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What to Know
The short answer to "is Geico good car insurance" is yes, for the right driver. Geico sells liability, collision and comprehensive coverage in all 50 states and D.C. It lists 23 discounts and lets you handle quotes, purchases and claims online. It's a weaker fit if you need gap coverage on a financed or leased car.
Nine of Geico's discounts apply only in specific situations: military service, a federal government job, or a student in the household. If none of those apply to you, the discount list gets shorter.
Geico
Best for Discounts- Discounts
- 23
- Online Quotes
- Online Policy Purchase
Why We Like Geico
Geico is our pick for best for discounts. Its list runs from car safety features such as anti-lock brakes to discounts tied to your job, including members of military and federal employees. You can get a quote, buy a policy and file a claim online in any of the 50 states or Washington, D.C.
Pros and Cons
Pros
- Available nationwide
- 23 discounts to choose from
- Buy a policy online
Cons
- No gap insurance
Solvable's Take on Geico Car Insurance
Geico car insurance makes the most sense for households that stack several discounts at once. A good example is a military or federal employee family with two cars, a teenager earning good grades and a home to bundle coverage with. Grouped by who qualifies, the 23 discounts break down like this:
- Occupation or affiliation (military, deployed driver, federal employee, membership and employee): 4 discounts
- Students (good student, student away at school): 2 discounts
- Household (homeownership, multi-policy, multi-vehicle): 3 discounts
- Your vehicle (anti-lock brakes, anti-theft system, daytime running lights, restraint device, new vehicle): 5 discounts
- Your driving (clean record, defensive driving course, driver training course, DriveEasy): 4 discounts
- How you buy and pay (early shopper, internet quote, auto pay, paperless, paid-in-full): 5 discounts
DriveEasy is usage-based, which means part of your price comes from how you drive, not just your personal driver profile. Geico also suits the self-serve buyer who prefers buying and managing policies online. If you want extras on one policy, it offers mechanical breakdown insurance, custom parts and equipment coverage, rental reimbursement and emergency road service.
Where Geico falls short is gap insurance, which covers the difference between what your car is worth and what you still owe on the loan or lease if the car is totaled. If you financed or leased recently, check whether you owe more than the car is worth before you switch, and line up gap coverage through your lender or another provider if you need it.
The discount list has a limit too. A single renter with no affiliations, one vehicle and nothing to bundle is left with car, driving and payment discounts, and many drivers can get those elsewhere.
Geico Car Insurance Discounts
Geico lists the 23 discounts below. When you get a quote, ask which ones you qualify for, then check which ones apply to the quote.
- Anti-lock brakes
- Anti-theft system
- Auto pay
- Clean driving record
- Daytime running lights
- Defensive driving course
- Deployed driver
- DriveEasy (usage-based)
- Driver training course
- Good student
- Early shopper
- Federal employee
- Homeownership
- Internet quote
- Membership & employee
- Military
- Multi-policy
- Multi-vehicle
- New vehicle
- Paid-in-full
- Paperless
- Restraint device (seat belt use)
- Student away at school
Geico Car Insurance Coverage
Liability Coverage
Liability coverage pays for injuries and property damage you cause to other people. Most states require it,
Collision Coverage
Collision pays to repair or replace your car after a crash with another vehicle or an object, regardless of fault, minus your deductible. It pays up to the car's value, not your loan balance.
Comprehensive Coverage
Comprehensive pays for damage that doesn't occur in a crash, such as theft, hail, fire or hitting a deer. Together with liability and collision, it makes up what's known as "full coverage."
Uninsured/Underinsured Motorist
This coverage pays your costs when the driver who hit you has no insurance or not enough to cover the damage.
Personal Injury Protection (PIP)
PIP pays medical costs, and in some cases lost wages, for you and your passengers no matter who caused the crash. Some states require it.
Mechanical Breakdown Insurance
Mechanical breakdown insurance pays for covered repairs to your car's mechanical parts when the problem isn't caused by an accident. Read the policy to confirm what it covers before adding it to your policy.
Frequently Asked Questions
Is Geico good car insurance?
Geico is a solid fit for drivers who qualify for several discounts and want to manage their policy online. Whether it's good car insurance for you depends on your own personal driver profile.
What does Geico offer besides basic coverage?
Beyond liability, collision and comprehensive, Geico sells medical payments coverage, personal injury protection, and uninsured/underinsured motorist coverage. It also offers emergency road service, rental reimbursement, mechanical breakdown insurance, and coverage for custom parts and equipment.
Does Geico offer gap insurance?
No. Gap insurance pays the difference between what you owe on a financed or leased car and what it's actually worth after a total loss, and Geico doesn't offer it.
What is Geico DriveEasy?
Geico DriveEasy is the company's usage-based discount program, meaning part of your pricing is based on how you actually drive rather than general risk factors alone. Eligibility and how much it affects your price vary by driver, so ask about it directly when you get a quote.
