- Avg. monthly premium
- $92/mo
- Claims score
- 882/1000
- Discounts
- 16+
- Availability
- 50 states
Why it stands out
GEICO highlights
- Consistently undercuts national-average premiums for clean records
- Sixteen-plus discounts, including good-driver and multi-policy
- App handles claims, ID cards, and roadside end to end
- Quote in about 15 minutes with no agent involved
The verdict at a glance
Pros and cons
Pros
- Among the lowest rates for drivers with a clean history
- Genuinely useful app that most policyholders never leave
- Stacks discounts aggressively to push the premium down
Cons
- Fewer in-person agents if you prefer a local office
- Rates climb sharply after an at-fault accident or DUI
Our full review
Our take on GEICO
GEICO pairs some of the lowest base premiums in the country with a quote-to-buy flow that takes about fifteen minutes online. Its mobile app handles ID cards, claims, and roadside without a phone call, which is why price-first drivers keep landing here.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on GEICO’s own site before you apply.
The alternatives
How GEICO compares
Other top-rated insurers in Car Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Progressive | $104/mo | Drivers with tickets or an accident on record | Get Quote | |
| 2 | State Farm | $118/mo | Drivers who want a nearby agent to call | See Rates | |
| 3 | USAA | $88/mo | Active-duty, veterans, and their families | Get Quote | |
| 4 | Allstate | $139/mo | Drivers who want rewards and accident forgiveness | See Rates |
- Progressive4.7Best for Drivers with tickets or an accident on record
- State Farm4.6Best for Drivers who want a nearby agent to call
- USAA4.9Best for Active-duty, veterans, and their families
- Allstate4.4Best for Drivers who want rewards and accident forgiveness