Average cost: $$
Number of discounts: 16
Usage-based insurance: DriveEasy in 26 states
Geico is our first choice for the best car insurance in the nation. The company offers reputable service, a wide selection of coverage, and cheap car insurance rates, according to our rate estimates.
Besides the standard coverage options, Geico offers helpful add-ons such as:
- Emergency roadside assistance
- Rental reimbursement
- Mechanical breakdown insurance (MBI)
- Rideshare insurance
Geico received an A++ (Superior) rating from AM Best , meaning the company has the financial backing to pay customers’ insurance claims. A larger auto insurer like Geico comes with more financial stability compared to a smaller, local company.
Geico also has a strong customer service reputation. According to the J.D. Power 2021 U.S. Auto Insurance Study SM , Geico performed better than average in California and the Central and New England regions. The study surveyed customers on their satisfaction with claims, billing, price, policy, and more. Additionally, our January 2022 insurance survey which polled 1,000 respondents found nearly 12% chose Geico as their insurance provider.
Regarding cost, Geico’s rates are some of the most affordable we’ve seen. Our rate estimates show that drivers pay about $1,350 per year on average for full coverage car insurance from Geico. These rate estimates apply to 35-year-olds with good credit and driving records. Our estimates put Geico in the top three companies for affordability compared to other national providers.
On top of that, the insurer offers a number of ways to save money, including a good driver discount (up to 26% off), a good student discount (up to 15% off), and a multi-vehicle discount (up to 25% off).