Geico Review
Affordability & Easy App
The Verdict
Geico is the second-largest auto insurer in the U.S. and arguably the most famous for a reason: they are often the cheapest option for standard drivers. By operating primarily online and cutting out the "middleman" agent fees, they pass savings on to you. If you want a policy you can manage entirely from your phone without ever talking to a human, Geico is the gold standard.
Pros
- Consistently one of the lowest priced carriers
- Rated #1 Mobile App in the industry
- A++ Financial Stability (Backed by Berkshire Hathaway)
- Federal Employee Discounts
Cons
- No Gap Insurance offered
- No local agent network (Call center only)
- Rates can spike after an accident
The Mobile Experience
Geico's app is arguably the best in the business. It's not just for paying bills; you can:
- View Digital ID Cards: Even offline.
- Request Roadside Assistance: Like Uber, you can track the tow truck on a map.
- File a Claim: Upload photos of damage in minutes.
Who is Geico Best For?
Geico is perfect for the "Digital Native" driver:
- Tech-Savvy: You prefer texting over calling.
- Safe Drivers: Who want the lowest base rate without needing a telematics device (though they have DriveEasy too).
- Military/Federal: They offer specifc discounts for government employees, second only to USAA.