Table of Contents In this article

Why You Can Trust CNET Money

Our mission is to help you make informed financial decisions, and we hold ourselves to strict . This post may contain links to products from our partners, which may earn us a commission. Here’s a more detailed explanation of .
Editorial Guidelines

Writers and editors and produce editorial content with the objective to provide accurate and unbiased information. A separate team is responsible for placing paid links and advertisements, creating a firewall between our affiliate partners and our editorial team. Our editorial team does not receive direct compensation from advertisers.

How we make money

CNET Money is an advertising-supported publisher and comparison service. We’re compensated in exchange for placement of sponsored products and services, or when you click on certain links posted on our site. Therefore, this compensation may impact where and in what order affiliate links appear within advertising units. While we strive to provide a wide range of products and services, CNET Money does not include information about every financial or credit product or service.

Advertiser Disclosure

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

Geico Car Insurance Review

Geico's insurance prices boast being hundreds of dollars lower than their competition. Here's how the insurance carrier stacks up.

  • Competitive rates
  • Lower premiums for those with speeding tickets and at-fault accidents
  • Bundling with home insurance available
  • Accident forgiveness
  • Discounts available for safe drivers
  • High customer satisfaction and few complaints
  • No bundling with life insurance
  • Home and life policies can’t be obtained through Geico’s mobile app
  • No gap insurance

Geico is known for extensive coverage, low prices and high satisfaction with its customer service. If you’re currently shopping around for car insurance, it might be good to check in with this carrier.

Owned by Berkshire Hathaway, Geico is offered in all 50 states, plus Washington, DC. This carrier stands high above its competitors for many reasons, but its low rates and great customer satisfaction are chief among them. Combine this with award-winning digital features and a low number of complaints nationally, and you’ve got a real winner. That’s why Geico makes it into many of our best car insurance lists here at CNET.

Understanding what this carrier offers, and comparing it with the competition, is essential when shopping for car insurance. While Geico has numerous perks on its side, there are significant drawbacks that might not make it the right choice for you.  

Here’s our review of Geico for 2022.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.

Pros of using Geico

Affordable rates combine with great customer service and award-winning digital features to make Geico a top-notch insurer. Geico’s robust list of discounts can make your policy even more affordable. And though its list isn’t necessarily longer than other major insurers, Geico is more transparent about how much you could save with each discount. Geico also offers just about all the major types of coverage you’ll want to consider when choosing a policy. Add life and home insurance to that, and you could have a one-stop shop for all of your insurance needs. 

Cons of using Geico

Geico doesn’t actually underwrite its own home and life insurance policies, and instead works with nonaffiliated partners to offer home and life policies. As a result, its home and life insurance policies aren’t available through Geico’s mobile app, diminishing the app’s one-stop shop appeal. And while you can get a bundling discount for getting your home and car insurance through Geico, its life insurance policy isn’t eligible for a bundling discount.

Additionally, though Geico offers just about every major car coverage type, it doesn’t offer gap insurance, which you may want if you’re financing your vehicle. Gap insurance helps you pay in the event an accident leaves your car badly damaged or totaled, covering the difference between what your vehicle’s market value is and the amount you owe on it.

Geico car insurance coverage

Here are the major coverage types Geico offers:

  • Bodily injury liability protection: This coverage pays for injuries to others caused by the policyholder and other drivers listed on the policy. Bodily injury liability protection is required in most states.

  • Property damage liability protection: This coverage pays for damage that policyholders cause to another’s property. Most prominently, this is aimed at other cars, but it can also include other personal property such as fences or mailboxes. Property damage liability is required in all US states.

  • Personal injury protection: This coverage pays for the medical costs and lost wages of the driver and passengers of the policyholder’s car if injury occurs, up to the policy’s limits, regardless of fault. PIP may also include coverage for funeral expenses and essential services, like childcare or dog-walking, that you may be unable to perform due to physical injuries. PIP is mandatory in 14 states: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah.

  • Uninsured or underinsured motorist coverage: This coverage pays for your and your passengers’ medical expenses up to the policy’s limits when an underinsured or uninsured motorist causes an accident. Uninsured motorist property damage is available in some states to help cover repairs to your vehicle if damaged by an uninsured driver.

  • Medical payments: Similar to PIP coverage, medical payments help pay for medical costs of the policyholder and their passengers up to the policy limit, regardless of fault. However, unlike PIP, medical payments do not cover lost wages or essential services. Med Pay is an optional coverage in most states, but it is required in a few states. 

  • Collision coverage: This coverage pays for damage to your vehicle in an accident resulting from a collision between your car and another car or an object.

  • Comprehensive coverage: This coverage pays for damage to your car caused by an event other than collision. This includes theft, fire, flood, hail, vandalism and more.

Other add-ons offered at Geico:

  • Roadside assistance
  • Accident forgiveness
  • Rental reimbursement
  • Mechanical breakdown insurance

Geico insurance cost

A key benefit of signing a policy with Geico is the carrier’s lower-than-average rates. Clocking in at hundreds of dollars less than the national average, Geico’s average annual full coverage premium for drivers with a clean record is $1,297, which comes out to $108 monthly, according to Bankrate. In contrast, the national average is $1,771, annually. What we like most about Geico’s low rates is that you can still save money, even if you have an at-fault accident on your record or recently received a speeding ticket. Even without a clean driving record, average rates are still over $400 cheaper at Geico compared to the national average.

Geico Premium Prices

Geico average annual full coverage premiumNational average annual full coverage premium
Clean driving history$1,297$1,771
One speeding ticket$1,586$2,138
At-fault accident$1,900$2,531


Have you gone five years accident free? That’s a discount. Does your car have an anti-theft system? That’s another discount. Are you in the military or are you a veteran? You can scoop a discount for that, as well.

Geico has a robust list of discounts that may help bring your premiums down. Combine these discounts with already low rates, and you’re likely to save money with the coverage you want when you’re on the road.

Notable car insurance discounts and savings through Geico include:

  • Good student discount: 15%
  • Anti-lock brakes: 5%
  • New vehicle discount: 15%
  • Good driver: 22%
  • Military discount: 15%
  • Emergency deployment discount: 25%
  • Multi-vehicle discount: 25%

Customer satisfaction and complaints

These low premiums come with great customer satisfaction, too. J.D. Power Surveys show that overall customer satisfaction levels are high for Geico in all regions of the country. Auto claims satisfaction is particularly high for this carrier, at 881 out of 1,000, compared to an industry average of 880.

Geico touts a low number of complaints nationally. The carrier is indexed at 0.58 complaints from the National Association of Insurance Commissioners. (1.00 is the industry average; 2.00 index would mean a company gets twice the complaints). Geico’s number is lower than most other major national car insurance providers. 

Geico customer satisfaction and complaints scoring for 2022

A.M. BestA++
J.D. Power Auto Claims Satisfaction881 out of 1,000
NAIC Complaint Index0.69

Telematics program

DriveEasy, Geico’s telematics program, monitors your mileage and driving habits via the Geico mobile app. This telematics program assesses your driving by analyzing factors such as your speed, hard breaking and phone use while driving. If you establish a history of good driving, you may be eligible for safe driving discounts. On the DriveEasy dashboard, you can quickly see your good driving streak, score and your last trip details.

Other features and awards

The Geico mobile app offers access to nearly everything you’ll need from your insurance provider. This app lets you quickly call roadside assistance, pull up a copy of your insurance card, get a new quote, report a claim and more.

Geico’s digital touchpoints have even earned awards for their ease of use and technical advancements: Geico Mobile was the 2021 People’s Voice Winner for Apps and Software Best Practices, and Geico DriveEasy was the 2021 People’s Voice Winner for Technical Achievement for Apps & Software. Moreover, customers are extremely satisfied with their digital experience at Geico, ranking first among all major car insurers for four consecutive years, according to a J.D. Power Survey.


CNET reviews insurance carriers and products by exhaustively comparing them across set criteria. For auto insurance, we examine average annual premium rates for full coverage, consumer complaints, collision repair scores, the carrier’s financial strength, auto claims satisfaction and overall customer satisfaction. Our data comes from a multitude of sources. 

Auto insurance rates come from Bankrate, which gathers data using Quadrant Information Services. We also use both J.D. Power annual surveys that collect data on customer auto claims satisfaction and overall customer satisfaction.

Consumer complaints are taken from the National Association of Insurance Commissioners (NAIC), which collects consumer complaints across states, indexing complaints on a scale that takes into account the industry average. We collect the financial strength rating of each carrier from the A.M. Best Rating. Lastly, we collected collision repair scores from the Crash Network Insurer Report Card, which collects data from collision repair professionals, including mechanics, to gauge the quality of collision claims service from insurance carriers.

More car insurance advice

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Based in Boston, Marcos Cabello is a personal finance reporter for NextAdvisor and CNET. Marcos has covered cryptocurrency, investing, banking, and the US economy, among other personal finance subjects. If you don't find Marcos behind his computer screen, you'll probably find him behind another screen, playing the newest Nintendo Switch title, streaming the latest TV show or reading a book on his Kindle.