GEICO Car Insurance Pricing 2025

The average rate from GEICO is $1,731 for full coverage and $517 for minimum coverage. Here are how your rates could differ based on your driver profile:

• Minimum coverage: The average yearly cost for minimum coverage is around $517. Minimum car insurance coverage typically includes liability coverage only (property damage and bodily injury). Uninsured motorist coverage may also be required in all states.
• Full coverage: Average cost for full coverage is about $1,731 annually.
• Teen driver: With a teen driver on your policy, you’ll pay around $4,891 annually for full coverage.
• After a speeding ticket: With a minor traffic violation such as a speeding ticket, you’ll pay $2,358 annually.
• With a DUI: For a more severe violation, expect to pay $4,498 annually.

GEICO offers a variety of discounts that can help you lower your premium. Here are some of the most popular ones:

GEICO offers more than just affordable rates. Here are some of the features that stand out:

Superior Financial Strength

GEICO has an A++ (Superior) financial strength rating from AM Best.² Financial strength ratings indicate an insurance provider’s ability to pay its customers’ claims. A Superior rating means GEICO has the capital and management capacity to cover customer losses in the event of accidents, which is necessary for claims fulfillment.

Emergency Roadside Assistance

If you run into issues on the road, GEICO offers 24/7 roadside assistance. This additional coverage provides the following:

• Battery jump starts
• Fuel delivery (fuel cost not included)
• Lockout services (up to $100)
• Tire change services (if you have a spare)
• Towing to the nearest repair facility
• Winching your vehicle if it is stuck on or immediately next to a publicly-maintained roadway

Here’s what you need to do to request help:

1. Open the GEICO Mobile app and select Roadside Assistance.
2. Visit https://geico.app.link/staticAutoERSGetHelpNow.
3. Call (800) 42-GEICO.

Mechanical Breakdown Insurance

For vehicles less than 15 months old or with fewer than 15,000 miles, GEICO offers mechanical breakdown coverage. In the event of a vehicle breakdown, this additional coverage applies to the following:

• Repair costs
• Replacement parts
• Other mechanical problems

To start your mechanical breakdown insurance claim, call (800) 443-7411.

Commercial Auto Insurance

Commercial auto insurance from GEICO will protect business vehicles from the incidents below:

• Damage to someone else’s property
• Damage to your vehicle(s)
• Driver injury
• Injury to someone else

Business vehicles are cars only for commercial purposes. Cars for commuting or delivery services are not eligible. GEICO’s commercial auto insurance covers the following types of vehicles:

• Semi trucks
• Cars
• Food trucks
• Pickup trucks
• Service utility trucks
• Vans

This coverage will not protect semi trucks and tractor-trailers.

GEICO provides private passenger automobile insurance in all 50 states and the District of Columbia.

If you need to cancel your policy, GEICO makes that easy in three simple steps:

1. Have your GEICO policy number accessible.
2. Call 800-841-1587.
3. Ask the licensed agent to proceed in canceling your policy. If you’re prompted to speak to the automated system, say “cancel insurance policy” and then “auto.”

You can cancel your policy at any time with no fees.

• 1936: Leo and Lillian Goodwin established The Government Employees Insurance Company (GEICO) to target federal employees and certain categories of enlisted military officers.
• 1951: Warren Buffet, then a Columbia University business student, purchased his first share of GEICO stock. During the year, Buffet obtained 350 shares of GEICO for a total cost of $10,282.
• 1959: GEICO opened a new headquarters in Chevy Chase, Maryland.
• 1964: GEICO reached the 1 million policies-in-force (PIF) mark.
• 1980: GEICO introduced 24-hour a day, 365-day a-year telephone service for claims, sales, and service.
• 1996: Warren Buffett purchased the outstanding GEICO stock, making GEICO a Berkshire Hathaway subsidiary.
• 1999: The GEICO Gecko made his debut.
• 2002: GEICO passed the 5 million PIF mark.
• 2010: GEICO passed the 10 million PIF mark.
• 2017: GEICO passed the 15 million PIF mark.
• 2022: GEICO now insures more than 28 million vehicles and holds over 17 million PIF.
• 2025: GEICO now insures more than 28 million vehicles and holds over 17 million PIF.

Here’s how you can get in touch with GEICO:

• Online: www.geico.com/contact-us/
• By mail: Mailing addresses differ by state and inquiry.
• By phone: 1-800-207-7847

GEICO offers competitive rates and solid coverage options for standard and nonstandard insurance policies. With the financial strength to back claims, you can rest easy knowing you and your vehicle have protection in the event of an accident. Check out our  GEICO review to learn more about what GEICO has to offer.