual Insurance Co. (Texas)

Source: S&P Global Market Intelligence

Geico contact information

Headquarters:
5260 Western Avenue
Chevy Chase, MD 20815
website
Customer service: (800) 207-7847
Claims: (800) 841-3000

Methodology

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Geico in January 2019. The survey was not open to the public on EverQuote.com. 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Updated March 15, 2019

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