Who should get Geico's Usage-Based Insurance?

If you already have a Geico policy, call customer service (800-207-7847) to ask about the additional affiliation discount of up to 8%. The discount is currently available to members of more than 800 partner organizations, and any organization with 50,000 or more active members is eligible for the program. Participating organizations include alumni associations, fraternities, sororities, colleges, universities, societies, charities, and large employers. To find out if your organization is among them, you can enter its name or browse through the categories on ... read full answerGeico’s website.

Popular Organizations with Geico Affiliation Discounts

• National Association of Federal Employees
• National Association of Government Contractors
• Texas A&M University
• National Peace Corps Association
• BJ’s Wholesale Club Members
• World Golf Tour

If you find an organization that you belong to in Geico's list, go to the organization’s website and sign in with your member credentials, if necessary. You can then go to the section on member benefits and find a link for a Geico insurance quote. Discounts vary by organization and state.

These affiliation partnerships help Geico market its products and expand its customer base. In return, organization members receive discounts on Geico insurance policies. The organizations also receive a fee from Geico for every member who requests a Geico quote, even if they don’t buy a policy.

Geico started using telematics to monitor participating customers’ driving habits electronically in 2019, when the company launched its DriveEasy program. Since then, Geico has expanded DiveEasy and its telematics program across 17 states and plans to offer access to more states in the near future.

Geico is testing the smartphone app in certain markets first because telematics programs are still pretty new to consumers. Only 10% to 15% of U.S. drivers had tried one, as of mid-2019.... read full answer

The Geico telematics app, DriveEasy, automatically detects when you’re driving without you having to open and close the app during trips. DriveEasy provides feedback on your driving and scores your habits to determine your discount. Currently, the app monitors:

• Distracted driving
• Hard braking
• Time of day
• Miles logged

Some of these behaviors impact your score more than others. Distracted driving and total driving distance are given the most weight since they are the most likely to increase your risk of an accident. Although the app logs both handheld phone calls and active phone use, it won’t penalize you for hands-free calls or mounting your phone on the dashboard to use the GPS.

The app can tell if you’re the driver or passenger by using your phone’s sensors and GPS location, so you won’t have other people’s driving habits affecting your score. If DriveEasy incorrectly makes you a driver on a trip, you are able to correct it.

Geico guarantees you’ll get the full discount just for participating, which could be as much as 20%. How much you’ll save for trying the app depends on your location. Feedback from the DriveEasy app won’t be used to increase your premiums, but your discount may be reduced based on your score. The user agreement does say that Geico can use information from the app as part of its investigation of a claim, though.

States Where Geico's DriveEasy Program is Available

Geico is so cheap because it sells insurance directly to consumers and offers a lot of discounts. Direct-to-consumer insurance sales eliminate the cost of middlemen and allow Geico to have significantly fewer local offices and agents than companies like State Farm and Allstate. Having a smaller agent network lowers Geico’s overhead costs, so they can pass those savings on to consumers.... read full answer

Average Monthly Rates for Geico vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in California; individual premiums will vary.

Every insurance company determines its rates differently, so even though Geico is among the cheapest car insurance companies, the best way to make sure you’re getting the cheapest rate is to compare quotes from multiple insurers.

To learn more, check out WalletHub’s review of Geico and see Geico’s full profile.