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Last Updated on January 6, 2026
GEICO (the Government Employees Insurance Company) is one of the largest auto insurers in the U.S. and a member of the Berkshire Hathaway family of companies. Founded in 1936, GEICO is best known for competitive pricing, a strong digital experience, and the ability to buy and manage a policy without visiting a local office.
If you’re comparing insurers, GEICO is worth a quote—especially if you’re a safe driver, want straightforward coverage options, or prefer handling everything online. For a deeper look at pricing, see our breakdown of GEICO auto insurance average cost.
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Bottom line: GEICO is an excellent choice for drivers who want competitive pricing, fast online service, and nationwide coverage, but it offers less personalized agent support than some competitors.
GEICO consistently ranks among the most affordable auto insurers in the U.S. and stands out for its streamlined online quoting, policy management, and claims tools. While coverage options are solid and widely available, drivers who prefer hands-on, local agent relationships may find GEICO’s direct-to-consumer model less appealing.
| Best For | Digital-first drivers, price shoppers, many safe-driver profiles, and households looking for a well-known national insurer |
| Not Ideal For | Some high-risk drivers (recent DUI/major violations), or drivers who strongly prefer working with a dedicated local agent |
| Standout Features | DriveEasy telematics, strong mobile app, optional accident forgiveness, and mechanical breakdown insurance for eligible vehicles |
| Availability | All 50 states and Washington, D.C. (some coverages/discounts vary by state) |
| Insurance Panda Rating | 4.4 / 5 |
GEICO offers the core coverages most drivers expect from a major insurer. Your exact options depend on your state, your vehicle, and whether the car is owned, financed, or leased.
Beyond the basics, GEICO offers several add-ons and specialty coverages that can be useful depending on how you drive, what you drive, and how your vehicle is financed.
If you finance or lease a newer vehicle, you’ve probably heard of gap coverage. Gap insurance is designed to help cover the difference between what your car is worth and what you still owe if the vehicle is totaled or stolen.
Important: If you’re specifically shopping for gap coverage, review our update on GEICO gap insurance before you buy.
GEICO is one of the larger insurers that offers mechanical breakdown insurance (MBI) for eligible vehicles. It’s closer to an extended-warranty style product than “standard” car insurance and can help with covered mechanical repairs after your manufacturer warranty expires. See our full breakdown of GEICO mechanical breakdown insurance.
If you drive for Uber, Lyft, or another rideshare company, you may have coverage gaps during certain driving “periods” unless you add a rideshare endorsement or buy a specific policy. Start with our overview of rideshare insurance and personal auto coverage, then check state availability and options in our guide to GEICO rideshare insurance.
GEICO offers optional roadside assistance (help with common breakdown-related services) as well as rental-related coverages. If you’re considering these add-ons, start here: GEICO roadside assistance and GEICO rental car insurance.
GEICO can be a good fit if you don’t own a vehicle but still need liability coverage (for frequent borrowing or rentals). Learn how GEICO non-owner car insurance works.
GEICO also sells coverage for many drivers who need an SR-22 (or in some states an FR-44) filing. Here’s our guide to GEICO SR-22 insurance.
Like most major insurers, GEICO offers a long list of discounts, but not every discount is available in every state. Many discounts also require documentation or verification (student status, military status, course completion, etc.).
There’s no single “GEICO price” that applies to everyone. Your premium is influenced by where you live, your driving history, your vehicle, your coverage limits, deductibles, and (in many states) insurance-based credit scoring.
To get your bearings, it helps to compare your quote to broader benchmarks like what the average American spends per month on car insurance. Also, geography matters a lot—rates in high-cost markets like Florida can look dramatically different than lower-cost states like Idaho.
Bottom line: GEICO is frequently competitive for many driver profiles, but you should still shop at least 3 quotes—especially if you’re renewing after a claim, adding a teen driver, moving, or buying a newer vehicle.
Price is important, but it’s not the only factor. When you’re choosing an insurer, pay close attention to claims experience, financial stability, and complaint data—especially if you’re buying higher coverage limits or want a smoother claims process.
J.D. Power studies: J.D. Power publishes major studies on customer satisfaction and claims satisfaction. If you’re new to these reports, start with our explainer on how J.D. Power auto insurance rankings work. You can also view the most recent press release for the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study.
Financial strength: GEICO points customers to major financial strength ratings (including A.M. Best and S&P). If you want a broader explanation of what these grades mean, read our overview of A.M. Best ratings and our guide on how to make sure your insurance company is financially stable. You can also review GEICO’s own summary here: GEICO financial strength.
Complaint data and NAIC: The National Association of Insurance Commissioners (NAIC) assigns each insurer a unique identifier. If you ever need it for a form, claim, or complaint, see our guide to finding an insurer’s NAIC number.
GEICO is built for customers who want to do things quickly online. You can still buy by phone, but the online quote process is typically the fastest way to compare coverages and adjust deductibles.
New vehicle grace period: If you’re an existing customer buying a new car, GEICO may allow a short window to add it to your policy. Details can vary, so review our guide to the GEICO new car grace period.
Most GEICO claims can be started online or in the mobile app, and you can also file by phone. If you’re in an accident, prioritize safety first, call emergency services if needed, and document the scene (photos, driver details, witness info).
GEICO is a strong option for many drivers who want a big-name insurer with competitive pricing and excellent online tools. If you have a clean record, qualify for multiple discounts, or simply prefer a digital-first insurer, GEICO is often worth shortlisting.
That said, rates can change quickly after claims or violations, and the “best” insurer depends on your exact profile. The smartest move is to compare coverage apples-to-apples, then choose the company that offers the best mix of price, service, and claims experience for you.
Here are GEICO’s commonly listed contact numbers (always verify inside your policy documents or GEICO account for the most accurate contact options):
