GEICO Review
GEICO is known for competitive rates and a streamlined digital experience, making it easy to get quotes and manage policies online.
Overview
GEICO (Government Employees Insurance Company) was founded in 1936 and is now a subsidiary of Berkshire Hathaway. Originally serving government employees, GEICO now insures anyone and has become the second-largest auto insurer in the US. Known for their iconic gecko mascot and '15 minutes could save you 15%' advertising, GEICO emphasizes competitive pricing and digital convenience.
Pros
- Competitive rates - often among the cheapest options
- Easy online quoting and policy management
- 24/7 customer service availability
- Strong mobile app with many features
- Fast claims processing
Cons
- Limited local agent support - primarily digital
- Home insurance is through partner companies, not directly written
- Bundling discounts not as significant as agent-based carriers
- May not be cheapest for high-risk drivers
Average Rates
* Rates are national averages and vary by location, driver profile, and coverage level
Ratings & Scores
Available Discounts
Frequently Asked Questions
Is GEICO actually cheaper than other insurance companies?
GEICO is often among the cheapest options for auto insurance, particularly for drivers with clean records. Their direct-to-consumer model eliminates agent commissions, which helps keep rates competitive. However, rates vary by location and driving history.
Does GEICO offer home insurance?
GEICO doesn't directly write home insurance policies but partners with companies like Homesite to offer home coverage. You can get a bundled discount by combining auto and home through GEICO.
How do I file a claim with GEICO?
GEICO offers multiple ways to file claims: through their mobile app, website, or by calling their 24/7 claims hotline. Their digital claims process is streamlined, and many simple claims can be resolved quickly.
What is GEICO's customer service like?
GEICO provides 24/7 customer service through phone, online chat, and their mobile app. While they don't have local agents, their digital support is comprehensive and their call center is generally well-rated.
Does GEICO offer military discounts?
Yes, GEICO offers significant discounts for active duty military, National Guard, reserves, and veterans. They also have special programs for military families and offer flexible payment options during deployments.
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