Geico is the second-largest auto insurer in the US and consistently offers the lowest rates for drivers with clean records. Known for its fully digital experience and 24/7 customer service. Founded in 1936 and headquartered in Chevy Chase, MD, Geico holds an AM Best financial strength rating of A++ and scored 871 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.
Geico Pros and Cons
- Lowest rates for clean-record drivers
- Excellent mobile app 4.8 stars
- Available in all 50 states
- Strong A++ financial rating
- No local agents
- No gap insurance
- Rates rise sharply after violations
Bottom line: Geico is best for Budget-conscious drivers with clean records.
Geico Rates by Driver Profile
| Driver Profile | Estimated Annual Rate | vs. National Average | Assessment |
|---|---|---|---|
| Clean record — 35, good credit | $1,168 | $836 below avg | Competitive |
| One speeding ticket | $1,460 | +25% surcharge | Forgiving |
| At-fault accident | $1,693 | +45% surcharge | Competitive post-accident |
| DUI conviction | $2,079 | +78% surcharge | Higher than average surcharge |
| Teen driver added | $2,125 | +82% surcharge | Good teen discounts available |
Geico Coverage Options
Geico offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is not available directly from Geico — you may need to purchase it from your dealer or a third party. Rideshare coverage availability varies by state at Geico.
Is Geico Right for You?
Geico is an excellent choice for Budget-conscious drivers with clean records. Our recommendation is to always compare Geico's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.