How Much Does GEICO Car Insurance Cost?

Choosing a car insurance provider requires careful consideration. If GEICO ranks high on your list, examining its pricing structure will help determine if it's your best option. However, we recommend gathering quotes from several providers to ensure you're securing optimal value and savings on your car insurance.

GEICO car insurance pricing per month

Full-coverage car insurance from GEICO averages $146 per month. Drivers selecting minimum liability-only coverage will pay an average of $95.

Keep in mind these figures represent averages. Your actual rate depends on multiple factors including age, location, credit score, and driving history. While your personal GEICO rate may differ, these averages provide a useful benchmark for provider comparisons.

	GEICO average monthly cost	National average monthly cost
Full coverage	$146	$186
Liability-only	$95	$104

GEICO's rates versus other car insurance providers

Each company uses different methods for evaluating risk and applying discounts, which creates pricing variation. Comparing quotes helps you understand how GEICO performs for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$115	$58
Progressive	$182	$106
GEICO	$146	$95
Allstate	$146	$77
USAA	$104	$54

GEIOC's rates by age

Age plays a major role in GEICO's pricing structure, similar to most insurers. Car insurance for teen drivers carries the highest costs, with full-coverage premiums averaging $262 per month.

Rates decrease as you enter your 20s, where GEICO averages $178. The decline continues through your 30s at $146 on average and into your 40s at $144.

The lowest rates typically appear for drivers in their 50s and 60s, averaging $128 and $107 per month.

Monthly premiums tend to climb again in your 70s, reaching an average of $104. This pattern demonstrates how insurers calculate risk across different life stages.

Age group	GEICO average monthly full coverage cost	National average monthly cost
Teens	$262	$360
20s	$178	$243
30s	$146	$199
40s	$144	$191
50s	$128	$177
60s	$107	$159
70s	$104	$163

GEICO's rates for high-risk drivers

Drivers with traffic violations or accidents on their record face elevated rates with GEICO. High-risk drivers carrying a speeding ticket pay $197 per month on average. An at-fault accident brings monthly costs to approximately $178.

DUI convictions result in the highest premiums, averaging $208 per month. While these numbers reflect typical high-risk pricing, your actual cost varies based on how long ago the incident occurred and other individual rating factors.

Driving record	GEICO average monthly full coverage cost	National average monthly cost
Accident	$178	$247
Speeding ticket	$197	$238
DUI	$208	$272

How does your credit score affect your rate with GEICO?

Most states permit insurers to factor credit scores into rate calculations. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, GEICO modifies pricing according to your credit tier. Monthly premiums for drivers with excellent credit average $110. Good credit brings rates to around $142.

Average credit translates to monthly costs near $153. Poor credit results in premiums averaging $178 per month.

Your credit score's impact on pricing is significant, though your final rate incorporates other personal characteristics as well.

Credit score	GEICO average monthly cost of full coverage	National average monthly cost
Excellent	$110	$164
Good	$142	$179
Average	$153	$194
Poor	$178	$227

FAQs

Does GEICO offer rideshare insurance coverage?

GEICO provides rideshare insurance for drivers working with companies like Uber and Lyft, but unlike most competitors, they don't offer it as a simple add-on to your existing personal auto policy. Instead, GEICO typically replaces your standard personal policy with a commercial rideshare policy that provides continuous protection throughout all phases of your rideshare work, including waiting periods when your app is active but you haven't accepted a ride yet. Keep in mind that GEICO's rideshare coverage isn't available in all states, including Florida and New York.

Will GEICO cover rental cars if my vehicle is damaged?

GEICO covers rental car expenses only if you've purchased their rental reimbursement coverage as an add-on to your policy. Without this optional coverage, you won't receive reimbursement for rental vehicles while your car is being repaired after a covered claim. If you're renting a vehicle for travel or other purposes, your personal GEICO policy typically extends liability coverage to rental cars, though GEICO recommends purchasing additional protection if you're renting a vehicle with higher value than your own.

Does GEICO offer accident forgiveness?

GEICO provides accident forgiveness as an optional coverage add-on that prevents your rates from increasing after your first at-fault accident, but this protection isn't available in California, Connecticut, or Massachusetts due to state regulations. This feature can be particularly valuable for maintaining your competitive GEICO rates if you experience an unexpected collision, since at-fault accidents typically cause significant premium increases. The availability and specific terms of accident forgiveness may vary based on your state and driving history with GEICO.

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Bottom line

Does GEICO qualify as the ideal car insurance company for your needs? Requesting quotes from GEICO alongside competitors allows you to evaluate them on both price and service quality.

Data throughout provided by Insurify.

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