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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

GEICO Mobile

35
User verdict / 100 High confidence In trouble

GEICO Mobile users are experiencing significant frustration with rising insurance rates and persistent app issues like login problems, payment processing glitches, and the intrusive 'Drive Easy' tracking feature, despite some users still finding the app easy to navigate and appreciating GEICO's customer service.

4.8★ lifetime (4,730,010) Free to download since 2009 by GEICO updated 0.8 mo ago recent negative 52% 120 reviews across 2 regions
Rising Rates App Usability & Performance Drive Easy Program Payment Processing Customer Service Access
5★101
4★6
3★13
2★15
1★114
recent reviews across 2 regions, vs the 4.8★ lifetime average

Recent reviews for GEICO Mobile highlight a growing dissatisfaction among users, primarily due to unexpected and significant increases in insurance rates, even for long-term customers. The app itself is plagued with technical issues, including difficulties with login, password resets, and updating payment information, alongside concerns about the 'Drive Easy' feature's accuracy and privacy implications. Despite these issues, some users continue to praise the app's ease of use and GEICO's customer service.

What users like

  • App is easy to navigate and use for basic functions like viewing insurance cards and making payments.R2R4R47R49
  • Customer service is often described as great, friendly, and efficient, with quick responses.R3R25R42R49
  • Ability to reschedule payments and manage policies through the app is convenient.R38R58R95

What users complain about

  • Insurance rates are frequently increasing without clear explanation, leading to customer churn.R1R10R12R14
  • Login and password reset processes are buggy, clunky, and often require multiple steps or contact with customer service.R11R17R21R23
  • The 'Drive Easy' feature is inaccurate, drains phone battery, and penalizes users unfairly for normal driving or phone usage.R28R31R52R63
  • Updating payment information is difficult and unintuitive, sometimes requiring calls to customer service.R13R18R57R182
  • App experiences general performance issues like slow loading, crashes, and glitchy screens.R19R34R51R59
  • Auto-pay functionality is unreliable, with payments sometimes not processing or leading to cancellation notices.R7R69R79R81
  • Difficulty reaching a human customer service representative via phone.R72R73R86R87
  • Concerns about privacy invasion due to the app's tracking features.R39R85R101

Latest update · v5.106

What the developer says changed (the verdict above weighs this against what reviewers report):

Oh don't mind us. We're just coding around, working hard to make the app better for you. We made some minor customer experience improvements this release.

Recurring themes

Rising Rates negative
Many long-term customers report significant and unexplained increases in their insurance premiums, leading them to consider switching providers. This contradicts the expectation of savings often associated with GEICO.R1R10R12R14
App Usability & Performance negative
Users frequently encounter issues with the app's functionality, including difficulties logging in, resetting passwords, and updating payment information. The app is described as clunky, unintuitive, slow to load, and prone to crashes. The developer's notes mention 'minor customer experience improvements,' but recent reviews contradict this, indicating ongoing problems.R11R13R17R18
Drive Easy Program negative
The 'Drive Easy' feature is a major point of contention, with users reporting inaccurate tracking that penalizes them for normal driving, phone handling while not actively using the phone, or even being a passenger. It also drains phone battery and raises privacy concerns.R28R31R39R52
Payment Processing negative
Users report issues with auto-pay not working, payments not being pulled after confirmation, and receiving cancellation notices despite having authorized payments. There are also complaints about the removal of Apple Pay as an option for auto-pay.R7R26R69R79
Customer Service Access negative
Some users find it difficult to reach a human representative, reporting long hold times, dropped calls, and non-working phone numbers, especially when trying to resolve complex issues or understand rate increases.R72R73R86R87

Who it's for

This app is for existing GEICO customers who primarily need to access insurance cards, make basic payments, or manage policy details, provided they are willing to tolerate potential app glitches and rising rates R2R4R47. It is not for users who prioritize stable app performance, easy payment updates, or consistent rates, nor for those who dislike location tracking or require frequent direct contact with customer service R11R12R18R28.

Evidence note: The recent review sample skews significantly negative (51.8% negative), which contrasts sharply with the lifetime rating of 4.8. This suggests a recent downward trajectory in user satisfaction, particularly concerning rate increases and app functionality. While positive reviews praise ease of use and customer service, the volume and intensity of negative feedback on core issues like pricing and app reliability are substantial.

Frequently asked

Why are GEICO insurance rates increasing?
Many recent GEICO customers report significant and unexplained increases in their insurance rates, with some seeing their monthly payments double from $150 to $400 or annual premiums jump from $700 to $1400, even without claims or accidents R1R10R12R14.
Does the GEICO Mobile app have login issues?
Yes, many users report persistent login problems, including needing to reset passwords frequently, being locked out, difficulty with Face ID, and a clunky, multi-step verification process R11R17R21R23.
Is the 'Drive Easy' feature accurate and worth using?
Many users find the 'Drive Easy' feature inaccurate and frustrating, reporting that it penalizes them for normal driving actions like slow braking on inclines, registers 'phone handling' when the phone is untouched, drains battery, and raises privacy concerns due to constant tracking R28R31R39R52.
Can I easily update my payment information in the app?
No, many users find updating payment information, especially switching credit cards, to be a difficult and unintuitive process within the app, sometimes requiring calls to customer service R13R18R57R182.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] 5/5 · US Service: Great and easy to I use
  2. [R4] 5/5 · US Navigate: It is extremely easy to navigate
  3. [R47] 5/5 · US Love Geico: I love Geico and the app is easy to use! Thank you
  4. [R49] 5/5 · US Great service: I’m always happy with the customer service and the ease of navigating through the app.
  5. [R3] 5/5 · US Ginger: Thank you for great service
  6. [R25] 5/5 · US THE BEST!: I have had GEICO for 15 years and they are by far the least expensive plus excellent excellent service! You will never wait on hold very long with GEICO! Their coverage is Primo! They are who they say they are and they will do what they say they will do! It doesn't get any better than that!!
  7. [R42] 5/5 · US Best Customer service: Best insurance company to get, very fast response to any situation you may encounter!
  8. [R38] 5/5 · US Payment arrangement: Using this app works great saves you time when you can’t be on the phone on hold. I was able to reschedule my payment after my grace period which was amazing cause I wasn’t sure they were even able to do that. It was very convenient and very easy. Thank you to the GEICO App 😊 currently building
  9. [R58] 5/5 · US Friendly and efficient: It was very easy to adjust my payment method with the on time reminders of Geico
  10. [R95] 5/5 · US Best insurance ever: GEICO is great because the service they provide is fantastic. They with you in every step of the way like payment adjustments and claim processing quick and easy to get me in car rental on the same day. GEICO is very organized with their services and I will definitely recommend them. 🔥🔥🔥👍🏾👍🏾
  11. [R1] 5/5 · US RATES TO HIGH: RATES TO DAYUM HIGH
  12. [R10] 1/5 · US Not good to loyal customers: I’ve been with Geico for over 25 years with a great driving record and they keep going up in prices. I will be moving to another insurance provider asap.
  13. [R12] 1/5 · US Customer for years: Trash. Added 1 vehicle went from $150 a month to $400 with no explanation. Leaving asap.
  14. [R14] 1/5 · US Unethical practices!: This company raises rates for no reason at all. My insurance payments just went up by $100. No accident, no claims of any kind. Yet their commercials and advertisements always speak of savings. Now I’m paying them more money to do exact same thing they were doing for $100 less previously. Can’t wait to cancel them once this term is up and get a different carrier!
  15. [R11] 1/5 · US App Sucks.: I was stranded trying to contact road side assistance. The app kept saying i was putting in wrong password and wasn’t letting me reset it. Then it locked me out and said try again in 2 hours. This was an emergency and the app left me stranded.
  16. [R17] 1/5 · US Password Misery: It took me ten minutes with a cs operator to get a new password set up because your system forgot my password and couldn’t find my account using basic info. THAT is not something you want your customers to have to deal with in a crisis.
  17. [R21] 1/5 · US App not working: I have to get a new password every time I login. Fix this!
  18. [R23] 1/5 · US Logging In: This app used to be so easy to use to make payments now there’s eight different steps to verify your identity. I can’t seem to pay a bill on time because I can’t login.
  19. [R28] 1/5 · US Drive Easy issues: I do not touch my phone when I’m driving, I only use it through my apple carplay. But it keeps saying that I had “phone handling” on my trips where I did not even touch my phone.
  20. [R31] 3/5 · US Drive easy: Drains phone with the drive easy turned on. Need a better discount for all of this keeping track where we go at all times.
  21. [R52] 1/5 · US Stay away…: Don’t sign up for Drive Easy even with a perfect record they will double your monthly premium. Their customer service can’t much. Just stay away.
  22. [R63] 1/5 · US Scam: The DriveEasy function is bugged af. If u don’t mount ur phone on the car and turn it will keep saying bad cornering, make ur bill go up.
  23. [R13] 1/5 · US Complicated: Not intuitive at all. Took me five minutes to figure out where to change my cc info
  24. [R18] 3/5 · US Updating payment info: The functions to update your payment information is not easily accesible. One of the functions on the billing selections doesn’t even take you to your account information to update credit card information. I would like to update information as easy as possible without requiring a call to the call center to update something so simple.
  25. [R57] 1/5 · US Switching credit cards: Navigating the online menu to change from one credit card to another is not intuitive. It should not have taken me 45 minutes to switch from one car to another Card both of which were already stored. You need to work on that, specially if you’re gonna keep raising the rates.
  26. [R182] 3/5 · US UX: Very confusing process to enter a new payment method - three times it wouldn’t accept my security code
  27. [R19] 1/5 · US The app needs an overhaul: Terrible app and very unintuitive. Asks the same question over and over, takes a long time to load and just crashes randomly (iPhone 17 pro max).
  28. [R34] 1/5 · US Too Slow: App took forever to load. Made me login three times. Made me enter CC security code three times!!!!
  29. [R51] 1/5 · US Nothing works: This app is a mess every time I try to to do a payment or something else it just rejects al you do
  30. [R59] 1/5 · US buggy and slow: lame app
  31. [R7] 1/5 · US autopay: since my insurance was pending cancellation I wasn’t allowed to reactivate the auto pay so I had to pay double the amount that I would have if I was able to activate auto pay! so ridiculous and wrong!!! I just lost my husband and I’m trying to maneuver everything. It just made more stress than needed.
  32. [R69] 1/5 · US Terrible payment system: Every time I make a payment i get confirmation of my payment, screenshot it, and then they wait 3-5 days to pull the funds OR never pull them at all and then they get nasty and send me cancellation notices when I’ve literally authorized them to pay it they just DON’T perform their end of the transaction. Incredibly frustrating and since it happens every month I’ve convince
  33. [R79] 3/5 · US Pending cancellation: I don’t like the fact that my payment was literally due today and before the day was even over there was already a pending cancellation notice. Like damn let me at least go past the due date before the notice shows on the account
  34. [R81] 1/5 · US What’s the point of auto pay if it doesn’t make the payment.: Just started with Geico for auto insurance. I immediately set up auto pay and the first payment just doesn’t work. So I had to go in manually (technically late now) and pay. Using the same card mind you. I hope this isn’t a reoccurring thing.
  35. [R72] 3/5 · US RV Quote: I have tried to get an RV quote multiple times by phone, but have not gotten any email after being promised to receive it within 24 hours by the agent I spoke with. I tried calling again yesterday but was on hold for almost 1 hr and 30 minutes. I tried calling again today and was speaking with an agent when the call dropped. I did not get a call back and right now I have been on hold wai
  36. [R73] 2/5 · US Impossible to reach human: I have a question where solution is not listed, i am Unable to reach human
  37. [R86] 1/5 · US Terrible customer service: Calls won't go through and they won't cancel my policy like I requested two months ago
  38. [R87] 1/5 · US No humans: Every single phone number they list doesn’t work. I called from 3 different phones and every single one was a dead line. Do NOT give your hard earned money to this place, imagine if I had gotten into an accident and couldnt reach anyone. Ridiculous.
  39. [R39] 5/5 · US I cannot believe the absolute INVASION of privacy with the force download of just an app… WEIRDOS: It’s weird how Geico feels it’s ok to invade so much of my personal info. I’m leaving over the force geico app download, is a sneaky way for them to spy on their customers, literally all their privacy business . Everyone read the “new app” privacy new policy terms …. just for an app? How dare you. Im
  40. [R85] 3/5 · US Savings: I love how much they save me but I don’t like being tracked everywhere i go and what I’m doing. My vehicle doesn’t move much because I work from home and I’m not a phone user so it is stationary a lot and for the driving score it flags me a lot because of this. Again I do not like being tracked so when I use the vehicle I turn it on so I’m not penalized and have to pay a higher rate!
  41. [R101] 1/5 · US I love always sharing my location: Never using GEICO again invasion of privacy for discount
  42. [R26] 3/5 · US Scheduled payments: Your site does not seem to be able to tell me whether I might have scheduled a payment for a future date or not

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store