Auto Insurance · Editor review
GEICO review.
Best for: Shoppers who want competitive rates without an agent and prefer to self-serve quotes, ID cards, and claims via app.
Avg annual premium
$1,353
A.M. Best rating
—
Provider type
carrier
Coverage
50 states
What we like
- +One of the deepest discount stacks in the industry (federal employee, military, alumni, multi-policy)
- +Excellent mobile app — most policy actions self-serve
- +Strong A.M. Best financial strength rating (A++, Superior)
- +Competitive rates for clean driving records and standard vehicles
What we don't
- −Less competitive for drivers with at-fault accidents or DUIs
- −Limited agent network for shoppers who prefer in-person service
- −Rideshare-driver coverage (Uber/Lyft endorsement) available only in some states
- −Claims handling is highly call-center-based — minimal local human touch
Editor's verdict
GEICO (Government Employees Insurance Company, owned by Berkshire Hathaway) is the second-largest U.S. auto insurer (NAIC 2024) and arguably the best self-serve digital experience among the top-5. The mobile app handles 90%+ of policy actions without phone calls. Pricing is competitive for clean records and standard vehicles; it's less aggressive on tickets, accidents, or non-standard risks. The discount stack (federal employee, military, multi-policy, good student, defensive driver) is one of the deepest in the industry — combine 4–5 of them and GEICO is frequently the lowest published rate.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
GEICO FAQ
Does GEICO actually save you 15% in 15 minutes?+
GEICO's slogan is a marketing average, not a guarantee. Independent quote-comparison data (The Zebra, Insurify) shows GEICO is the lowest carrier roughly 25–35% of the time for clean-record applicants but rarely the cheapest for drivers with 1+ at-fault accident in the past 3 years. Always quote at least 3 carriers; a 15-minute GEICO quote alone won't reveal whether their rate is competitive.
What discounts stack at GEICO?+
The high-value stackable discounts are: federal employee (Eagle), active/retired military, multi-vehicle, multi-policy (home/renters), good student (3.0+ GPA, under 25), defensive driver course, and air-bag/anti-theft equipment. Stacking 4+ of these often beats single-discount competitors by 15–25%.
Does GEICO cover Uber and Lyft drivers?+
Yes, via a Rideshare endorsement that bridges the coverage gap between your personal auto policy and the rideshare company's commercial policy. Availability varies by state — California, Texas, Florida, and most large states are covered; a handful of smaller states are not. If you're a full-time rideshare driver, GEICO's endorsement is cheaper than Progressive's equivalent in most states we checked.
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