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Geico Auto Insurance Review
We give Geico a rating of 9.1 out of 10 and name it Best for Budget-Conscious Drivers in 2024. The provider ranked sixth overall in our in-depth industry review for the best car insurance companies, sitting slightly behind State Farm and USAA.
Our Rating
9.1/10
Key Takeaway
Geico’s affordable rates and 16 car insurance discounts make it a cheap option for many drivers.
Pros and Cons of Geico Auto Insurance
Pros
A++ financial strength rating from AM Best and A+ rating from the Better Business Bureau (BBB)Low car insurance rates for most driversHigh policy limitsUsage-based insurance discountHighly rated mobile app
Cons
Average J.D. Power claims ratingsNot always the cheapest for people with poor credit or recent accidentsFewer local agents than other companies
Geico Insurance Rating
The table below shows our ratings for Geico’s performance across our five key categories of cost, coverage, industry standing, availability and customer experience:
| Ratings Category | Score |
|---|---|
| Reputation | 9.7 |
| Availability | 10.0 |
| Coverage | 8.4 |
| Cost | 9.1 |
| Customer Experience | 8.8 |
| Overall Rating | 9.1 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Is Geico Insurance Good?
- Customer satisfaction: Geico scored below average in the J.D. Power 2023 U.S. Insurance Shopping Study with 857 points.
- Claims satisfaction: Geico scored below average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study with 871 points.
- Complaint index: Geico customer complaints are considered average for a car insurance company, according to the National Association of Insurance Commissioners (NAIC).
- Financial strength: Geico received a superior score from AM Best for its financial sustainability, with an A++ rating.
Why Geico Is a Good Option
Overall, we found that there are several reasons why you should consider Geico for car insurance coverage. The insurer has some of the most affordable rates — our research found that Geico’s average rates tend to be 26% cheaper than the national average of $2,508 for good drivers. This is in addition to the savings that drivers can get by participating in the company’s discount offerings.
As one of the U.S.’s largest car insurance companies, Geico is readily available across the country. In addition, Geico is the only insurance provider we found that provides mechanical breakdown insurance, which is similar to an extended car warranty. Drivers can also participate in Geico’s DriveEasy program, which is a usage-based telematics program offering premium reductions to good drivers.
Where Geico Falls Short
In our research, there were a few areas we found where Geico fell short compared with its competitors. The insurer does not offer guaranteed asset protection (GAP) insurance, which protects you if your car is written off or totaled by paying the remaining difference between the actual cash value of a vehicle and the balance still owed through financing.
In addition, Geico falls short in several consumer studies conducted by J.D. Power. Finally, the company does not have as wide of a network of local agents as other companies such as State Farm.
Geico Insurance Comparison
Since Geico is one of the largest car insurance companies in the nation, we wanted to see how it stood up to other companies side-by-side. The table below highlights how the top auto insurance companies compare when stacked up against Geico.
| Comparison | Geico Insurance Rating vs. Competitors | Bottom Line |
|---|---|---|
| Geico vs. Progressive | 9.1 vs. 9 | Progressive offers more coverage options than Geico, but Geico has lower average rates. |
| Geico vs. State Farm | 9.1 vs 9.4 | Geico provides drivers with more discount opportunities and State Farm has higher satisfaction ratings from consumer studies. |
| Geico vs. Liberty Mutual | 9.1 vs. 9.1 | Liberty Mutual has better programs for younger drivers, while Geico is best for budget-conscious drivers. |
| Geico vs. Allstate | 9.1 vs. 8.8 | Allstate has higher coverage ratings, but we found Geico is a more affordable provider. |
| Geico vs. USAA | 9.1 vs. 9.2 | USAA has higher coverage ratings, while Geico has higher availability ratings. |
| Geico vs. AAA | 9.1 vs. 8.6 | Geico is a nationwide provider of car insurance, while AAA can only be purchased through a member club. |
| Geico vs. Farmers | 9.1 vs. 8.6 | Geico has a higher cost score, while Farmers has a better customer experience rating. |
Read more: Compare car insurance
How Much Does Geico Car Insurance Cost?
Geico has the third lowest premiums for liability insurance on average, which is 25% more expensive than the lowest rate from Auto Owners, according to our research:
| Car Insurance Company | Average Monthly Cost Estimate | Average Annual Cost Estimate |
|---|---|---|
| Auto-Owners | $30 | $358 |
| Erie | $33 | $390 |
| Geico | $38 | $461 |
| State Farm | $44 | $523 |
| Nationwide | $44 | $531 |
| American Family | $68 | $810 |
| Progressive | $58 | $697 |
| Allstate | $71 | $854 |
| Travelers | $54 | $648 |
| **USAA | $32 | $387 |
*The average rates above are for 35-year-old drivers with good credit and clean driving records.
**While USAA has the cheapest overall liability rates, coverage is only available to military members, veterans and their families.
Geico Full Coverage Cost vs. Competitors
Geico has the third lowest car insurance rates on average after Nationwide and Erie, based on our cost estimates from Quadrant Information Services. Its comprehensive coverage rates are $163 more expensive than Nationwide:
| Car Insurance Company | Average Monthly Cost Estimate | Average Annual Cost Estimate |
|---|---|---|
| Nationwide | $119 | $1,433 |
| Erie Insurance | $122 | $1,458 |
| Geico | $133 | $1,596 |
| Auto-Owners Insurance | $135 | $1,619 |
| State Farm | $138 | $1,657 |
| American Family | $154 | $1,851 |
| Progressive | $169 | $2,030 |
| Travelers | $133 | $1,595 |
| Allstate | $217 | $2,598 |
| **USAA | $126 | $1,512 |
*The average rates above are for 35-year-old drivers with good credit and clean driving records.
**While USAA has the cheapest full coverage rates, coverage is only available to military members, veterans and their families.
Why Is My Geico Insurance So Expensive?
While Geico’s rates are lower than the average, there are instances where some drivers may pay more for coverage than others. As with any car insurance company, the car insurance quote you receive from Geico will depend on a variety of factors, some of which are in your control.
The most common factors that affect car insurance rates are your:
- Location
- Vehicle
- Age
- Gender and marital status
- Driving history
- Credit history
Understanding what factors influence car insurance rates can help ensure you receive the best deal possible. For example, if you’re a young driver or you don’t have a good driving record, you’ll typically pay more for an auto insurance policy.
If you have poor credit, you’ll likely pay more for car insurance unless you live in California, Hawaii, Massachusetts or Michigan — where credit is not allowed as a car insurance cost factor.
Geico Car Insurance Rates
Here are some rate estimates based on these factors:
| Driver Profile | Geico Average Monthly Cost | Geico Average Annual Cost | National Average Annual Cost |
|---|---|---|---|
| 35-year-old driver with good credit and driving history | $133 | $1,596 | $2,008 |
| 25-year-old driver with good credit and driving history | $151 | $1,807 | $2,336 |
| 35-year-old driver with poor credit | $216 | $2,592 | $3,829 |
| 35-year-old driver with a recent accident | $225 | $2,694 | $2,919 |
| 35-year-old driver with a DUI | $303 | $3,641 | $3,431 |
While Geico tends to charge significantly less on average than the national average for car insurance, your age significantly impacts your specific rate. The younger you are, the more you will typically pay for coverage. Below, we break down Geico car insurance rates for different age groups.
Geico Car Insurance Rates For Teen Drivers
Geico’s full-coverage rates for teenage drivers average between $5,307 and $2,485 per year. Far below the national average of $5,465 per year, Geico’s rates for this age group are fourth lowest overall:
| Age | Geico Average Monthly Cost | Geico Average Annual Cost | National Average Cost |
|---|---|---|---|
| 16 | $442 | $5,307 | $7,581 |
| 17 | $304 | $3,646 | $5,612 |
| 18 | $263 | $3,161 | $4,958 |
| 19 | $20 | $2,485 | $3,708 |
Geico Car Insurance Rates For Young Adults
Geico has affordable rates for young adult drivers, coming in about $600 less than the national average. Its rates are the fourth cheapest for young drivers behind Nationwide, Travelers and Erie Insurance.
| Age | Geico Average Monthly Cost | Geico Average Annual Cost | National Average Cost |
|---|---|---|---|
| 21 | $154 | $1,844 | $2,786 |
| 25 | $151 | $1,807 | $2,336 |
Read more: Best car insurance for teens and young drivers
Geico Car Insurance Rates For Adults
Adult drivers pay an average of $1,544 for full coverage car insurance with Geico. This average is about $355 less than the national average of $1,899. Overall, we found that Geico tends to be the fourth or fifth cheapest car insurance for adults by age, typically falling behind companies such as Nationwide, Erie Insurance, Travelers and Auto-Owners.
| Age | Geico Average Monthly Cost | Geico Average Annual Cost | National Average Cost |
|---|---|---|---|
| 35 | $133 | $1,596 | $2,008 |
| 45 | $132 | $1,581 | $1,923 |
| 55 | $121 | $1,457 | $1,767 |
Geico Car Insurance Rates For Seniors
At $1,342 per year, Geico’s average rates for seniors are the second cheapest in the industry and $400 cheaper than the national average:
| Age | Geico Average Monthly Cost | Geico Average Annual Cost | National Average Cost |
|---|---|---|---|
| 65 | $102 | $1,227 | $1,648 |
| 75 | $121 | $1,457 | $1,912 |
Geico Car Insurance Discounts
Compared to other top providers, Geico typically has more auto insurance discounts, including special savings for military service members and federal employees. Policy deductions for each discount vary.
Geico Car Insurance Deals
Below are the discounts and deals offered by Geico car insurance.
| Geico Discount | What It Covers |
|---|---|
| Multi-policy | Get a discount on your insurance premium when you bundle home, renters insurance or other insurance products with an auto policy. |
| Multi-vehicle | Save up to 25% when you add a second vehicle to your policy. |
| New car | Earn up to 15% off your policy if your vehicle is three model years old or newer. |
| Good driver | Receive a discount of up to 22% off your policy if you’ve been accident-free for five years. |
| Defensive driving course | Lower your premium if you take a defensive driving course. |
| Good student | Get a discount of up to 15% for maintaining good grades. |
| Driver’s education course | Earn a discount when you take a driver’s education course. |
| Military | Receive a discount of up to 15% if you are on active duty, retired from the military, or a member of the National Guard or Reserves. |
| Emergency deployment | Save up to 25% when you are part of an emergency deployment to an imminent danger zone. |
| Federal employee | Get up to 12% off your car insurance premium if you’re a federal employee. |
| Seat belt use | Earn a discount off medical payments (MedPay) or personal injury protection (PIP) coverage if you and your passengers use seat belts. |
| Air bag | Receive up to 23% off your policy if you have air bags in your car. |
| Telematics | Geico offers a discount for signing up for DriveEasy, which is a usage-based policy. With DriveEasy, you can get further discounts for safe driving (more below). |
| Anti-lock brakes | Get a 5% discount on certain car insurance coverages if you have an anti-lock braking system. |
| Anti-theft system | Save up to 23% on comprehensive car insurance if you have an anti-theft system installed. |
| Daytime running lights | Earn a 3% discount on certain car insurance coverages if your vehicle is equipped with daytime running lights. |
Geico DriveEasy Discount
Geico gives an initial discount for signing up for its DriveEasy program, which is a telematics policy that monitors your driving habits. If you’re found to be a safe driver, you can receive a discount of up to 25% off your initial policy. Keep in mind that telematics programs can end up raising your premium if you don’t drive safely.
How Does DriveEasy Work?
DriveEasy monitors your driving through a mobile app and tracks the following behaviors:
- Hard braking
- Distracted driving (phone use)
- Cornering
- Acceleration smoothness
- Road type
- Distance driven
- Time of day
DriveEasy is available in the following states and areas:
| Alabama | Arizona | Arkansas | Colorado |
| Connecticut | Washington D.C. | Florida | Georgia |
| Idaho | Illinois | Indiana | Iowa |
| Louisiana | Kentucky | Maryland | Michigan |
| Minnesota | Missouri | North Carolina | Nebraska |
| Nevada | New Jersey | New Mexico | Ohio |
| Oklahoma | Oregon | Pennsylvania | South Carolina |
| Tennessee | Texas | Utah | Virginia |
| Washington | West Virginia | Wisconsin |
Geico Customer Satisfaction
Based on our research, Geico policyholders are generally satisfied with the company. Many customers praise the company’s knowledgeable insurance agents, easy claims process and billing policies.
Below, you can see how the respondents to our Geico study expressed their satisfaction with the insurer, along with general information on how the company scored in industry studies and on the BBB site from customers.
Geico Customer Survey
In August 2022, we conducted a nationwide car insurance satisfaction survey that polled 6,923 people. Of those who participated, 16% of respondents reported they had a Geico car insurance policy, making it the third-most-popular provider in our survey
Geico Auto Insurance Customer Service Ratings
Here’s how Geico customers rated the company compared with the overall average from our survey:
| Category | Geico Average | Insurance CompanyIndustry Average |
|---|---|---|
| Overall customer satisfaction | 4.1 | 4.2 |
| Affordability | 3.7 | 3.7 |
| Discounts and savings programs | 3.7 | 3.7 |
| Selection of coverage and add-ons | 3.8 | 3.9 |
| Car insurance shopping process | 3.9 | 3.9 |
| Company website | 4.0 | 3.9 |
Geico Claims Satisfaction
We found that 40% of Geico policyholders had filed a claim. Overall, the respondents who had a Geico insurance policy were happy with the company’s customer service during the claims process, giving the company a 4.2-star rating out of 5.
Additionally, participants gave the company a 4.1-star rating for claims satisfaction.
Geico Insurance Reviews: J.D. Power
Geico scored slightly below average in the J.D. Power 2023 U.S. Insurance Shopping Study, with a score of 857. The average for large insurers was 861. The study polled customers to determine satisfaction with each stage of the shopping experience.
Our team reached out to Geico for a comment on these scores but did not receive a response.
Geico Customer Ratings
While reviews are generally positive, some negative reviews do exist. We found common themes of complaints to include long wait times when contacting customer service and a lack of communication between insurance adjusters, repair shops and customers when dealing with damages.
Geico Insurance Reviews: BBB
Geico has an A+ rating from the BBB with 1.1 stars out of 5 from customers. While this may seem like a low rating, only a little over 1,000 customers have left reviews for the company, which is a very small fraction of its customer base. National car insurance companies receiving low customer review scores on the BBB is actually pretty typical.
Geico Car Insurance Reviews: Reddit
Though it’s not necessarily a review site, many drivers seek advice from threads on the news aggregator and discussion site Reddit. We looked for Geico reviews on Reddit to see how internet users talked about the insurer in a more casual setting.
Many of the positive reviews on Reddit mention the company’s low rates and easy claims process. Users who had negative experiences with Geico cited poor customer service and higher rates than they expected.
Our review team reached out to Geico for a comment on these negative reviews but have not yet received a response.
Geico Car Insurance Mobile App
Geico’s mobile app for filing insurance claims and viewing policy details is highly rated. It holds a 4.6-star rating out of 5 on Google Play based on more than 470,000 reviews and a 4.8-star rating out of 5 on Apple’s App Store based on more than 3.7 million reviews.
Geico Car Insurance Coverage
Geico offers every type of standard auto insurance and some of the highest policy limits in the industry. Whether you want bodily injury and property damage liability coverage or you want to purchase a full-coverage policy, you can find the coverage you need with Geico.
Standard types of insurance include:
- Liability car insurance, which includes bodily injury liability and property damage liability insurance
- Collision insurance
- Comprehensive insurance
- Medical payments coverage
- Personal injury protection
- Uninsured/underinsured motorist coverage
Geico Car Insurance Options
Geico policies can be purchased for motorcycles, ATVs, RVs, boats and collector cars. In addition to the coverage options listed above, Geico offers these add-ons:
- Emergency roadside assistance: Accessible through the Geico mobile app, emergency road service includes towing, jump-starts, tire changes, lockout services, winching and fuel delivery.
- Rental car reimbursem*nt: This provides reimbursem*nt for your rental vehicle while your car is in the shop for covered repairs.
- Rideshare insurance: Rideshare coverage kicks in when you have a rideshare app turned on and are waiting for a rider. Services such as Uber and Lyft generally only cover you while you have a passenger or are en route to pick up a passenger. Having rideshare coverage is also helpful if you’re driving for food delivery, as many of those companies have limited coverage options.
- Mechanical breakdown insurance (MBI): MBI pays for unexpected repairs should certain parts fail or break down through normal use, similar to an extended car warranty.
Geico Home Insurance Cost
Similar to car insurance, Geico’s home insurance costs are affordable for most homeowners. Our research shows that Geico tends to trend lower than the national average of $1,249 per year, the latest amount reported by homeowners to the NAIC in 2018.
Geico Home Insurance Quotes
We reached out to Geico for several home insurance quotes to provide you with an understanding of how much you can expect to pay. Note that your home insurance costs may vary depending on your situation. These estimates are for single-family homes.
| Location | Home Square Footage | Monthly Cost | Total Cost Per Year |
|---|---|---|---|
| McKinleyville, Calif. | 1,344 square feet | $95 | $1,143 |
| Charlotte, N.C. | 1,595 square feet | $87 | $1,055 |
| Marlton, N.J. | 1,706 square feet | $88 | $1,064 |
| Schertz, Texas | 2,346 square feet | $118 | $1,418 |
| Richmond, Va. | 2,112 square feet | $87 | $1,044 |
Each of the home insurance quotes listed above includes:
- Dwelling coverage
- Personal property coverage
- Loss of use coverage
- Personal liability coverage
- Medical payments coverage
We’ll explain each coverage in detail below.
Geico Home Insurance Discounts
Geico policyholders can take advantage of several home insurance discounts, including:
- Multi-policy discount: Save on your insurance premium if you bundle your home and auto policies with Geico.
- Home security systems discount: Having an alarm system in your home means you qualify for this Geico home insurance discount.
- Smoke detector alarms or fire extinguisher discount: Having a smoke detector or fire alarm in your home means you can receive this discount through Geico.
Note that your home insurance discounts may vary depending on which Geico partner underwrites your homeowners insurance policy.
What Factors Affect Home Insurance Costs?
The final price you pay for home insurance with Geico depends on several key factors like your location, property details and coverage needs. Here are several factors that impact home insurance costs.
- Location: Your ZIP code can significantly influence your home insurance premium costs. States near coastal areas or those prone to natural disasters such as hurricanes or tornados often see the highest rates. Insurance premiums for most inland states tend to be lower.
- Claims history: If you’ve filed a claim within the past three to five years, you can expect to see a spike in your home insurance rates. Speak with your local Geico agent to get a more accurate estimate when shopping for home insurance.
- Property details: Having special home features, like a pool or trampoline, can raise your home insurance rates. This is because many home insurance companies view special features like these as an added liability risk.
- Coverage needs: Homes with higher replacement cost values tend to have higher insurance premiums. In most cases, a higher limit for dwelling insurance is needed to cover the cost of repairs or a rebuild after a disaster or incident.
- Deductible: If you choose a lower deductible, you will have a higher insurance premium. Raise your deductible to a higher amount to get a lower rate. This can pay off if you don’t drive as much or feel confident that you won’t have to file any claims. Homes in hurricane-prone states typically have a separate deductible for named tropical systems.
Geico Homeowners Insurance Coverage
Home insurance policies cover the cost of losses to your home and belongings following a severe weather event, theft or vandalism. Geico offers several standard types of home insurance coverage, including:
| Geico Home Insurance Coverage | Description |
|---|---|
| Property damage(also referred to as dwelling coverage) | This policy covers damage to your house and any permanent structures on your property from fire, wind, hail and water. |
| Personal property | This insurance covers belongings that were damaged or stolen such as furniture, appliances and clothing. |
| Jewelry | Limited insurance coverage is available for jewelry stolen from your home. You may need special coverage for items like engagement rings, wedding bands or diamond bracelets. |
| Personal liability | This insurance could help with medical expenses or property damage to others caused by you or members of your household. It can also pay for legal costs in the case of a lawsuit. |
| Medical bills | This covers medical payments for minor injuries to others who get hurt on your property. |
| Additional expenses | This insurance covers extra costs you might have to pay when experiencing a covered loss. |
Your home insurance endorsem*nt options will vary based on which of Geico’s partners underwrites your home insurance policy.
Geico Life Insurance Coverage
Life insurance is a contract where a policyholder pays regular premiums in exchange for a lump-sum death benefit that’s paid out to their beneficiaries. It’s paid when the policyholder either passes away or a specific amount of time has passed. Purchasing a life insurance policy can provide financial security by replacing lost income or covering unexpected expenses.
Geico offers term life, whole life and universal life insurance. These policies include:
- Term life insurance: This policy covers a specific period of time and could help replace lost income and other expenses stemming from an unexpected death. Policies are usually for 10, 15, 25 or 30 years.
- Whole or universal life insurance: This type of policy lasts for your lifetime, as long as policy terms are met and premiums are paid. It can help with replacing income, providing supplemental income and assisting with estate planning.
Geico Car Insurance Reviews: The Bottom Line
After conducting in-depth industry research, we rate Geico a 9.1 out of 10 and name it Best for Budget-Conscious Drivers for 2024 based on the same categories we used to assess all car insurance providers. Along with providing our rating on the company, this article included a guide to Geico insurance reviews, cost and coverage.
Geico Insurance Alternatives
While Geico is a good option for most drivers, it may not be the best choice for everyone. Below, we recommend other car insurance companies worth considering as you’re shopping around for coverage and looking to save money.
It’s important to compare car insurance quotes from insurers before making a final decision. Any time you shop for car insurance coverage from the best insurance companies, we recommend comparing prices to get the best deal.
USAA vs. Geico
USAA regularly scores well in J.D. Power customer satisfaction surveys and generally offers low rates for drivers, according to our research. USAA tends to be about 33% cheaper than the national average for good drivers based on our rate estimates. However, USAA is only available to active-duty military members, veterans and their families, so it is not a viable option for everyone.
On the other hand, Geico is available nationwide with no restrictions on who can become a policyholder.
Read more: USAA review
Compare providers: USAA vs. Geico
Progressive vs. Geico
Progressive offers discounts that can be useful for drivers with DUIs or speeding violations on record. Progressive offers the usage-based insurance program Snapshot®, a telematics program that puts more weight on current driving habits than your driving history. Snapshot has high ratings on both Google Play and the App Store. Progressive’s rates are about 1% more expensive than the national average, according to our estimates.
Our research shows that Geico is about 23% cheaper than Progressive for full coverage rates. Its telematics program, DriveEasy, is also comparable to Snapshot with the discounts it offers for drivers.
Read more: Progressive reviewCompare providers: Geico vs. Progressive
Geico Insurance: FAQ
Below are frequently asked questions about Geico insurance reviews.
Geico does not charge a cancellation fee for early cancellation of your insurance policy. You can call 800-841-1587 to cancel your policy over the phone. Be sure to have plans to maintain insurance if you still own a vehicle to avoid a lapse in coverage.
Geico does not specify a refund processing time on its website. It may take up to 30 days to receive a refund if you paid by check, which is usually the slowest method. If you used a debit or credit card to pay for your policy, you may receive a refund within one or two weeks.
To file a claim, call the Geico claims department or file online through the website or the Geico mobile app. Geico pays claims by check after the accident investigation is complete, minus your deductible for repairs. If your car was totaled and you still owe on a loan or lease, Geico will pay your lender directly.
You can reach Geico’s claims department at 800-841-3000. Geico customers can also file claims through the mobile app at any time or file claims online at geico.com/claims.
A Geico claim can be settled in as little as 48 hours, according to our research. However, if you have a more complex case, it can take up to several months for your payout to happen. Each situation is different, so we recommend speaking with your claims adjuster to find out what your timetable looks like.
In order to turn off the Geico DriveEasy app, you’ll need to go to the settings menu in your app store, find the subscriptions tab, and turn off the DriveEasy subscription. To unenroll from the program entirely, call an agent at 800-841-3000.
If you already have good driving habits — and you don’t mind having some of your data tracked — the Geico DriveEasy program can be worth it. The program gives rate discounts for those who practice safe driving. However, it is one of the few telematics insurance programs that can negatively impact your rates based on your driving habits.
How We Rated the Best Car Insurance Companies
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication
