Geico DriveEasy App Review: Compare Rates, Discounts, & Requirements [2024]

Usage-based car insurance programs (UBI) are growing in popularity. With the Geico DriveEasy program, safe drivers can save up to 25% on Geico car insurance coverage.

What is Geico DriveEasy? Geico’s usage-based car insurance, monitored through the Geico DriveEasy mobile app, tracks certain driving behaviors and awards cheaper rates if drivers do well.

This Geico DriveEasy app review will overview some of the pros and cons of Geico DriveEasy, how to buy the best usage-based insurance (UBI), and whether the program can hurt your car insurance rates. Can unsafe drivers end up paying higher rates? We will answer this and show you further Geico DriveEasy benefits and availability by state.

Before diving into this Geico DriveEasy program review, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable car insurance rates in your area.

Geico DriveEasy App Review and Comparison

Geico DriveEasy reviews are mostly mixed. Geico DriveEasy Pro has 3.4 out of 5 stars on the Apple App Store with 181 reviews and 3.3 out of 5 stars on the Google Play Store with 195 reviews. Several Geico DriveEasy complaints say the app is buggy, constantly runs in the background, and tracks drivers when it shouldn’t.

To find the most affordable UBI insurance policy in your area, it’s vital to compare car insurance discounts for safe driving from various companies.

Take a look at the table below for a list of usage-based insurance programs and potential discounts:

Usage-Based Car Insurance Availability & Savings for Best Usage-Based Car Insurance Companies

As you can see, while Geico doesn’t have the lowest amount of savings, Allstate and Nationwide offer the most significant savings for participating in their UBI program.

Read more:

• Allstate Drivewise Review: Compare Rates, Discounts, & Requirements
• American Family Insurance KnowYourDrive Review: Compares Rates, Discounts, & Requirements
• Farmers Signal Review: Compare Rates, Discounts, & Requirements
• Safeco RightTrack App Review: Compare Rates, Discounts, & Requirements
• State Farm Drive Safe and Save App Review: Compare Rates, Discounts, & Requirements

Keep reading our DriveEasy usage-based insurance review to compare the best car insurance companies for UBI.

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Geico DriveEasy Program Explained

The Geico DriveEasy program uses an app to track the insured’s driving habits. All they need to do is download the Geico DriveEasy app and create their personalized Geico login information.

What does this usage-based program do for Geico’s insured? According to the Insurance Information Institute (III), these types of programs incentivize drivers to operate their vehicles safely and less frequently.

Provided the driver operates the vehicle safely, how much can be saved? Safe drivers can receive a discount upward of 25%.

Knowing this, let’s take a look at a table showing Geico’s standard car insurance rates by state:

Geico Monthly Rates by State

So, what driving habits does the Geico DriveEasy program monitor?

What the Geico DriveEasy App Monitors

How does Geico DriveEasy work? Does Geico DriveEasy just monitor major events like accidents? Geico usage-based insurance monitors several driving behaviors to assess your DriveEasy discount, including:

• Speed: Your Geico DriveEasy app will ding you for excessive speeding. See our article, What is a safe speed to drive your car?
• Time of day driven: Insurers consider nighttime driving as risky. DriveEasy will take note if you make a 2 a.m. trip.
• Mileage: The Geico DriveEasy program tracks annual mileage. Learn more about how much mileage affects car insurance rates.
• Braking/cornering: Hard braking and cornering will affect your Geico DriveEasy discount.
• Distractions: Phone usage — including handheld phone calls, holding your phone, and tapping your phone — all count against your DriveEasy score. 

You may be wondering what entails distracted driving behavior. First and foremost, distracted driving and car insurance rates go hand in hand.

Read more: Does a cell phone ticket affect car insurance rates?

Geico DriveEasy monitors handheld phone calls as well as active phone use when the driver is going 6 miles per hour or faster. 

In short, poor driving habits entitle Geico to raise your rates.

Furthermore, DriveEasy is a telematics program, so your phone’s data will be tracked. In recent years, digital identity theft has given individuals pause in terms of having their data tracked. 

Safe driving is the best way to get a Geico Drive Easy discount. Keep reading to learn about other Geico car insurance discounts.

Geico DriveEasy Car Insurance Discounts and Benefits

Geico’s Drive Easy app is one of many ways to save money on car insurance with Geico. How much does Geico DriveEasy save? The usage-based program allows car insurance policyholders to earn a 25% Geico DriveEasy discount on their auto insurance if they practice safe driving skills.

You’ll see a significant Geico DriveEasy discount if you drive the speed limit and avoid distracted driving. However, bad drivers could see increased rates with the program.

There are several other benefits of Geico car insurance with DriveEasy besides its discount listed below, including:

• DriveEasy encourages drivers to improve their driving skills.
• Geico can use the DriveEasy program’s data after an accident for investigations.

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Other Geico Car Insurance Discounts for Safe Drivers

Check out the list below to see additional safe driver discounts you can earn with Geico insurance:

• Pay-per-mile car insurance
• Low-mileage car insurance discounts
• Safe driver car insurance discounts
• Defensive driver car insurance discounts
• Safety features car insurance discounts

There are different ways to lower car insurance rates. So, always compare discounts from the best usage-based car insurance companies to find the best deal for you.

Let’s move on to the states in which Geico offers DriveEasy.

Where to Get the Geico DriveEasy App

While all states sell Geico auto insurance, not all states have the Geico DriveEasy app.

The Geico DriveEasy app is available in these 37 states and the District of Columbia:

• Alabama
• Arizona
• Arkansas
• Colorado
• Connecticut
• Florida
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kentucky
• Louisiana
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Nebraska
• Nevada
• New Jersey
• New Mexico
• New York
• North Carolina
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• South Carolina
• Tennessee
• Texas
• Utah
• Virginia
• Washington
• West Virginia
• Wisconsin
  

That means the app is not available in these 13 states:

• Alaska
• California
• Delaware
• Hawaii
• Kansas
• Maine
• Montana
• New Hampshire
• North Dakota
• Rhode Island
• South Dakota
• Vermont
• Wyoming

In reference to rates, check out the table below to see how much you could pay for regular full-coverage car insurance in your state:

Full Coverage Car Insurance Monthly Rates by State & Provider

States	Allstate	American Family	Farmers	Geico	Liberty Mutual	Nationwide	Progressive	State Farm	Travelers	USAA
Alabama	$135	$105	$127	$76	$164	$108	$97	$65	$93	$60
Alaska	$108	$105	$133	$89	$162	$96	$112	$108	$79	$56
Arizona	$162	$137	$165	$91	$99	$128	$131	$80	$111	$55
Arkansas	$180	$114	$135	$65	$178	$116	$84	$81	$104	$63
California	$199	$138	$167	$101	$216	$142	$132	$108	$122	$74
Colorado	$166	$118	$163	$94	$92	$107	$120	$94	$114	$78
Connecticut	$196	$125	$151	$62	$201	$112	$133	$91	$83	$77
Delaware	$241	$115	$139	$69	$180	$172	$115	$111	$102	$48
District of Columbia	$207	$130	$157	$101	$494	$144	$90	$116	$82	$43
Florida	$183	$188	$227	$89	$161	$103	$153	$99	$166	$47
Georgia	$165	$124	$149	$61	$263	$152	$115	$107	$110	$71
Hawaii	$118	$82	$99	$60	$128	$84	$78	$64	$72	$44
Idaho	$126	$95	$82	$81	$116	$73	$75	$65	$92	$55
Illinois	$128	$93	$92	$57	$79	$82	$91	$53	$57	$40
Indiana	$176	$114	$117	$47	$76	$93	$89	$64	$87	$62
Iowa	$140	$107	$79	$63	$183	$97	$69	$71	$69	$43
Kansas	$160	$114	$144	$75	$174	$92	$127	$81	$87	$56
Kentucky	$236	$164	$197	$80	$168	$184	$111	$98	$139	$72
Louisiana	$206	$176	$212	$141	$274	$181	$161	$124	$156	$98
Maine	$143	$99	$120	$72	$155	$103	$95	$78	$88	$53
Maryland	$201	$116	$140	$135	$181	$106	$121	$107	$103	$80
Massachusetts	$108	$84	$117	$37	$120	$87	$94	$59	$61	$37
Michigan	$406	$204	$335	$99	$424	$257	$152	$209	$183	$107
Minnesota	$160	$93	$108	$90	$375	$87	$101	$67	$94	$68
Mississippi	$148	$106	$135	$90	$129	$66	$98	$85	$114	$50
Missouri	$147	$120	$145	$72	$119	$96	$120	$82	$88	$54
Montana	$154	$125	$164	$82	$59	$88	$171	$70	$111	$50
Nebraska	$169	$82	$99	$69	$82	$111	$32	$77	$99	$44
Nevada	$136	$145	$107	$61	$398	$77	$110	$76	$88	$44
New Hampshire	$125	$112	$130	$92	$179	$77	$95	$69	$102	$56
New Jersey	$128	$77	$93	$50	$198	$77	$63	$59	$69	$41
New Mexico	$157	$115	$231	$74	$279	$119	$93	$113	$136	$61
New York	$158	$103	$131	$90	$161	$96	$86	$69	$91	$65
North Carolina	$165	$140	$155	$110	$111	$112	$82	$103	$91	$69
North Dakota	$147	$137	$165	$78	$200	$164	$96	$137	$175	$85
Ohio	$120	$62	$96	$59	$106	$114	$85	$70	$63	$41
Oklahoma	$135	$118	$136	$109	$184	$122	$110	$91	$105	$68
Oregon	$153	$106	$111	$93	$141	$111	$78	$75	$97	$58
Pennsylvania	$148	$108	$131	$68	$219	$86	$148	$76	$75	$57
Rhode Island	$189	$151	$183	$125	$235	$190	$116	$76	$103	$65
South Carolina	$133	$118	$166	$79	$185	$118	$105	$88	$105	$69
South Dakota	$136	$151	$113	$57	$230	$76	$105	$67	$97	$58
Tennessee	$144	$102	$86	$78	$11	$118	$92	$72	$88	$58
Texas	$201	$176	$137	$105	$178	$154	$121	$90	$101	$62
Utah	$117	$105	$115	$73	$119	$93	$95	$103	$88	$50
Vermont	$103	$83	$100	$69	$129	$86	$61	$63	$73	$43
Virginia	$142	$85	$103	$38	$100	$77	$181	$87	$75	$42
Washington	$114	$91	$102	$75	$92	$70	$60	$69	$81	$46
West Virginia	$123	$63	$109	$62	$84	$226	$94	$58	$72	$47
Wisconsin	$162	$115	$139	$83	$196	$104	$110	$79	$102	$67
Wyoming	$155	$111	$130	$111	$75	$114	$106	$82	$98	$57

Always compare car insurance rates by state to ensure you get the cheapest deal in your area.

Geico DriveEasy App Review: The Bottom Line

Now that you’ve had an introduction to DriveEasy, you’re probably wondering, “Is Geico DriveEasy worth it?”

Using Geico DriveEasy could be worthwhile if you’re a safe driver because it could save you money on your car insurance policy. 

If you live in a state where Geico offers DriveEasy, absolutely. Even if you already have coverage with Geico, it’s not too late. Furthermore, it’s easy to set up.

The program may not be a good fit if you’re an unsafe driver since it can increase your insurance premium for behaviors like speeding

If you decide it’s not for you and want to know how to cancel Geico DriveEasy, there’s good news. All you need to do is open the Google Play Store, find the app, and press “Cancel Subscription.”

Now that you’ve finished our Geico DriveEasy program review, type your ZIP code into our free and helpful tool below. With it, you’ll find the most affordable car insurance rates in your area.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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