2026 GEICO DriveEasy Review

GEICO may have raised your rates because of changes to your policy or circumstances. Examples include adding a new type of coverage, becoming eligible for an additional type of discount, being involved in an accident, or buying a new car. Recent economic trends have also driven up auto insurance costs overall, and GEICO's average premium has increased over the past few years.

Possible Reasons Why Your GEICO Insurance Went Up

• Changes in your coverage
• Loss of discounts
• Speeding tickets and other moving violations
• Accidents, both at-fault and not-at-fault
• Moving
• Getting married
• Adding vehicles
• Adding drivers
• Entering a higher-risk age range

How to Lower Your GEICO Insurance Rates

1. Opt for cars with safety and security features. These may include airbags, anti-lock brakes, anti-theft systems, and engine cut-off systems. Vehicles with these features have a lower likelihood of being involved in an accident or being stolen. GEICO also offers discounts for vehicles with anti-theft systems.
2. Look for discounts. Check the variety of discounts that GEICO offers and see which ones you are eligible for. Discounts are offered to members of alumni, educational, and professional organizations that work with GEICO, drivers who take defensive driving courses, federal employees and more.
3. Bundle your insurance policies. If you purchase auto insurance and home or renters insurance from GEICO, you can receive a discount on your premiums.
4. Raise your auto insurance deductible. Generally, opting for a high deductible results in low insurance premiums. However, do not set your deductible higher than what you could afford to pay out of pocket in the event that you need to file a claim.

If your car insurance has gone up, you should definitely compare quotes from at least two or three other insurance companies to see if you could get a lower rate elsewhere.

Yes, GEICO uses telematics with DriveEasy, a program that tracks your driving habits using a mobile app. You can get a discount of up to 20% if you sign up for DriveEasy and drive safely. The better you drive, the more you can save with GEICO.

How GEICO's DriveEasy Works

• Tracks distracted driving, hard braking, cornering, smoothness of driving, miles driven, road type, weather, speed, and the time of day that you...

No, GEICO does not offer a specific low mileage discount. GEICO premiums do take mileage into account, however, as rates are an average of 27% lower for customers who drive 7,500 miles annually than for customers who drive 15,000 miles annually, according to WalletHub data.

Low mileage drivers usually save on their GEICO premium because less time on the road means a smaller chance of filing a claim. Besides offering lower premiums for low mileage...

No, GEICO does not offer pay-per-mile insurance. Instead, GEICO has a usage-based insurance program called DriveEasy that takes mileage into account, along with driving habits such as hard braking and distracted driving, when determining your premium. Registering for GEICO's usage-based insurance program could save you money if you're a good driver who isn't on the road too much.

DriveEasy vs. Other Insurance Options

The GEICO DriveEasy app monitors driving habits like speeding, hard...

GEICO offers several discounts that reward safe driving with reduced premiums. One GEICO safe driver discount is available to policyholders who complete state-approved defensive driving classes. The program is available in all states except North Carolina, Michigan, Massachusetts, Vermont, and Hawaii. Every state has different rules for approved defensive driving courses and discount eligibility, but drivers can expect to save 5% to 20%. A 10% discount is most common with GEICO.

Even though GEICO's defensive driving discounts...

The GEICO good driver discount is up to 22% for qualifying policyholders. To qualify for the GEICO good driver discount, drivers must be accident-free for five years. This can even include time that you've been insured by another company.

After you get into an accident, you will have to wait five years in order to qualify for the discount again. Additionally, accidents that are forgiven by GEICO accident forgiveness still count against your good driver...

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

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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...

Yes, GEICO does offer a defensive driving course discount. Eligible drivers who complete a GEICO-approved defensive driving course can get a discount of up 10% on their GEICO car insurance premium, depending on their state of residence. GEICO-approved online defensive driving courses typically cost between $12 and $25.

Why a GEICO Defensive Driving Course Is a Good Idea

In general, GEICO defensive driving courses improve students' driving skills by teaching them how to...

GEICO does not currently offer a dash cam discount. GEICO has discounts for cars with certain safety features, but a dash cam is not one of them. Features like air bags, anti-lock brakes, anti-theft systems, and daytime running lights earn discounts on various coverage types. Anti-lock brakes, for example, could save you 5% on collision coverage.

No major U.S. insurance company has a discount for drivers with a dash cam in their car. Instead, insurers are using...