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GEICO Insurance Review 2021
GEICO insurance is famous for providing comprehensive car insurance policies. GEICO is known in the US as the second-largest car insurance company across the country. If you are looking for an affordable and trustworthy insurance company, GEICO is a topnotch choice for coverage.
GEICO reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
GEICO Auto Insurance Rating
GEICO insurance is a 5-star company based on its extensive overall performance in providing affordable car insurance among US citizens. We took the time to assess GEICO's score by looking closely at its account pricing, financial stability, ease of making transactions and claims, generous discounts, and actual complaint information from the National Association of Insurance Commission. Upon examining these factors, we recognize that GEICO is one of the best car insurance companies.
GEICO Car Insurance Coverages and Features
|GEICO Auto Coverage Options||Description|
|Mechanical Breakdown Policy||GEICO will cover the repair of your vehicle’s mechanical parts with brand new parts. This option is only limited to 15-month old cars or less with 15,000 miles reading. A faulty auto due to wear and tear will not be covered. Additionally, the client is entitled to a $250 deductible.|
|Rideshare Insurance Offer||This feature from GEICO is intended for Ride for Hire drivers such as Uber and Lyft, and delivery services such as GrubHub or Instacart. This coverage is available for 40 selected states and districts of Columbia.|
GEICO Auto Insurance Discounts
- Vehicle Safety Equipment Installation Discount (airbags, anti-lock brakes, daytime running lights, anti-theft system)
- 5-Year Accident-Free Bonus
- Seatbelt Use Perk
- Defensive Driving Course Completion Discount
- Student Drivers with Good Grades Bonus
- The U.S. Military Deployment Participation Discount
- National Guard or Reserves Military Active Member Bonus
- Federal Employee Bonus (active or retired)
- Multi-Auto Insurance Premium Discount
- Renter, Condo, Mobile-Home Purchase via GEICO Bonus
- Organization Membership Discount (alumni association or sports groups)
- DriveEasy Application Usage Perks(applies to Pennsylvania locals)
GEICO Customer Satisfaction Assessments
GEICO is considered as one of the most reliable insurance companies in the country. It has very low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car, life, and home insurance.
GEICO’s overall rating in the US is above average, with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
|Assessment Category||GEICO’s Customer Satisfaction Rating|
|Auto Insurance Policy Claim Satisfaction||Very Good|
|Auto Insurance Shopping Satisfaction||Above Average Rate|
GEICO's Digital Information
|GEICO’s Website||GEICO has a tech-savvy website that provides services such as getting a quote, finding the nearest gas station, and making or filing a claim.|
|GEICO’s Mobile Application||GEICO created a mobile and user-friendly app to extend convenience among its clients. The application lets you pay your bills, manage or access your policies, check claim status, track your claim status, and acquire insurance ID. Additionally, you can find an available parking spot, chat with an agent, save and follow your vehicle’s maintenance, and request roadside assistance using this app.|
|GEICO’s Voice Assistance||Kate is the voice behind GEICO’s voice assistant, and it is iOS and Android friendly. Kate can provide specific policy information and address your insurance policy questions.|
GEICO’s Other Insurance Services
- Umbrella Insurance
- Recreational Insurance
- Motorcycle Insurance
- All-Terrain Car Insurance
- Commercial Auto Insurance
GEICO Client Satisfaction Pros and Cons
|GEICO earned limited complaints from state regulators for both home and car insurance policies.||GEICO’s several policies are only limited to its partners.|
|GEICO offers extensive perks to their clients.||GEICO does not have gap insurance available.|
|GEICO created a tech-savvy website and mobile application.||GEICO agents have a limited network to cover.|
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories: financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators reported to the National Association of Insurance Commissioners (NAIC) between 2016-2018. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the total share of complaints in ratio to the company size.
GEICO Insurance Company FAQs
Is it necessary to have the police presence during a mishap while under the policy of GEICO?
Each state’s requirement varies, but it is ideal to have a police presence during an accident to have robust support for your compensation.
What does GEICO require when filing a claim?
GEICO will have you collect information on the date, time, and location of the accident. A comprehensive description of how it happened and your local police department’s response are also necessary.
What should I do if any company does not insure the other party?
It is best to contact your insurance company and let them deal with your predicament since every state has various policies on uninsured motorists.
What is the best thing to do if my car is damaged while under the policy of GEICO?
It is best to access your claim with GEICO and find out the nature of your claim. You can start the process by setting an appointment via online inspection.
Is it definite for my rate to go up with GEICO after an accident?
It typically depends on the nature of the accident. GEICO will extensively assess the situation before your renewal period.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.