GEICO Auto Insurance Review

Switch and save over $900 a year on car insurance with one of America's most trusted auto insurers.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Drivers chasing the lowest overall premium should quote GEICO first: rates are competitive for most drivers, the app handles digital ID cards and roadside assistance, and AM Best rates it A++. Local agents are scarce, and its bundling discounts are smaller than competitors'. If either matters to you, compare before you switch.

Skip it if you want a local agent, or you're counting on a big auto and home bundle discount.

About GEICO Auto Insurance

Switch and save over $900 a year on car insurance with one of America's most trusted auto insurers. GEICO Auto Insurance is offered by GEICO. Our editorial rating is 4.8 out of 5.

Best for: Drivers seeking the lowest overall premium.

Editorial grade: A+ (composite score 93/100).

Highlights

Average savings of $900+/year for new customers
24/7 claims and customer service
Mobile app with digital ID cards and roadside assistance

What we like

Competitive rates for most drivers
Excellent digital experience and mobile app
Wide range of discount programs

Where it falls short

Limited local agent availability
Bundling discounts smaller than competitors

Fees, minimums, and rates

Monthly fee: Varies by coverage. Minimum to open: N/A. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with GEICO. It is built from GEICO's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Auto Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.