Compare GEICO vs. The General Insurance

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The General and GEICO are both well-known companies in the auto insurance industry. The General was founded in 1963, and GEICO was founded in 1936. GEICO is rated #1 in top auto insurers for 2016, and offers excellent customer service, while The General has relatively low customer service ratings. However, The General does offer low premiums to drivers with imperfect records, but its limited selection of driver discounts detracts from its overall strength, whereas GEICO has a wide range of auto discounts. Still, both companies have excellent financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  GEICO The General
Best If GEICO
  • You want great customer service and low premiums
The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
The General
  • You want good customer service and consistency

Special Car Insurance Discounts

GEICO The General
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
The General

Standard Car Insurance Discounts

Bundling Coverage Discounts GEICO The General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO The General
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History GEICO The General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO The General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO The General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO The General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Car Insurance The General Insurance
2016 144 13
2015 283 14
2014 267 3
2013 188 4

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance The General Insurance
Overall Purchase Experience Below average Above average
Policy Offerings Average Above average
Pricing Average Above average
Local Agent Below average Above average
Call Center Representative Average --
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

GEICO Car Insurance The General Insurance
Overall Satisfaction Average Average
First Notice of Loss Above average Average
Service Interaction Below average Above average
Appraisal Average Average
Repair Process Below average Average
Rental Car Experience Among the best Above average
Settlement Average Average

Financial Strength Ratings

GEICO Car Insurance The General Insurance
A.M. Best A++ A-
Moody's Aa1- --
S&P's AA+ --

Mobile Apps

GEICO The General
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

GEICO The General
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service