Geico
Geice sells car insurance for a number of different kinds of vehicles: cars, motorcycles, classic cars, recreational vehicles (RVs), all terrain vehicles (ATVs) and boats.
Emergency road service, rental car reimbursement and mechanical breakdown insurance are available as optional insurance coverages with Geico-insured vehicles.
Travelers driving to Mexico will have to purchase a separate car insurance policy for their time in Mexico. Daily policies, 6-month policies and annual Mexican auto policies are all available from Geico.
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Average annual rate for good drivers:
$1,182
Average annual rate for drivers with a speeding ticket:
$1,579
Complaint level:
Low
Pros
- The number of complaints against GEICO are much lower than expected for an insurance company of its scope and size.
- It offers numerous discounts on products and services.
- The firm has a robust mobile app and online platform.
- Has one of the lowest overall average premiums in the US.
Cons
- High average rates for drivers with a DUI.
- You’ll have to look elsewhere if you want coverage features such as new car replacement, a vanishing deductible or rideshare insurance.
- Geico’s average discount for bundling auto and home insurance is rather low at 8%.
Details:
Grade from Collision Repair Professionals:
C-
Accident Forgiveness:
Yes
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
Discounts:
- Vehicle Equipment Discount – potentially save up to 23% on air bags, anti-theft systems, and other car features.
- Driving History & Habits – can save up to 22% for drivers who are accident-free for five years.
- Federal Employee (Eagle) and Military discount of up to 12%.
- Multi-Policy and Multi-Vehicle discounts for loyal customers.
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