Geico Discounts List

To get a Geico quote online, simply visit Geico's website. You'll be able to get quotes for 26 kinds of Geico insurance, including auto, property, life, travel, pet, and business insurance.

How to Get a Geico Online Quote

1. Go to www.Geico.com
2. Click the button for the insurance type you want
3. Click “Start Quote”
4. Answer the questions
5. Wait for your emailed quote

More Information About How to Get a Geico Online Quote

If you want to get a Geico auto insurance quote online, look for the car symbol at the top of the page, enter your zip code in the box next to it, and click the button labeled “Start Quote.”

You'll be asked a series of questions, starting with “How can Geico help you today?” Then, you'll fill in information about yourself, including your age, education, occupation, and any driving violations or accidents in your recent past. You'll also answer questions about your car, its usage and mileage, and your current insurance, if any. Finally, you will note any other members of your household that need to be on your policy.

Give Geico your email address and you'll get a quote back from them in about 15 minutes. They will base the quote on your state's minimum coverages and the information you provide. You will also have the option of going to a “build your own quote” tab if you want to see how changing coverage and deductibles in this baseline policy would affect your premiums.

If you have problems with Geico's online quote system, or you'd prefer to speak with a representative, you can also get a quote through a local Geico agent or by calling (800) 207-7847. Plus, Geico auto insurance customers can get personalized quotes for other types of insurance through the Geico app.

Geico offers travel insurance that covers both U.S. and international trips. You can purchase AirCare flight insurance from Geico to cover air travel only, or ExactCare travel insurance to cover more types of travel situations. Geico travel insurance typically costs 5% to 10% of your trip's total price. The specific amount depends on factors such as your age, the cost and length of your trip, your destination, the amount of coverage you choose, and the number of people the policy will cover.

Geico AirCare Travel Insurance Coverage

• Flight cancellations
• Lost or delayed baggage
• Flight departure delays
• Tarmac delays
• 24/7 emergency travel assistance

Geico ExactCare Travel Insurance Coverage

• All AirCare travel insurance benefits
• Trip cancellation
• Trip interruption or delay
• Medical expenses
• Emergency evacuation

Travel policies sold through Geico are written by Berkshire Hathaway Travel Protection (BHTP). You can get a personal quote for your trip by calling BHTP at (844) 810-1598 or emailing [email protected]

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 Geico'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 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.

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.

You can lower your Geico car insurance costs by taking advantage of Geico discounts, opting for a higher deductible, and reducing your coverage, among other things. Geico considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.

How to Lower the Cost of Car Insurance from Geico

Use Geico's auto insurance discounts

Geico offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 15% if they insure a car that's three years old or younger. Or you can save up to 25% on your premium if you insure more than one car with Geico.

Raise your car insurance deductible

Opting for a higher deductible on any of your insurance policies from Geico can lower your premium. But if you decide to go this route, it's important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state. Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it's important to approach coverage decisions with caution.

Improve your driving record

Practicing safe driving habits and avoiding moving violations can help you qualify for lower Geico insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Geico even offers a maximum 15% discount to drivers who take an approved defensive driving course.

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, Geico uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Geico premium.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Geico to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Sign up for DriveEasy

DriveEasy, the Geico telematics program rewards you for good driving with a discounted premium. Specifically, DriveEasy tracks distracted driving, hard braking, cornering, smoothness, road type, distance driven, weather, speed, and the time of day that you drive. By using DriveEasy, drivers can save up to 25% on their rate.

Finally, if you're still struggling to afford your Geico policy, you should consider switching insurers. Even if you're not actively looking for a new policy, it's generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub's guide to switching car insurance companies.

The Geico alumni discount is a type of affiliation discount available to alumni of more than 400 colleges and universities, as well as members of 200+ alumni associations and other organizations affiliated with higher education. The discount could save you as much as 8%, but it varies based on the organization and your state.

Only one affiliate discount can be applied per policy. That means if you and your spouse went to different universities, it's worth checking which one has a bigger discount.

Notable Groups Eligible for Geico Alumni Discounts

• Alumni of 400+ colleges and universities, from Arizona State to Xavier University.
• Members of 70+ college and university alumni associations, from the American University Alumni Association to the Western Kentucky University Alumni Association.
• Alumni of schools in 20+ college sports conferences, from the ACC, Big East and Big-12 to the Ivy League, Pac-12 and Western Athletic Conference.
• Members of 90+ fraternities, sororities, and honor societies – like Kappa Sigma, Delta Gamma, and Phi Kappa Phi.
• Members of 70+ educational organizations, such as the American Medical Student Association and the American Association of Community Colleges.

If an organization you belong to is on Geico's list, you can see the alumni discount applied to your new policy in an online quote. You may need to enter your organization's credentials to get the discount in some cases. If you already have a Geico policy, call customer service at 800-207-7847 to have it applied to your account.

Geico does not have a marriage discount. Geico does, however, tend to offer lower rates to married couples over single people. Married couples also tend to qualify for more discounts, like Geico's multi-car and multi-policy discounts.

Married couples tend to be more careful and consistent, which translates to fewer accidents and less risk for the insurance company. Getting married should not cause your rates to go up, as a result, but there are exceptions. If your new spouse has a poor driving record or is considered a higher risk to insure for another reason, you could pay much more.

As you age, the amount you save just for being a married couple will decrease. After middle age, you may find the savings go away altogether because you both have a higher risk of getting into an accident as seniors.

This is how Geico quotes were affected by a single driver in a 2017 Honda Accord getting married to a partner of the same age.

Do I have to add my spouse to my car insurance with Geico?

You will have to add your spouse to your car insurance policy in almost all cases. Insurance companies are usually required by law to make policy information available to spouses. Your partner could be held financially responsible for an accident you caused, because you have shared ownership in each other's assets. It's also assumed that married couples will inevitably end up sharing vehicles, and most insurers require all licensed members of the household be listed on your policy. Even if you could avoid adding your spouse to your car insurance, it's very unlikely you would save money by keeping separate policies.

You should notify Geico that you have gotten married and merge policies with your partner as soon as possible, especially if you're young and moving of your parents' home permanently. Most insurance companies consider marriage an official break from your parent's policy, since it's assumed you won't be living at the same address anymore and will register your own vehicles. You don't want to risk a lapse in coverage because your insurer dropped you from a parent's policy before you could get coverage with your spouse.

Geico is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $462 per year, the average Geico car insurance policy is actually cheaper than coverage from most competitors. In fact, Geico is one of the cheapest car insurance companies nationally.

Even though Geico offers cheaper-than-average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $1,544 per year for Geico insurance, compared to $462 per year for older drivers. Additionally, drivers who recently had an at-fault accident pay an average of $826 per year for Geico coverage, which is 79% more than drivers with a clean record.

Factors That Can Make Geico Insurance More Expensive

• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your Geico insurance, there are ways for you to lower your rate. For example, you can take advantage of Geico discounts or reduce your coverage.

In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Geico is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's Geico review.

You can get Geico teenage driver discounts by having good grades, taking a driver's education course, or being a member of certain organizations. Geico car insurance policies for teens cost an average of N/A in California, for example, but discounts can help teens save up to 23% on their premiums.

Geico Discounts for Teenage Drivers

Good Student Discount

Teen drivers who are full-time high school or college students with a 3.00 + GPA or at least a B average can qualify for a good student discount with Geico.

The Geico good student discount can save teen drivers up to 15%.

Driver's Education Course Discount

Teenage drivers who complete a certified driver's education course may be eligible for a discount.

Geico does not disclose exactly how much a driver's education course may save teen drivers, but the skills a teen will learn from a driver's education course will help them develop safe driving habits, keeping their premiums low in the long run.  

Membership or Affiliation Discount

Membership in certain fraternities, sororities, or honor societies may qualify teen drivers for exclusive discounts. Some qualified organizations that Geico offers discounts for are Alpha Kappa Alpha, Sigma Chi, and Phi Beta Kappa.

Teenage drivers may also qualify for other discounts from Geico, depending on their policy, such as anti-lock brake discount, military discount, and anti-theft device discount.

To learn more about how to save on car insurance for teenage drivers, check out WalletHub's picks for the cheapest car insurance for teens.

Geico offers a defensive driving discount in 37 states for drivers aged 50 and older who complete an approved defensive driving course. In eight additional states, a similar discount is available for drivers of all ages. But like all major car insurance companies, Geico does not have a senior discount that automatically lowers rates for all older drivers.

In addition to the defensive driving discount, senior drivers can take advantage of other discounts in order to lower their premium. For example, Geico offers multi-policy discount, which gives a discount to drivers who have another Geico policy in addition to their car insurance.

To learn more, check out WalletHub's guide to Geico discounts.