Geico is the second largest auto insurer in the U.S. The company was founded in 1936 and has grown to insure more than 28 million vehicles across more than 17 million auto policies. Here are a few other key things to know about Geico Insurance:
Offers auto insurance, home insurance, life insurance, and more
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GEICO Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 06/29/2022.
2.6
1,780 reviews
from WalletHub and across the web
1,780 reviews from WalletHub and across the web
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GEICO
caretakerduo @caretakerduo
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2 Star Rating
I am sorry to say after nearly 50 years of customer loyalty to GEICO, I am cancelling my auto insurance. I live in Virginia and I knew a rate hike was imminent. What with inflation, the cost of repairs on high end cars, it was bound to happen. But when I got my bill, I was shocked that they raised my rates almost 30%. Virginia was reported to have a rate hike between 6-13%. I would have understood that. My husband and I are over 65, our cars are old, we have discounts for good driving records, no accidents. They really couldn't come up with a good reason why our rates went sky high. I checked other companies and they were $600 a year less than GEICO. So long GEICO, don't let the door hit you on the way out........
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Product: GEICO Car Insurance
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GEICO
Katherinebusiness @Katherinebusiness
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1 Star Rating
GET INSURANCE LITERALLY ANYWHERE ELSE!
After getting rear ended GEICO told me the damage caused **in the exact spot my car was hit** was not caused by the accident and refused to pay repairs. Also, they will and legally can refuse to pay a body shop's prices and charge you the difference. I do not know how their business is legal, but the cheaper prices you get by switching is not worth it even a little bit if you get in any kind of accident.
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Product: GEICO Car Insurance
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GEICO
anneke_marvin @anneke_marvin
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1 Star Rating
Initially I was very pleased with Geico. In fact, I was so pleased that when my fiancé switched his car insurance, I recommended Geico to him and he took out a policy with them as well. However, when I purchased a home in NC and retained Geico to provide my homeowner's insurance, the problems started. Geico assumed my car was going to NC with me and moved my car insurance to NC. Honest mistake, however, I split my time between NC and CA, and my car was remaining in CA. It would've been nice to pay 50% less for car insurance, but I also didn't want to commit insurance fraud. So, I called Geico. They told me the issue had been fixed. Then I got a notice from the CA DMV saying my registration would be cancelled because I couldn't show proof of insurance in CA. I called Geico again. Again, I was told the issue had been fixed, but I would have to pay the difference in the two policies going back three months. I asked for it to be spread out across the 6 mos term. I was told that wasn't a problem and that the amount due would be updated in the app shortly. It had been sent to a manager named "Kevin" for approval. "Kevin" was out on vacation, but I was assured he would approve it when he came back the following week. The amount never updated. I called again. I spoke to a supervisor. I was told it was fixed again. Then, I got a notice in the app saying my insurance would be cancelled. I called again on a Tuesday - again, I spoke with a supervisor named Jessica. I was told it would be fixed "by Thursday". Are we sensing a trend here? Today is Friday - the day my policy is supposed to cancel. I had to call back...again. And I had to talk to a supervisor...again - Ivy, this time. She took my monthly payment and said the reason my payment plan hadn't been approved and updated was because I missed my May 21st payment. However, I couldn't pay my May 21st payment because it wasn't updated in the app as promised by "Kevin." Nobody called me or emailed me, nobody sent me a message in the app; there was zero communication with me from Geico's side to let me know. I have now spent a total of 4.5 hours on this mess. I figure at this point Geico owes me about $261 for my time. Also, minor, but I was told by two people my monthly payment would be $158.23, and I was told by two other people it would be 4162.94. It's four dollars, but just another illustration of the lack of consistency. Basically, this has been a huge circle jerk, with the left hand not talking to the right. I have never missed a payment before this, I have never even been late. This whole mess was caused by Geico making some assumptions in the first place and was perpetuated by their horrible internal communication. I am shopping around for new homeowners and auto insurance. I can't imagine the mess that would happen if I got in an accident and had to make a claim. I'd have to quit my job to manage the claims process. In 2022 with all the CMRs, inner-company DM systems, apps, email, etc. a lack of follow up and follow through like this is pretty horrible. 10/10 do not recommend Geico.
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Product: GEICO Car Insurance
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GEICO
Rose White @nurseemt19
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1 Star Rating
I have been with Geico Auto for three decades. I'd switched from Farmers to what I believed was a Geico Home Ins. It was the worst mistake ever. Policy is literally double the cost with Sagesure who I've never heard of. My deductible is $11,150.00 because of my community. They send letters of cancellation even after you confirm no payment due. Yes they are kind of the phone it is just not enough. Feeling very down now in NYC.
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Product: GEICO Home Insurance
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GEICO
Rick DeMilia @RMichaels
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1 Star Rating
Car accidents and all subsequent communications are handled by the assigned adjuster. Sounds good right? Problem is they never return a call nor do what is expected of them. Car was in the shop waiting on approval from the adjuster to authorize work. Repeated calls and voice mails were never returned. The adjuster finally called but only to inform me the rental period was over. Stay away
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Product: GEICO Car Insurance
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GEICO
latorry herring @bigtn5848
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1 Star Rating
I have been with Geico for over six months and everything was fine until I actually had to use the services I paid for. After my accident I called to have my car towed but Geico informed me through text that a towing company was on it way. After waiting for 2 hours with an estimated 1 hour arrival time I decided to call the towing company. The towing company never received a towing request from Geico. It turns out that they never had anyone available for towing services. Geico never even let me know that my towing request was cancelled and I had to get my own car towed. I thought that it was strange that Geico said that no one was available to tow my car when the first company I called was available immediately. Geico contracts there towing out at a $50 dollar rate but to tow my car to the repair shop they chose cost $125 so they passed the buck down to the customer. Even after all of this I had to call several times and complain to get reimbursed for the towing fee refund. I have car rental in my contract but since the earliest date for my car to be repaired was in nearly two-weeks, I had to wait the two-week period to get a car rental. Once again they have a $50 a day contract for enterprise so they passed the buck on the customer again for services we pay for monthly. As soon as I get my car back I will be going back to Allstate. Geico is a crappy insurance company based on my experience so they might be cheaper but you get what you pay for.
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Personal Info @daytonrt
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1 Star Rating
My family was in a small accident, no fault. The appraiser that came to our house walked around our vehicle a few times and took pictures. My wife spoke to the man at the end of his walk around our vehicle. He started talking about how the vehicle is still able to be driven (it wasn't). My wife asked about the power steering and the appraiser, Randy Lavalle, responded with, "Well what's wrong with the power steering?" My wife stated it was out and not working and the "appraiser" asks my wife if she turned it off. How do you just turn power steering off in a 2017 Grand Caravan, or any new car for that matter. I assumed someone who appraises cars could understand that concept or at least have a very base level working knowledge of vehicles. The accident was small and our van has been in the shop for over a month. The appraiser was slow to process everything so our rental ran out and I'm stuck bumming rides to work while the shop gets it fixed. Thanks Geico and Randy.
The appraiser called us Friday night, past 6pm, on Memorial Day holiday weekend to tell us we need to turn in our rental Saturday morning. When I confronted Randy about the incident in our driveway he starts shouting me down so my wife grabs the phone and he starts shouting her down because we were asking legitimate question like, "Why did you wait so long to process this and why were you so rude when you came to our house and why are you shouting us down right now". Randy didn't have any answers, and attempted to refute what we saw with our own eyes (RING CAMERA) and experienced first hand. Extremely unprofessional.
I called Geico immediately following that call and we were given the run around and told we can contact his supervisor directly, which we've already done. I assumed Geico would have a complaint department to handle these things, but based on how our claim went, we, as a paying customer, have been doing all the leg work for this claim. Geico is no different than any other insurance agency when their customer service is at this level. My family has been a Geico customer for over 5+ years and paid them thousands of dollars only to be treated like we are idiots and had to do all the calling around to make sure our vehicle was fixed (still isn't).
The rental car was delayed so we had to scramble for another family vehicle and then we received a small mustang and we have a big family so we spent time having to trade that out. Just stay away from Geico. We are changing policies because of this experience and if Geico reads this reviews, I'd love to actually give more details and provide video evidence and timelines so further shore up this complaint.
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Product: GEICO Car Insurance
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latorry herring @bigtn5848
I had a similar experience with them just recently. They just a crappy insurance company all-around in my opinion.
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GEICO
Tojfauj90 @Tojfauj90
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2 Star Rating
Representatives can’t answer questions and information on the website is different than what representatives can speak to. Multiple representatives hang up while keeping clients on hold. One representative Victor also hung up.
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Product: GEICO Car Insurance
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GEICO
Ashley Good @3tentertainment
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1 Star Rating
the Supervisors will back the Agents and that, there’s no need of me speaking with a Manager because they will back the Supervisors. This is a warning to steer clear of this company. By the time you realize that you’re being ripped off, it’s too late and Customer Service is not their priority.
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Product: GEICO Car Insurance
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GEICO
Terry Thompson @Wilsonwindows22
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1 Star Rating
Geico is awful. Good luck usuing their insurance should you ever need. Geico has terrible customer service should you ever need help. They are unreasonable robots who show no empathy towards their loyal customers. I would highly not recommend Geico ever. If you have a claim they will not help you. Ar Geico, the goal is to not give you any money and get you off the phone as quickly as possible. If you ask for a manager you will just get the same reply. Then another managers number and another and another. They just shuffle you around in hopes you just give up. It's pathetic. I have never been so let down by an insurance company. I was a loyal customer with no claims for over a decade. Do not use Geico. Avoid Geico at all cost. I never write reviews. But truly felt it necessary in this case. Again. Geico is terrible. Do not use Geico. They will not help you. I never wrote reviews either. But truly felt that this was necessary after my experience with Geico. Again. Do not use Geico.
Yes, Geico is good for home insurance. Geico offers home insurance in all 50 states and Washington D.C. through a network of partners, including AIG, Liberty Mutual, National General, and Travelers. Geico offers standard homeowners insurance as well as condo/co-op insurance, renters insurance, mobile home insurance, landlord insurance, and flood insurance. These policies provide coverage for damage caused by fire, severe weather, theft, and other “perils,” as they're called in the insurance industry.
Most mortgage lenders require proof of homeowners insurance. However, you may need more home insurance coverage from Geico if you live in an area where floods, earthquakes, or other natural disasters might occur.
Geico Home Insurance Coverage
Damage to your home. This may include apartments, condos and manufactured homes as well as permanent structures on your property.
Damage to personal belongings. This may include damage to furniture, clothing and electronics.
Theft of jewelry. This includes stolen - not lost - jewelry worth roughly $500 $2,000.
Personal liability exposure. This may include coverage for medical bills or legal fees in the event a visitor hurts themselves in your home or on a property you rent out.
Additional costs you may incur due to a covered loss. This may include a temporary residence or rental car if your home is uninhabitable or your car is damaged due to a cause specified in your policy.
You can get a free homeowners insurance quote for your home, condo, or apartment online or by phone at 1 800 841 2964.
To cancel a Geico insurance policy, the policyholder must call Geico to speak directly with a customer service agent. Customers cannot cancel their policies online or through the Geico mobile app. You may cancel your Geico insurance policy at any time. The cancellation can be made effective immediately or set for a future date. Geico does not charge a cancellation fee.
How To Cancel Your Geico Policy
There are a few easy steps to cancel your Geico insurance policy by phone. First, get your Geico policy number ready. Next, call Geico at 1-800-841-1587. When you are prompted by the interactive voice response system, say “cancel insurance policy” and then “auto,” if you're canceling your car insurance policy. Finally, you will be connected to a customer service agent, who will walk you through the cancellation process.
Before the cancellation is complete, you must pay off any remaining balance on your account. If you've already paid your entire premium for the policy period in full, Geico will refund the unused portion.
Things To Consider Before You Cancel Your Geico Policy
Keep in mind that you do not have to cancel your policy just because you're going through some life changes. For example, if you've moved or replaced your current vehicle, Geico can simply update the mailing address or vehicle information on your policy. Geico also allows military members to suspend their policy temporarily if their vehicle will be left unused and in storage for more than 30 days.
On the other hand, if you wish to cancel because you're switching to another auto insurance carrier, be sure to obtain a new policy before canceling your current one. This helps to prevent a lapse in coverage, which could potentially lead to higher premiums down the road.
No, Geico does not offer gap insurance. Unlike seven of the top 10 car insurance companies, Geico does not sell gap insurance, a specialty type of coverage that pays for the difference between a totaled car's value and the driver's loan or lease balance.
You have several options if you're a current Geico customer and are looking for gap insurance. You could switch insurers and purchase a policy from a company that does offer gap insurance (or loan/lease payoff coverage, which is similar), like Nationwide or Progressive. You could also maintain your policy with Geico and purchase gap insurance from a dealership or a stand-alone company. However, it's worth noting that dealership gap insurance is often the most expensive option, since it's usually rolled into your loan and charged interest.
For more information, check out WalletHub's complete guide to gap insurance.
Geico RV insurance includes liability, collision, and comprehensive coverage, similar to Geico car insurance. However, since an RV is really a combination of a vehicle and a home, Geico offers an enhanced coverage policy for property losses and special problems RV owners can face on the road.
Enhanced RV coverage is currently available in all states except Hawaii, Massachusetts, Michigan, and North Carolina.
Geico Enhanced RV Policy Coverage
Total loss replacement provides a new, similar RV if your RV is totaled and is less than 4 years old. If your RV is older, you'll receive the original price or actual cash value at the time of loss.
Replacement cost for personal effects covers items inside your RV, including valuables you take with you and major equipment such as refrigerators or generators.
Vacation liability covers injuries or property damage that happens to you or others at your RV vacation site.
Emergency expense coverage pays for hotels and transportation when something happens to your RV.
RV medical payments coverage pays for medical treatment after an accident, no matter who was at fault.
Other Key Things to Know About Geico RV Insurance
Geico's basic and enhanced RV insurance policies cover large motorhomes, van campers, and mini motor homes, as well as all types of towable travel trailers.
Premiums vary significantly based on an RV owner's state of residence and the size, age, and value of the RV. Geico, as well as other insurers, also factors in frequency of use, the value of an RV's contents, and the owner's driving record.
You can get an RV insurance quote from Geico's website. You also can call Geico RV insurance specialists at 1-877-GEICO-RV (434-2678).
Geico's umbrella insurance policy will cover claims that are beyond the financial limits or scope of your existing policies. It can add up to $1 million in additional liability coverage to car, boat, homeowners or professional insurance policies.
The average cost of a $1 million policy is less than $300 per year. If you can take advantage of Geico's multi-policy discount, or other discounts that you might be eligible for, you could bring the annual cost down to $100 or less.
Why Geico Umbrella Insurance Is Worth It
The Geico umbrella policy's additional liability coverage can protect you from a serious financial hit. If you injure someone or damage their property, your liability insurance pays the claim up to the limit written in your policy. But if the loss exceeds the limit and you don't have umbrella coverage, you'll have to pay the rest yourself.
For example, if someone gets hurt falling down your porch steps and wins a claim against you for $800,000, and your homeowners liability limit is $300,000, you may have to pay $500,000 out of your pocket. If you have Geico umbrella insurance, however, the policy would cover the difference.
Other Risks Covered by Geico Umbrella Insurance
Geico's umbrella insurance also covers your defense costs in case of a lawsuit and pays for many kinds of damages other policies don't. Examples include mental anguish, injuries caused by a pet, libel, injuries on a rental property, or even false arrest by a police officer.
Geico umbrella insurance offers generous coverage at a relatively low cost. You can get a personalized quote at (866) 272-5192 or on the Geico website.
