Find low premiums from a leading insurance provider.
GEICO provides inexpensive auto insurance for both low- and high-risk drivers. If you have driven without a license, have poor credit, or have a traffic violation on your record, GEICO has coverage options at lower rates than most nonstandard insurers. Read on to learn more about what prices to expect from GEICO, as well as our favorite features.
The average rate from GEICO is $1,194, with a range from $667 to $1,297. Here are how your rates could differ based on your driver profile:
Everyone’s insurance rates are different. Your driver profile, which determines your rates, is based on your driving record, credit history, age, location and other factors.
|Discount name||Discount qualification||Potential savings|
|Air bag||If your vehicle has airbags||23%|
|Anti-lock brakes||If your vehicle has a factory installed anti-lock braking system||5%|
|Anti-theft system||If your vehicle has a built-in anti-theft system to prevent car theft||23%|
|Daytime running lights||If your vehicle is has daytime running lights as standard equipment||3%|
|New vehicle discount||If your vehicle is three model years old or newer||15%|
|Good driver||If you’ve been accident-free for five years||22%|
|Seat belt use||If your vehicle has seat belts||Varies|
|Defensive driving||If you’ve completed a defensive driving course||Varies|
|Driver’s education course||If a young driver in your family has completed a driver’s education course||Varies|
|Good student||If you or a driver on your policy is a full-time student in good academic standing||15%|
|Emergency deployment||If you’re part of an emergency deployment to an imminent danger zone||25%|
|Federal employee||If you’re an active or retired federal employee||12%|
|Membership & employee||If you belong to one of GEICO’s 500+ affiliate groups||Varies|
|Military||If you are active duty or retired from the military, or a member of the National Guard or Reserves||15%|
|Multivehicle||If you insure more than one car with GEICO||25%|
|Multipolicy||If you have an auto policy as well as a homeowners, renters, condo, mobile home, or life insurance policy with GEICO||Varies1|
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, necessary for good customer service.
If you run into issues on the road, GEICO offers 24/7 roadside assistance. This additional coverage provides the following:
Here’s what you need to do to request help:
If your vehicle is less than 15 months old or has fewer than 15,000 miles, you may be eligible for mechanical breakdown coverage. In the event of a vehicle breakdown, this additional coverage applies to the following:
To start your mechanical breakdown insurance claim, call (800) 443-7411.
Commercial auto insurance from GEICO will protect business vehicles from the incidents below:
Business vehicles are cars only for commercial purposes. Cars for commuting or delivery services are not eligible. GEICO’s commercial auto insurance covers the following types of vehicles:
This coverage will not protect semi trucks and tractor-trailers.
GEICO provides private passenger automobile insurance in all 50 states and the District of Columbia.
Always get more than one car insurance quote before you purchase an insurance policy. Compare car insurance quotes from different car insurance companies to find the lowest auto insurance rates.
If you need to cancel your policy, GEICO makes that easy in three simple steps:
You can cancel your policy at any time with no fees.
Here’s how you can get in touch with GEICO:
GEICO could be your provider if you’re looking for affordable rates for standard and nonstandard insurance policies alike. With coverage from this company, you can rest easy knowing you and your vehicle have protection in the event of an accident. If you want to learn even more about what GEICO has to offer, read our GEICO review.
Yes, you can add rideshare protection from GEICO as additional coverage for services like Lyft and Uber. This optional coverage will only cover drivers for rideshare services, not passengers.
Yes, GEICO offers SR-22 and FR-44 certification.
On the mobile app, you have access to the following features:
Yes, GEICO offers accident forgiveness in all states except California, Connecticut, and Massachusetts. You can add accident forgiveness to an existing auto policy to prevent insurance rates from increasing as a result of a driver’s first at-fault accident.
Car Insurance Discounts – Savings on Auto Insurance. GEICO. (2022).
AM Best Affirms Credit Ratings of GEICO Corporation and Majority of Members of GEICO. AM Best. (2021, Nov 3).