- Our take
- States where Geico offers coverage
- What does Geico auto insurance cover?
- How does Geico insurance rank?
- How much is Geico auto insurance?
- Geico car insurance rates by state
- Geico insurance rates for teens
- Geico insurance rates for adults
- Geico insurance rates for seniors
- Geico insurance rates by driver profile
- Geico insurance discounts
- Sources & Methodology
- What do people ask about Geico Insurance?
Our take
Geico has a reputation for offering low rates for car insurance, mainly through its popular advertising campaigns with the Geico gecko. To some degree, the reputation is earned, but not entirely. It ranked in the middle of the pack for premiums in our Best Car Insurance Companies ranking but ahead of its two biggest competitors, State Farm and Progressive.
Its auto insurance is available in all 50 states and has a strong online presence and robust smartphone application, making it a good option no matter where you live.
States where Geico offers coverage
Available in all states.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Geico auto insurance cover?
Geico offers policies to meet most drivers’ needs, with a notable exception: it doesn’t currently offer gap insurance.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Mexico car insurance
- Rental reimbursement
- Roadside assistance
- Collector car insurance
How does Geico insurance rank?
Geico ranked 7th out of 15 on our annual list of the top car insurance providers. It earned solid marks for customer satisfaction, lower premiums than its biggest competitors and strong financial stability. It’s also available nationwide, making it an easy choice no matter where you live.
Although the company did not rank in the top half for auto claims satisfaction in the 2024 J.D. Power consumer survey, its 7th place finish did put it just into the top half of our ranking.
Here's a look at how it compared to a selection of competitors.
| Company | AM Best | J.D. Power auto claims satisfaction | NAIC complaint ratio* | Average annual premium(out of 5) | Overall score |
|---|---|---|---|---|---|
| Geico | A++ | 871 | 0.91 | 3.99 | 4.20 |
| Nationwide | A | 875 | 0.64 | 4.76 | 4.33 |
| State Farm | A++ | 891 | 0.7 | 3.23 | 4.27 |
| Progressive | A+ | 870 | 0.65 | 3.15 | 4.33 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Geico auto insurance?
In our analysis of rates for the top car insurance providers, Geico ranked 7th for premiums out of 15 ranked companies. It was cheaper than its biggest competitors, State Farm and Progressive, but not as cheap as other large providers like Travelers and Nationwide.
The study found that regional carrier Erie Insurance has the cheapest premiums; Nationwide is the cheapest among national carriers.
The average full coverage rate for a 40-year-old driver with Geico is $1,763 per year or $147 per month. That compared to $1,480 for Erie Insurance and $2,509 per year for Allstate, which is on the pricier end.
Here is a comparison of rates with top competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Geico | $1,763 | $147 |
| Nationwide | $1,548 | $129 |
| State Farm | $1,984 | $165 |
| Progressive | $1,998 | $166 |
Geico car insurance rates by state
Where you live is one of the biggest factors in car insurance rates.
Car insurance rates by state vary. Some states have considerably higher insurance rates due to circumstances such as frequent hail events, flooding and higher litigation costs.
Drivers in Louisiana and Missouri pay some of the highest rates for Geico insurance, while drivers in Indiana and Idaho see the cheapest rates.
Find your state below to see the average annual cost of a Geico car insurance policy.
| State | State minimum | Liability 50/100/50 | Full coverage 100/300/100 liability, $500 deductibles |
|---|---|---|---|
| Alaska | $384 | $477 | $1,338 |
| Alabama | $363 | $523 | $1,625 |
| Arkansas | $285 | $383 | $1,794 |
| Arizona | $369 | $538 | $1,312 |
| California | $367 | $591 | $1,919 |
| Colorado | $227 | $347 | $1,445 |
| Connecticut | $384 | $463 | $1,242 |
| Washington, D.C. | $387 | $458 | $1,408 |
| Delaware | $530 | $792 | $1,695 |
| Florida | $561 | $1,238 | $2,214 |
| Georgia | $471 | $754 | $2,072 |
| Hawaii | $258 | $432 | $1,184 |
| Iowa | $254 | $325 | $1,716 |
| Idaho | $201 | $257 | $1,174 |
| Illinois | $298 | $372 | $1,178 |
| Indiana | $249 | $313 | $986 |
| Kansas | $263 | $296 | $1,622 |
| Kentucky | $508 | $798 | $2,106 |
| Louisiana | $507 | $1,164 | $2,983 |
| Massachusetts | $453 | $559 | $1,269 |
| Maryland | $428 | $465 | $1,262 |
| Maine | $318 | $323 | $1,228 |
| Michigan | $620 | $638 | $1,553 |
| Minnesota | $498 | $554 | $2,495 |
| Missouri | $765 | $931 | $3,217 |
| Mississippi | $388 | $622 | $2,210 |
| Montana | $249 | $402 | $2,382 |
| North Carolina | $492 | $539 | $1,617 |
| North Dakota | $270 | $285 | $1,773 |
| Nebraska | $242 | $272 | $2,372 |
| New Hampshire | $361 | $395 | $1,212 |
| New Jersey | $588 | $679 | $1,563 |
| New Mexico | $380 | $538 | $1,406 |
| Nevada | $430 | $791 | $1,708 |
| New York | $555 | $668 | $1,736 |
| Ohio | $421 | $532 | $1,373 |
| Oklahoma | $291 | $562 | $1,820 |
| Oregon | $513 | $624 | $1,683 |
| Pennsylvania | $355 | $587 | $2,308 |
| Rhode Island | $646 | $825 | $2,292 |
| South Carolina | $512 | $779 | $2,054 |
| South Dakota | $223 | $269 | $2,384 |
| Tennessee | $316 | $409 | $1,565 |
| Texas | $445 | $650 | $1,644 |
| Utah | $395 | $552 | $1,325 |
| Virginia | $388 | $448 | $1,382 |
| Vermont | $286 | $317 | $1,276 |
| Washington | $296 | $473 | $1,171 |
| Wisconsin | $215 | $250 | $1,195 |
| West Virginia | $578 | $678 | $2,248 |
| Wyoming | $174 | $203 | $2,514 |
Geico insurance rates for teens
As with practically all insurers, teenage drivers will pay some of the most expensive rates for car insurance with Geico.
Here’s a comparison of what a teenage driver can expect to pay with Geico compared to older drivers.
| Company | Teenage drivers aged 16-19 | Young adults aged 20-24 | 40-year-old adult |
|---|---|---|---|
| Geico | $5,049 | $2,647 | $1,763 |
| Nationwide | $5,285 | $2,556 | $1,548 |
| State Farm | $5,368 | $3,179 | $1,984 |
| Progressive | $7,174 | $3,242 | $1,998 |
Geico insurance rates for adults
Rates level off after the age of 25 and continue to decline into your adult years.
While rates can vary slightly by insurance company, adults will pay some of their cheapest rates around the age of 60 to 65. Geico’s rates are cheapest at age 60.
An adult male will pay $2,035 a year at age 25, and that same driver will pay $1,773 at age 40.
Here’s what adults can expect to pay on average for full coverage car insurance with Geico at various ages.
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 25 | $2,035 | $2,033 |
| 30 | $1,836 | $1,822 |
| 35 | $1,798 | $1,783 |
| 40 | $1,773 | $1,753 |
| 45 | $1,757 | $1,767 |
| 50 | $1,686 | $1,709 |
| 55 | $1,658 | $1,682 |
| 60 | $1,656 | $1,672 |
| 65 | $1,659 | $1,665 |
Geico insurance rates for seniors
Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight, or other factors and will vary from driver to driver.
For that reason, expect your rates to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens.
The average cost of car insurance with Geico at age 65 is $1,659 for a male and $1,665 for a female.
Here’s what a senior driver can expect to pay with Geico at various ages:
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 60 | $1,656 | $1,672 |
| 65 | $1,659 | $1,665 |
| 70 | $1,780 | $1,760 |
| 75 | $1,950 | $1,913 |
Geico insurance rates by driver profile
Your driving record is a good risk indicator, as drivers with tickets and accidents are more likely to have more in the future. Insurers also consider your credit rating in most states.
A poor credit score is statistically correlated with a higher risk of filing a claim, making it an important rating factor.
Here’s a look at what drivers with common negative marks on their profiles can expect to pay for full coverage insurance with Geico. An at-fault accident will cause the biggest premium increase.
| Clean record | At-fault accident | Speeding ticket | Poor credit rating |
|---|---|---|---|
| $1,763 | $3,207 | $2,831 | $3,039 |
Geico insurance discounts
One of the best ways to lower your insurance premiums is to see if you are eligible for any available car insurance discounts.
Carriers generally offer discounts for various items, such as bundling insurance policies with the same carrier, installing safety devices, using driver monitoring (or telematics) programs and belonging to various professional, trade or alumni associations.
Most discounts are about 5% to 10%, but they can be as much as 30%. Sometimes you can qualify for multiple discounts.
Geico offers a wide range of discounts, including the following:
- Multi-car and multi-policy bundling
- Airbags
- Anti-lock brakes
- Anti-theft system
- Daytime running lights
- Seat belt use
- Five-year accident-free good driver
- Defensive driving course
- Driver’s education
- Good student discount
- Military (active duty)
- Federal employee
- New vehicle
Sources & Methodology
Methodology
Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.
Source
Geico. “Car Insurance Discounts.” Accessed August 2024.
What do people ask about Geico Insurance?
To help you decide if Geico is right for you, we sought out common questions asked about Geico online and answer them right here.
Why does Geico keep raising prices?
If your Geico car insurance rate is going up on every renewal, there are number of possible culprits, including changes in your driver profile or household. If there are no changes, however, the rate increases are likely due to across-the-board rate hikes that are being seen with every company as a result of the increased costs of parts and labor as well as increased severe weather. As insurance companies have to pay out more in claims, they raise their rates to make up for it.
Why can’t I get auto insurance with Geico?
Car insurance companies turn down applications when the driver doesn’t meet the company’s requirements for coverage. This is usually due to risk; a driver who presents a risk that’s unacceptable to the company’s underwriting department will be declined. If you have been turned down online, call Geico directly to discuss the issue and find out if the decision can be reversed.
Is Geico a good insurance company?
In our survey, customers gave Geico average marks for customer satisfaction, and in its 2024 consumer survey, J.D. Power ranked it slightly below average for auto claims satisfaction.
As with all insurance companies, there are mixed experiences, but Geico generally has a solid reputation and is among the largest companies in the nation for a reason.
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