Company Name	NAIC #	States Served	Official Website
1. State Farm Mutual	25178	All 50 states + DC	https://www.statefarm.com
2. Geico	35882	All 50 states + DC	https://www.geico.com
3. Progressive	24235	All 50 states + DC	https://www.progressive.com
4. Allstate	60010	All 50 states + DC	https://www.allstate.com
5. USAA	25942	All 50 states (military-affiliated only)	https://www.usaa.com
6. Liberty Mutual	23043	All 50 states + DC	https://www.libertymutual.com
7. Nationwide	23787	All 50 states + DC	https://www.nationwide.com
8. Farmers Insurance	61001	All 50 states + DC	https://www.farmers.com
9. Travelers	25641	All 50 states + DC	https://www.travelers.com
10. American Family	18882	19 states (Midwest/West)	https://www.amfam.com
11. Erie Insurance	24865	12 states + DC	https://www.erieinsurance.com
12. Auto-Owners Insurance	25925	26 states (Midwest/South)	https://www.auto-owners.com
13. The Hartford	25977	All 50 states + DC	https://www.thehartford.com
14. Chubb	33934	All 50 states + DC	https://www.chubb.com
15. MetLife	10908	All 50 states + DC	https://www.metlife.com
16. Prudential Financial	68025	All 50 states + DC	https://www.prudential.com
17. New York Life	66915	All 50 states + DC	https://www.newyorklife.com
18. Northwestern Mutual	19071	All 50 states + DC	https://www.northwesternmutual.com
19. Mutual of Omaha	31869	All 50 states + DC	https://www.mutualofomaha.com
20. AIG	24882	All 50 states + DC	https://www.aig.com
21. Country Financial	11929	19 states (Midwest)	https://www.countryfinancial.com
22. Mercury Insurance	24560	11 states (CA-focused)	https://www.mercuryinsurance.com
23. Kemper	19932	All 50 states + DC	https://www.kemper.com
24. AAA Insurance	19099	All states via regional clubs	https://www.aaa.com/insurance
25. CSAA Insurance	24582	23 states (West/Northeast)	https://www.csaa-insurance.aaa.com
26. Lemonade	12716	28 states + DC	https://www.lemonade.com
27. Root Insurance	13858	33 states	https://www.joinroot.com
28. Hippo Insurance	17144	40 states	https://www.hippo.com
29. Next Insurance	14949	All 50 states	https://www.nextinsurance.com
30. Clearcover	14448	22 states	https://www.clearcover.com
31. National General	23483	All 50 states + DC	https://www.nationalgeneral.com
32. Safeco Insurance	23085	All 50 states + DC	https://www.safeco.com
33. The Hanover	22238	All 50 states + DC	https://www.hanover.com
34. MAPFRE Insurance	19212	20 states (Northeast)	https://www.mapfreinsurance.com
35. Plymouth Rock Assurance	11057	6 states (Northeast)	https://www.plymouthrock.com
36. Amica Mutual	10548	All 50 states + DC	https://www.amica.com
37. NJM Insurance	18057	5 states (Mid-Atlantic)	https://www.njm.com
38. Shelter Insurance	26748	14 states (Midwest)	https://www.shelterinsurance.com
39. Texas Farm Bureau	14157	TX only	https://www.txfb-insurance.com
40. California Casualty	13410	All 50 states (educators/first responders)	https://www.calcas.com
41. Oscar Health	87000	18 states	https://www.hioscar.com
42. Bright Health	15634	14 states	https://www.brighthealthcare.com
43. Centene Corporation	78032	All 50 states	https://www.centene.com
44. Humana	36170	All 50 states	https://www.humana.com
45. Cigna	68284	All 50 states	https://www.cigna.com
46. Molina Healthcare	33600	19 states	https://www.molinahealthcare.com
47. WellCare	33600	All 50 states	https://www.wellcare.com
48. Allianz	18555	All 50 states (specialty products)	https://www.allianz.com
49. Zurich Insurance	16535	All 50 states (commercial focus)	https://www.zurichna.com
50. Hiscox	32976	All 50 states (SME focus)	https://www.hiscox.com

Understanding GEICO Auto Insurance: Your Complete Coverage Guide

(Independent Educational Resource)

Disclaimer:
This is an independent informational resource. GEICO® is a registered trademark of Government Employees Insurance Company. Not affiliated with or endorsed by GEICO.

Why GEICO Stands Out in Auto Insurance

GEICO has revolutionized car insurance through its direct-to-consumer model since 1936. Unlike traditional insurers, GEICO’s digital-first approach eliminates agent commissions, translating to:

• Average savings of 15% for qualified drivers
• 24/7 claims service with mobile app support
• Military discount programs (active duty and veterans)
• Multi-policy discounts when bundling with homeowners/renters insurance

Key Fact: GEICO handles over 17 million auto policies nationwide – second only to State Farm in market share.

Decoding GEICO’s Coverage Options

(Tailored for Different Driver Needs)

1. Essential Liability Coverage

• Bodily Injury Liability: Covers medical costs when you’re at fault ($100k per person / $300k per accident recommended)
• Property Damage: Repairs vehicles/property you damage (minimum $50k in most states)

2. Enhanced Protection Packages

• Collision & Comprehensive:
  • Covers accidents and non-collision incidents (theft, weather, animal strikes)
  • Recommended for vehicles <7 years old
• Emergency Road Service:
  • Towing, lockout service, battery jump-starts
  • Average cost: $14/year add-on

3. Specialized Coverages

• Rideshare Insurance: Gap coverage for Uber/Lyft drivers during app-active periods
• Mechanical Breakdown Insurance (MBI):
  • Extended warranty alternative for repairs after manufacturer warranty expires
  • $250 deductible per claim

GEICO Discounts Most Drivers Overlook

Maximize savings with these underutilized discounts:

Discount Type	Savings Potential	Eligibility Requirements
Good Student	Up to 15%	Full-time student with B average
Vehicle Safety	5-25%	Anti-lock brakes, airbags, anti-theft systems
Defensive Driving	5-10%	Completion of accredited course (online accepted)
Federal Employee	8%	Current government/military ID
Emergency Deployment	Special rates	Military deployment orders

*Pro Tip: GEICO’s discounts stack – combining 4+ discounts can save 35% or more*

The GEICO Claims Process: Step-by-Step

1. Immediate Response:
   • Use mobile app to submit photos/video of damage
   • Average response time: <9 hours
2. Vehicle Inspection:
   • Choose from 1,000+ GEICO-approved auto shops
   • Or select your own repair facility
3. Repair Tracking:
   • Real-time updates via text/email
   • Rental car coordination included
4. Payment:
   • Direct deposit options available
   • Average claim payout: 4.2 business days

Industry Comparison: GEICO ranks #3 in J.D. Power’s 2024 Auto Claims Satisfaction Study

5 Common Mistakes to Avoid with GEICO Policies

1. Underestimating Coverage Gaps:
   • Minimum liability leaves you vulnerable to lawsuits – increase to 100/300/100
2. Ignoring Usage-Based Discounts:
   • DriveEasy program tracks driving habits for potential 25% discount
3. Overlooking Regional Risks:
   • Add flood coverage in hurricane-prone states even if not required
4. Misunderstanding Deductibles:
   • Raising collision deductible from $500 to $1,000 saves ~12% premium
5. Automatic Renewal Without Review:
   • Check for new discounts annually (e.g., low-mileage if WFH status changes)

Is GEICO Right For You? Key Considerations

Best For:

• Tech-savvy drivers who prefer app-based management
• Military families seeking premium discounts
• Safe drivers wanting maximum discount opportunities

Other Options:

• Consider regional insurers if living in remote areas with limited GEICO support
• Compare quotes annually – GEICO’s renewal rates may increase after 3 years

Next Steps for Smart Insurance Shoppers

1. Get Personalized Quotes:
   • GEICO’s online tool provides estimates in 90 seconds
2. Review State Requirements:
   • Minimum coverage varies (e.g., $15k PIP in Florida vs. no-fault Michigan)
3. Document Your Discounts:
   • Have proof of eligibility ready (transcripts, military ID, driving course certs)

Remember: Insurance needs change annually – reassess coverage during life events (marriage, new teen driver, relocation).

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