Last Updated: 04/18/2025
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GEICO Auto Insurance Review
GEICO is a car insurance carrier based in Chevy Chase, MD. The insurance company was founded in 1936 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether Geico car insurance is a good option for you, read on.
Geico car insurance Pros & Cons
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Geico car insurance FAQ
What types of car insurance coverage options does Geico car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does Geico car insurance have roadside assistance?
No, GEICO does not have roadside assistace.Does Geico car insurance offer ridesharing insurance?
No, Geico car insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Geico car insurance offer?
Geico car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Free Policy Cancellation: No cancellation fees for ending your policy early.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Geico car insurance offer?
When you ask for an insurance quote with Geico car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible and to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: Geico car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Geico car insurance.
How does GEICO calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and GEICO is no exception. However, you can be confident that Geico car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Geico car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Geico car insurance insurance quote
- Visit the GEICO website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Geico car insurance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
Closed