Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 2, 2022

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Just What's Essential

  • GEICO offers coverage for cars, trucks, motorcycles, ATVs, and much more
  • A full-coverage insurance policy with GEICO will cost hundreds of dollars more per year than a liability-only policy
  • GEICO has an A+ rating with A.M. Best and the Better Business Bureau

If you’re searching for a car insurance policy, you may be interested in learning more about GEICO Indemnity Company. GEICO is one of the most popular insurance companies in the U.S., and it’s possible that the company may be able to offer you the coverage you need at an affordable rate.

GEICO Indemnity Company is affiliated with GEICO General Insurance Company and a host of other subsidiaries. GEICO offers car insurance policies with several different coverage options depending on your needs, where you live, and how much you’re able to pay per month in car insurance rates. In some cases, you may find that GEICO offers cheap car insurance for you and your family members.

What is GEICO Indemnity car insurance?

GEICO offers auto insurance coverage for the following types of motorized vehicles:

  • Cars, trucks, vans
  • Motorcycles
  • ATVs
  • RVs
  • Boats
  • Classic cars

Liability car insurance with GEICO includes bodily injury coverage, property damage coverage, and uninsured motorist coverage. It’s also possible to add the following coverages to a GEICO car insurance policy:

  • Collision
  • Comprehensive
  • Medical payments
  • Roadside assistance
  • Rental reimbursement
  • Mechanical breakdown

While all you need to drive legally in your state is to meet your state’s required amount of liability coverage, it’s a good idea to shop around for a full-coverage policy — which includes both collision and comprehensive insurance — to make sure you’re taken care of regardless of the circumstance.

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Should I get a full-coverage policy with GEICO?

You may want to purchase a full-coverage policy with GEICO or another car insurance company. If you’re worried about the cost of repairs after a car accident, or if you want financial help if your vehicle is ever damaged by vandalism or inclement weather, a full-coverage policy may be a great option for you.

The table below shows average annual rates for full coverage vs. liability coverage in each state.

Average Annual Cost Difference Between Full Coverage and Liability Coverage Car Rates Insurance by State
StatesAverage Annual Full Coverage RatesAverage Annual Liability Only RatesTotal Annual Rate Difference
Idaho$679.89$344.29$335.60
Iowa$702.46$299.18$403.28
Maine$703.82$338.87$364.95
Wisconsin$737.18$374.37$362.81
Indiana$755.03$382.68$372.35
Vermont$764.02$343.12$420.90
South Dakota$766.91$300.22$466.69
North Dakota$773.30$298.18$475.12
Ohio$788.56$397.11$391.45
North Carolina$789.09$359.42$429.67
New Hampshire$818.75$400.56$418.19
Nebraska$831.02$364.64$466.38
Virginia$842.67$425.61$417.06
Wyoming$847.44$321.04$526.40
Kansas$862.93$358.24$504.69
Montana$863.52$386.29$477.23
Alabama$868.48$394.21$474.27
Tennessee$871.43$413.91$457.52
Missouri$872.43$415.88$456.55
Utah$872.93$497.53$375.40
Hawaii$873.28$458.54$414.74
Minnesota$875.49$456.82$418.67
Illinois$884.56$446.72$437.84
Oregon$904.83$584.13$320.70
Arkansas$906.34$394.13$512.21
New Mexico$937.59$488.03$449.56
Kentucky$938.51$529.21$409.30
Washington$968.80$596.67$372.13
Pennsylvania$970.51$499.06$471.45
Arizona$972.85$508.76$464.09
South Carolina$973.10$527.09$446.01
Colorado$981.64$520.04$461.60
California$986.75$489.66$497.09
Mississippi$994.05$460.50$533.55
Oklahoma$1,005.32$461.01$544.31
West Virginia$1,025.78$491.83$533.95
Alaska$1,027.75$539.68$488.07
Georgia$1,048.40$557.38$491.02
Nevada$1,103.05$681.56$421.49
Texas$1,109.66$528.75$580.91
Maryland$1,116.45$609.74$506.71
Massachusetts$1,129.29$606.04$523.25
Connecticut$1,151.07$650.94$500.13
Delaware$1,240.57$799.30$441.27
Florida$1,257.13$857.64$399.49
Rhode Island$1,303.50$759.80$543.70
District of Columbia$1,330.73$628.82$701.91
New York$1,360.66$804.51$556.15
Michigan$1,364.00$795.32$568.68
New Jersey$1,382.79$869.57$513.22
Louisiana$1,405.36$775.83$629.53
U.S. Average$1,009.38$538.73$470.65

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As you can see, full coverage can cost up to $600 more per year, depending on where you live and a few other factors. In comparison, the table below shows average monthly rates for a full-coverage policy with GEICO based on a person’s age.

GEICO Average Monthly Rates Based on Age
AgeGEICO Average Monthly Premium
Teenagers$292.33
20's$119.83
30's$101.50
40's$99.08
50's96.67
60's$88.75

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While young drivers will end up paying more for coverage with virtually any insurance company, you may find that a full-coverage policy with GEICO is cheaper than the average for your state.

Does GEICO have an easy claims process?

Making a car insurance claim with GEICO is very simple. To make GEICO Indemnity Company claims, you simply have to visit the company website or call the GEICO Indemnity phone number. If you call, you will speak with a GEICO representative who can walk you through the steps you need to take.

If you file a claim with GEICO online, you will need your login information. Once you file a claim with GEICO Indemnity Company, you can also view the status of your claim on the company website.

Does GEICO have good ratings and reviews?

When it comes to ratings, GEICO has a lot to brag about. The company has an A++ (Superior) financial strength rating with A.M. Best and a stable outlook with regard to future endeavors. GEICO Indemnity also has an A+ rating with the Better Business Bureau (BBB).

When it comes to customer reviews, GEICO gets its fair share of complaints. On the BBB website, GEICO has over 2,400 complaints registered over the past three years, with nearly 800 resolved over the past 12 months. While this may seem like an abnormally large number of complaints, it’s fairly typical given how many clients the company has.

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Should I purchase car insurance from GEICO?

Before you make any decisions about car insurance coverage, you should compare car insurance rates with multiple companies. GEICO may be able to offer you the most competitive options, but you’ll never know until you do some research online.

One of the best ways to compare car insurance quotes is to use an online tool that will compare several companies at once. This shows you which companies offer the cheapest rates and can help you make a smart decision when it comes to your next car insurance policy.