GEICO Insurance Review

GEICO is the third-largest U.S. auto insurer by market share and one of the best-known national insurance companies. Its car insurance rates are historically among the cheapest available in all 50 states. GEICO offers many discounts, including a usage-based auto insurance program that helps safe drivers save money on car insurance premiums.

A Berkshire Hathaway Group company, GEICO is known for selling directly to consumers. However, with IronPoint, we can sell GEICO for auto insurance, motorcycle, and commercial auto. Here’s what you should know about GEICO as you compare car insurance.

GEICO is generally available in the states where IronPoint operates, with a few exceptions. The table below shows which GEICO product lines we actively write by state.

State	Auto	Motorcycle	Commercial Auto
Arizona
California *	—	—	—
Nevada	—	—
Texas
Utah
Washington

^*California availability pending.

Some comparison sites publish “average” or “typical” GEICO prices based on quote samples. Those snapshots can be interesting, but they’re not a reliable predictor of your premium because every policy is rated on unique risk details (driver, vehicle, garaging ZIP, limits, deductibles, etc.).

Ranges synthesized from widely cited averages (e.g., monthly full-coverage averages ~\$135–\$138; a GEICO annual average in the \$1.7k range). These figures vary by state and driver profile and should be treated as directional only.

What actually determines your price

• Vehicle details: year, make/model, repair costs, anti-theft and safety features.
• Driver profile: age, licensure length, violations/accidents, prior insurance and claims.
• Location & garaging: ZIP-level loss trends, theft/vandalism rates, weather, traffic density.
• Mileage & usage: commute vs. occasional use, annual miles, business/rideshare use.
• Coverages & deductibles: liability limits, comp/collision, add-ons (rental, roadside, gap).
• Discounts & affiliations: multi-policy, good driver, telematics, employer/military, equipment.
• Household mix: number of drivers/vehicles, youthful or newly licensed operators.
• Insurance/credit score (where allowed): scoring models used in many states can affect rate.

Bottom line: averages can set expectations, but your best price comes from a tailored quote with your exact drivers, vehicles, and coverage selections.

GEICO offers a broad set of car insurance coverages. Availability and names can vary by state, but these are the most common options:

• Liability Insurance (BI&PD) — Pays for injuries or property damage you cause to others in an at-fault accident.
• Medical Payments / Personal Injury Protection (MedPay & PIP) — Helps with medical expenses (and in some states lost wages) for you and your passengers, regardless of fault.
• Uninsured / Underinsured Motorist (UM/UIM) — Covers you if you’re hit by a driver with no insurance or not enough insurance.
• Collision — Pays to repair or replace your vehicle after a crash, regardless of fault.
• Comprehensive — Covers non-collision losses like theft, vandalism, fire, weather, or falling objects.
• Emergency Roadside Service — Towing, jump starts, lockout assistance, and other roadside help.
• Rental Reimbursement — Helps pay for a rental car while your vehicle is in the shop for a covered claim.
• Mechanical Breakdown Insurance (MBI) — For newer vehicles; helps cover certain major mechanical repairs beyond warranty.
• Rideshare Coverage (where available) — Extends protection when you drive for TNCs like Uber or Lyft (state/eligibility dependent).

Pro Tip: Planning to drive into Mexico? Your U.S. auto policy typically doesn’t meet Mexican insurance requirements. Ask us about Mexico auto insurance before you go—we can protect your trip with the right policy for short or long stays.

GEICO offers a wide range of auto insurance discounts designed to reward safe driving, responsible ownership, and customer loyalty. The value and availability of each discount can vary depending on your state, underwriting eligibility, and the type of coverage you select.

If you’re not sure if you qualify for an auto insurance discount, ask your insurance agent to review the eligiblity rules.

Our Rating: 4 out of 5

Our 4-star review reflects both public data and our direct experience working with GEICO. Financially, GEICO is exceptionally strong (A++ “Superior” Financial Strength from AM Best with a stable outlook), and recent industry studies show the company performing competitively on customer satisfaction in many regions. From our vantage point, GEICO invests heavily in process discipline—continuously training service and claims teams and refining systems—to deliver a high-value customer experience.

That said, no insurer delivers a perfect experience every time. Most negative experiences we see involve claims and coverage misunderstandings—common pain points across the industry given the complexity of insurance contracts. Relative to other mass-market carriers, however, GEICO is better than average from a consumer perspective. From our professional perspective—understanding how hard it is to execute consistently at scale—GEICO is an excellent carrier with strong capabilities and ongoing operational improvements.

Supporting signals: AM Best affirmed GEICO’s A++ financial strength in Feb 2025; J.D. Power’s 2024/2025 U.S. Auto Insurance research highlights competitive satisfaction results in multiple regions; Berkshire Hathaway leadership has publicly noted operational and telematics improvements at GEICO in 2024–2025.