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Geico Auto Insurance Review 2022

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Geico auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy, that’s why here’s guide for Geico Auto Insurance. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

Geico Auto Insurance

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it’s a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

In addition to typical car insurance coverage choices, Geico Auto Insurance offers mechanical breakdown coverage. This covers repairs to all mechanical parts of a new car, less than 15 months old and with fewer than 15,000 miles, except problems caused by wear and tear. There’s a $250 deductible.

Mechanical breakdown coverage is renewable for up to seven years or 100,000 miles, whichever comes first, and does not pay for regular maintenance, such as tuneups.

Geico Auto Insurance discounts

Geico Geico Auto Insurance has a long list of car insurance discounts, so there’s a good chance you can find a price break that applies to you. Although details vary by state, you may be eligible for discounts for:

Having safety equipment, like air bags, anti-lock brakes, daytime running lights or an anti-theft system.

Owning a vehicle that is three model years old or newer.

Driving for five years with no accidents.

Using seat belts.

Completing a defensive driving course, or driver’s education for a young driver.

Having good grades, if you or someone on your policy is a full-time student.

Participating in an emergency deployment with the U.S. military.

Being an active or retired military service member or a member of the National Guard or Reserves.

Being an active or retired federal employee.

Insuring more than one vehicle with Geico Auto Insurance.

Buying a homeowners, renters, condo or mobile home policy through Geico Auto Insurance.

Being a member of organizations, such as alumni associations or sports groups.

Geico Auto Insurance buying guide

Auto insurance buying guide
Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you’ll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.


Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Robust website and mobile app.
Many discounts available.


Doesn’t offer gap or rideshare insurance.
Limited network of local agents

More about Geico auto insurance

Website: You can learn about and get a quote for many types of insurance through Geico’s website, and you can also submit a claim or make a payment. Additionally, the site has a feature to help you find the cheapest gas station near you.

App: Geico’s mobile offering for iOS and Android helps you keep track of your policy and billing details, access your digital auto insurance ID card, pay bills and submit claims. You can also use the app to request roadside assistance and track your car’s maintenance history.

Voice assistance: Geico’s virtual assistant is a feature of its mobile app that can answer your insurance questions and provide specific policy information. Your Geico Auto Insurance account is also accessible through Amazon’s Alexa and Google Assistant.

Geico’s phone number is 800-207-7847.


This opt-in survey of 7,586 adults ages 18 and older was conducted online by NerdWallet, July 8-26, 2021. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience and trustworthiness on a scale of 1-100. Only brands with 100 or more qualifying respondents are reported — 300 of the respondents were current Geico Auto Insurance policyholders.

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