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|High claims satisfaction||Average customer satisfaction with the insurance shopping process|
|Long list of discount opportunities||Some programs and discounts not available in all states|
|Robust mobile app|
What you need to know about Geico auto insurance
It’s a safe bet that if you own a television, you’ve seen at least one advertisement for Geico auto insurance — you know, the one that promises “15 minutes could save you 15% or more on car insurance.”
Geico, or Government Employees Insurance Co., has been offering insurance for 75 years. Today, Geico is a subsidiary of Berkshire Hathaway and sells a range of insurance products, including auto, homeowners, renters, life, umbrella and even pet insurance.
Average customer service ratings, but high claims satisfaction
Geico earned middle-of-the-road satisfaction ratings across the board in the J.D. Power 2019 Insurance Shopping Study, which included rating factors like call center representatives and local agents. But the company ranked 6th out of 25 insurance providers in J.D Power’s 2019 U.S. Auto Claims Satisfaction Study, and its number of customer complaints in 2019 was lower than usual for insurance companies of its size in the market, according to the National Association of Insurance Commissioners.
Long list of discounts
Geico offers a wide range of discounts for people who meet certain criteria. The company offers common insurance rate discounts for things like having a safe driving record, carrying multiple policies with Geico, having anti-theft devices or safety equipment, completing various drivers education courses or being accident-free.
Beyond these typical discounts, Geico offers discounts for people with certain affiliations such as members of the military, federal employees, people in the military who are part of emergency deployment and certain alumni groups, fraternities, sororities and professional organizations.
Robust mobile app
Geico’s mobile app provides policyholders with a dizzying array of options. In addition to the standard features you would expect from a car insurance app — such as the ability to pay your bill, update your policy, view ID cards, file a claim or request roadside assistance — here are other ways you can use the app.
- Submit a photo of your car damage to speed up the process for minor claims
- Talk or text with Geico mobile virtual assistant Kate to learn about policy coverage and get billing information
- Track your car maintenance
- Find a gas station or your parked car
- Get a ride from a Lyft driver
You can also check claims, request roadside assistance, get payment information and more through Amazon Alexa or Google Assistant with Geico Voice. Geico’s robust digital presence recently ranked the highest in the service segment of J.D. Power’s 2019 Insurance Digital Experience Study for its digital consumer experience.
A closer look at Geico auto insurance
Here are some more things to consider about Geico insurance.
- Availability — Not all Geico policies and programs are available in all areas. For example, accident forgiveness is not available in California, Connecticut or Massachusetts. And Geico’s DriveEasy program, which tracks your driving habits to score you personalized discounts, is currently available in only 12 states.
- Coverage options — Geico offers standard coverage options, such as liability, collision, comprehensive, medical payments, uninsured motorist, personal injury protection and rental car reimbursement coverage. It also offers mechanical breakdown insurance for cars under 15,000 miles and less than 15 months old — coverage not typically offered by other insurers — and rideshare insurance for Uber and Lyft drivers.
- Help in choosing coverage — Geico’s coverage calculator recommends the amount of insurance coverage you might need and suggests the best deductible for you, based on your marital status, the cars you drive and your driving habits.
- Claims — You can submit and track a claim or request roadside assistance online or through the mobile app.
Is a Geico auto insurance policy the right fit for you?
Geico could be a good option for someone who qualifies for some of the company’s many policy discount opportunities, such as military members, federal employees or those who belong to other qualifying groups and organizations.
Geico could also be good for digitally savvy drivers who want the ability to submit claims or get assistance quickly.
But if you aren’t tech-savvy or if certain discounts you want aren’t available in your state, you might want to look elsewhere.
How to get an auto insurance quote from Geico
You can get a car insurance quote from Geico through geico.com, the mobile app or a Geico agent.
Before you buy a car insurance policy from Geico, it’s a good idea to research and compare quotes from multiple auto insurance companies to help find the best rates and policy for you. If you aren’t sure which types of coverage or how much insurance you need, an insurance agent could help.
Not sure if an auto insurance policy from Geico is right for you? Consider these alternatives.
- Allstate auto insurance: Allstate may be good for someone who wants to be rewarded for maintaining a safe driving record (in states where these programs are available).
- Liberty Mutual: Depending on the state you live in, this insurance company may be a fit if you’re a teacher and want added protection when you’re on school grounds or driving for school-related business.