GEICO car insurance review 2025: 3.1 out of 5 stars

Core Insights - GEICO has a rating of 3.1 out of 5 stars, noted for its discounts but lacks certain coverage options like new car replacement and a diminishing deductible program [1] - The company has a high credit rating indicating financial strength, but its premiums are on the higher side of average [2] - Customer satisfaction scores are below average in several regions according to J.D. Power, with mixed reviews regarding the claims process [8][24] Coverage and Discounts - GEICO offers a total of 11 different coverage types, including liability, collision, and comprehensive insurance [5][12] - The company provides 23 different discounts, including those for safe driving, vehicle safety features, and military service [6][17] - Average monthly costs for full coverage are approximately $202, which is slightly above the average of $190 across major insurers [15] Customer Satisfaction and Claims - J.D. Power scores indicate that GEICO scored below average in customer satisfaction across seven out of eleven regions [8] - The claims satisfaction score is five points below the average, with customer reviews highlighting slow response times and mixed experiences [24][25] - GEICO's mobile app is highly rated, facilitating payments, claims management, and roadside assistance requests [23][28] Financial Strength and Premiums - GEICO maintains high credit ratings, reflecting its financial stability and low risk of claim denial due to resource issues [23] - The average annual cost for basic coverage is $1,440, which is 6.2% higher than the average for other insurers [13][16] - The company offers accident forgiveness coverage, allowing customers to waive surcharges after their first qualifying claim, although this is limited to certain states [9][10]