GEICO Car Insurance Pricing 2025

The average rate from GEICO is $156 monthly ($1,867 annually) for full coverage and $46 monthly ($558 annually) for minimum coverage. Here are how your rates could differ based on your driver profile:

GEICO offers a variety of discounts that can help you lower your premium.

Here’s a complete list of discounts:

It took us less than five minutes to get an online quote with GEICO. After entering standard personal and vehicle information and agreeing to participate in GEICO’s safe driving program, DriveEasy, we received our initial quote.

GEICO showed us a breakdown of premium costs and discounts in the estimated quote. It also allowed us to adjust coverage and see how changes affected the premium. We liked the feature for its transparency, allowing customers to play around with ways to lower their bill. It’s a step up compared to State Farm, which requires connecting with an agent to finish the quote process.

Overall, we found GEICO’s online quote process fast and simple, and we liked the ability to customize coverage online. Real-life customers we spoke to agreed that GEICO’s quote and policy purchase process is straightforward and quick.

In addition to sharing our personal experience with GEICO, we analyzed real-life customer feedback and review patterns to understand what other drivers think. By analyzing over 6,000 customer reviews from major platforms like Reddit, BBB, and more, we identified common themes in customer satisfaction, complaints, and overall experience. Here’s what we found:

GEICO offers more than just affordable rates. Here are some of the features that stand out:

Superior Financial Strength

GEICO has an A++ (Superior) financial strength rating from AM Best.² Financial strength ratings indicate an insurance provider’s ability to pay its customers’ claims. A Superior rating means GEICO has the capital and management capacity to cover customer losses in the event of accidents, which is necessary for claims fulfillment.

Emergency Roadside Assistance

If you run into issues on the road, GEICO offers 24/7 roadside assistance. This additional coverage provides the following:

• Battery jump starts
• Fuel delivery (fuel cost not included)
• Lockout services (up to $100)
• Tire change services (if you have a spare)
• Towing to the nearest repair facility
• Winching your vehicle if it is stuck on or immediately next to a publicly-maintained roadway

Here’s what you need to do to request help:

1. Open the GEICO Mobile app and select Roadside Assistance.
2. Visit https://geico.app.link/staticAutoERSGetHelpNow.
3. Call (800) 42-GEICO.

Compare: Geico vs Allstate

Mechanical Breakdown Insurance

For vehicles less than 15 months old or with fewer than 15,000 miles, GEICO offers mechanical breakdown coverage. In the event of a vehicle breakdown, this additional coverage applies to the following:

• Repair costs
• Replacement parts
• Other mechanical problems

To start your mechanical breakdown insurance claim, call (800) 443-7411.

Commercial Auto Insurance

Small-business owners can find competitive rates for commercial auto insurance. GEICO’s commercial auto insurance covers the following types of vehicles:

• Semi trucks
• Cars
• Food trucks
• Pickup trucks
• Service utility trucks
• Vans

GEICO provides private passenger automobile insurance in all 50 states and the District of Columbia.

If you need to cancel your policy with GEICO, here’s how:

1. Have your GEICO policy number accessible.
2. Call 800-841-1587.
3. Ask the licensed agent to proceed in canceling your policy. If you’re prompted to speak to the automated system, say “cancel insurance policy” and then “auto.”

You can cancel your policy at any time with no fees.

Here’s how you can get in touch with GEICO:

• Online: www.geico.com/contact-us/
• By mail: Mailing addresses differ by state and inquiry.
• By phone: 1-800-207-7847

GEICO offers competitive rates and solid coverage options for standard and nonstandard insurance policies. With the financial strength to back claims, you can rest easy knowing you and your vehicle have protection in the event of an accident. Check out our GEICO review to learn more about what GEICO has to offer.

Our goal is to offer consumers precise and impartial information. Our methodology includes the following steps for evaluating companies:

• Cost (40 percent): We analyze average premiums for full and minimum coverage across multiple driver profiles, including those with strong credit and clean records, as well as individuals with DUIs, at-fault accidents, or poor credit. We also factor in available discounts. Our full coverage calculations are based on these standard policy limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision coverage: $500 deductible
• Claims Service (25 percent): We examine how efficiently insurers manage claims, focusing on their speed, communication transparency, and fairness in assessing damage. Our analysis uses independent sources such as the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Survey. We also review financial strength ratings from agencies like AM Best and S&P to ensure insurers have the ability to meet claims obligations. Where applicable, firsthand experience and real customer feedback adds further insights.
• Customer Satisfaction (25 percent): We evaluate the quality of the customer experience, from obtaining a quote to policy management. This includes ease of making policy changes, accessing documents, and interacting with representatives. Our assessment draws on data from sources like J.D. Power, the NAIC complaint index, Better Business Bureau ratings, and app store reviews. We also interview customers and include our own experiences, aiming to provide readers with firsthand insights.
• Coverage Options (10 percent): We assess each company’s range of coverage options, with an emphasis on additional protections beyond the state-required minimums. We give extra weight to insurers that offer add-ons such as rideshare coverage, rental reimbursement, rideshare insurance, and more.

Learn more about our methodology and ratings.