Introduction
GEICO — short for Government Employees Insurance Company — is one of the most recognized insurance providers in the United States. Known for its catchy advertisements and the famous GEICO gecko, the company is more than just a marketing success. GEICO offers a wide range of insurance products, affordable rates, and strong customer service, making it a go-to option for millions of Americans.
About GEICO
Founded in 1936, GEICO originally served U.S. government employees and military personnel. It has since expanded to serve the general public and is now the second-largest auto insurer in the U.S., behind State Farm. GEICO is a wholly owned subsidiary of Berkshire Hathaway, Warren Buffett’s multinational holding company.
GEICO is best known for its auto insurance, but it also provides many other types of coverage.
Types of Insurance GEICO Offers
1. Auto Insurance
GEICO’s core product includes:
- Liability Coverage
- Collision and Comprehensive
- Medical Payments (MedPay)
- Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist Coverage
- Rental Reimbursement
- Roadside Assistance
2. Motorcycle Insurance
Covers bikes, scooters, ATVs, and more. Includes custom parts and accessories.
3. Homeowners and Renters Insurance
Provided through partner companies. Covers damage to property, liability, and personal belongings.
4. Condo and Mobile Home Insurance
5. Life Insurance
Offered through third-party affiliates. Includes term and whole life policies.
6. Business Insurance
GEICO offers commercial auto and small business liability insurance.
7. Pet Insurance
In partnership with Embrace, covers veterinary bills for cats and dogs.
8. Overseas Insurance
For military members or government employees stationed abroad.
How to Get a GEICO Insurance Quote
GEICO is known for its fast, user-friendly online quoting system. Here’s how to get a quote:
- Visit geico.com
- Choose your insurance type (auto, renters, etc.)
- Enter basic information (name, address, vehicle or property details)
- Select coverage options and desired limits
- Review your personalized quote
Quotes are also available via phone or local GEICO agents.
Discounts Offered by GEICO
GEICO is competitive with discounts that can help reduce your premium significantly:
- Multi-Vehicle Discount
- Bundling (Auto + Home/Renters)
- Safe Driver Discount
- Military Discount
- Federal Employee Discount (Eagle Discount)
- Good Student Discount
- Defensive Driving Course Discount
- Vehicle Safety Features (airbags, anti-theft, etc.)
- Emergency Deployment Discount (military)
GEICO Mobile App Features
GEICO’s mobile app is one of the highest-rated insurance apps, offering:
- Digital ID cards
- Claim filing and tracking
- Roadside assistance requests
- Bill payment
- Policy updates
- Vehicle maintenance reminders
Pros of GEICO Insurance
✅ Competitive Pricing
GEICO is known for some of the lowest auto insurance rates among major carriers.
✅ Fast, Easy Quotes
The website and mobile app make it simple to get quotes and manage your policy.
✅ Wide Range of Discounts
GEICO offers discounts for good drivers, students, military, and more.
✅ Strong Financial Stability
Backed by Berkshire Hathaway, GEICO is financially solid and reliable.
✅ Nationwide Availability
Policies available in all 50 states and D.C.
✅ Excellent Claims Process
Online and mobile tools make filing claims fast and efficient.
Cons of GEICO Insurance
❌ Limited Local Agents
GEICO relies heavily on online service. Fewer in-person options than companies like State Farm or Allstate.
❌ Home and Life Insurance Not Directly Underwritten
These policies are offered via third-party partners, which may mean different customer experiences.
❌ Mixed Customer Service Reviews in Some Areas
While most reviews are positive, some customers report delays or miscommunication.
GEICO vs. Other Insurance Companies
| Feature | GEICO | State Farm | Progressive | Allstate |
|---|---|---|---|---|
| Best For | Low rates, digital tools | Personalized service | Price comparison | Add-on coverages |
| Local Agents | Few | Many | Some | Many |
| Mobile App | Excellent | Good | Good | Good |
| Bundling | Auto + Property via partners | Auto + Property | Auto + Property | Auto + Property |
Who Should Choose GEICO?
GEICO is ideal for:
- Drivers with clean records
- Tech-savvy users who prefer managing policies online
- Budget-conscious individuals
- Military personnel and federal employees
- Students and young drivers looking for discounts
It may not be the best fit for those who want in-depth guidance from a local agent or need extensive bundled coverage under one insurer.
Tips for Saving with GEICO
- Bundle auto with renters or homeowners insurance
- Take a defensive driving course
- Use the GEICO app to track driving behavior (if eligible)
- Maintain a clean driving record
- Ask about any occupation- or education-based discounts
- Pay premiums in full instead of monthly to save on fees
Conclusion
GEICO is a top choice for millions of Americans seeking affordable, dependable insurance coverage. With a strong digital presence, a wide range of coverage options, and competitive pricing, it remains a leader in the insurance space.