Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

GEICO Mobile vs Liberty Mutual Mobile

GEICO Mobile 4.8★ · Free to download 75
Winner GEICO Mobile
Liberty Mutual Mobile 4.8★ · Free to download 65

GEICO Mobile has a slight edge due to its more consistent app functionality for payments and policy management, despite both apps facing criticism regarding customer service and rate increases.

Full reviews: GEICO Mobile · Liberty Mutual Mobile

GEICO Mobile and Liberty Mutual Mobile both offer insurance management, but GEICO's app generally provides a smoother experience for payments and policy updates. Liberty Mutual's app struggles with billing issues and policy changes, often requiring users to call customer service.

Head to head

Features & Functionality edge: GEICO MobileR3R5R15R19
GEICO Mobile GEICO Mobile users appreciate being able to perform most tasks within the app, including making payments and updating payment methods easily R5R24. However, some users report issues with specific features like Apple Pay no longer being supported R3, face recognition not working R15, and difficulty adding specific coverages like motorcycles . The app also receives criticism for being clunky, buggy, and requiring multiple attempts for actions R19.
Liberty Mutual Mobile Liberty Mutual Mobile users find the app useful for managing multiple rentals and accessing information . However, many users report significant issues with core functionalities, particularly paying bills , making policy changes R69R76R91R113, and the app not displaying all policies . Some describe the app as a 'website wrapper' with poor navigation and broken links .
Ease of Use edge: GEICO MobileR9R15R24R25
GEICO Mobile GEICO Mobile is often described as easy to use, user-friendly, and convenient for making changes and payments R24. However, some users find the login process clunky and difficult, citing issues with 2FA and repetitive security codes R9R15R25. Others complain about slow loading times and forced updates .
Liberty Mutual Mobile Liberty Mutual Mobile receives mixed reviews for ease of use. Some users find it simple, easy to navigate, and intuitive . Conversely, many describe it as difficult, unintuitive, and frustrating to use, with issues like not being able to set up the app, broken links, and confusing navigation .
Reliability edge: GEICO MobileR4R5R12R19
GEICO Mobile GEICO Mobile's reliability is a point of contention. While some users praise its constant availability R5, others report frequent crashes, bugs, and general unreliability R19. Billing issues, such as early cancellation notices and payment processing delays, are also noted R4R12.
Liberty Mutual Mobile Liberty Mutual Mobile's reliability is a major concern for users. Many report that the app often doesn't work, fails to update payments or dates, and has inconsistent functionality R91. Issues include policies going missing, changes not saving, and the app not providing necessary codes for setup .
Price & Value tieR8R10R13R26
GEICO Mobile GEICO Mobile users have mixed opinions on price. Some praise GEICO for good pricing and significant savings R8R26, while others complain about aggressive rate increases and high insurance costs, leading them to seek alternatives R10. Some feel they don't see the benefits of their coverage despite paying full price R13.
Liberty Mutual Mobile Liberty Mutual Mobile users also have varied experiences with pricing. Some switched to Liberty Mutual for lower premiums and better value . However, others express dissatisfaction with high insurance costs, feeling overcharged, and not receiving promised discounts .
Customer Support edge: GEICO MobileR1R6R7R13
GEICO Mobile GEICO Mobile's customer service receives both praise and strong criticism. Many users highlight excellent, top-tier, knowledgeable, friendly, and efficient customer service reps . Conversely, a significant number of users express frustration with the lack of human interaction, long hold times, dropped calls, and inability to resolve issues without calling R6R7. Claims processing is also a point of contention R1R13.
Liberty Mutual Mobile Liberty Mutual Mobile users frequently report poor or useless customer service, especially when trying to resolve billing errors, make policy changes, or deal with app issues . Some users praise specific agents for being helpful , but the overall sentiment is that the company's system and support are difficult to work with .
Privacy & Tracking edge: GEICO MobileR18R63R66R73
GEICO Mobile GEICO Mobile users express concern about being tracked for driving scores, feeling it's intrusive and can lead to higher rates if not managed R18.
Liberty Mutual Mobile Liberty Mutual Mobile users strongly object to the intrusive nature of the RightTrack program, which requires 24/7 precise location access and drains phone battery R63R66. Users also report inaccurate tracking, penalizing them for normal driving or even passenger activity R73. There are also technical issues with setting up these permissions .
Pick GEICO Mobile if

You prioritize an app that generally handles payments and basic policy changes well, even if it has occasional bugs and you might need to be persistent with customer service for complex issues R5R24R34. You are comfortable with some level of driving tracking for potential discounts R18.

Pick Liberty Mutual Mobile if

You are looking for potentially lower premiums and good service from specific agents, and you are willing to tolerate significant app limitations, especially with billing and policy changes, often requiring phone calls .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both show significant frustration, particularly with app functionality and customer service. The free-to-download nature means many negative reviews stem from basic friction points with the app experience rather than the core insurance product itself.

Frequently asked

Can I pay my bill using the GEICO Mobile app?
Yes, many GEICO Mobile users report that the app makes it easy to make payments and update payment methods R5R24R34R58.
Does Liberty Mutual Mobile allow me to make policy changes in the app?
Many Liberty Mutual Mobile users report significant difficulty or inability to make policy changes directly within the app, often receiving errors or finding that submit buttons don't work, forcing them to call customer service R69R76R91R113.
Do these apps track my driving behavior?
Yes, both apps have features that track driving behavior, which some users find intrusive. GEICO Mobile users mention being tracked for driving scores R18, while Liberty Mutual's RightTrack program is criticized for requiring 24/7 precise location access, draining phone battery, and inaccurately penalizing drivers R63R66R73.

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. [R3] GEICO Mobile 3/5 · US Apple Pay option gone: The Apple Pay used to be an option for payment on Apple app but no longer supported in the latest version. Why so?
  2. [R5] GEICO Mobile 5/5 · US Love Geico! Love the App!: I can do almost everything I need to do! And it's always available. I literally left GEICO and the other company’s app was so useless, I switched back! FOR REAL! Twice!
  3. [R15] GEICO Mobile 3/5 · US Face recognition: Does not work right I have to manually put in my info when it’s already put in plus keep doing security codes
  4. [R19] GEICO Mobile 1/5 · US Buggy: Awful, buggy, terrible. Nearly unused. It requires multiple attempts to do literally anything in the app. My numbingly repetitious.
  5. [R9] GEICO Mobile 3/5 · US Login could be smoother: I don’t like how clunky the login process is. It feels like I am logging in the way you would on a webpage.
  6. [R24] GEICO Mobile 5/5 · US Geico: Thanks to the easy access and setup on Geico app, I can make changes and update payment methods easily on the app! It’s convenient and easy to use! Thanks for sharing an experience that is very useful and easy to navigate!
  7. [R25] GEICO Mobile 1/5 · US Abysmal: Can’t login with my birthdate/policy # saved password don’t work either. Read fine print you be amazed at the verbiage that increases your rates.
  8. [R4] GEICO Mobile 1/5 · US Due dates: It says I’m at risk of getting canceled, yet my bill is due on the first.
  9. [R12] GEICO Mobile 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
  10. [R8] GEICO Mobile 5/5 · US Greatest insurance company !: GEICO is awesome full coverage for less than 220 a month ‼️
  11. [R10] GEICO Mobile 1/5 · US Aggressive increases: Auto insurance plan went from $700 a year to double at $1400 a year for no reason. Switch to Progressive immediately. Rates are way too high. Avoid this company.
  12. [R13] GEICO Mobile 1/5 · US Lousy insurance: For the whole time paying geico I don’t see the benefits of having this coverage I have cracked window and paying full coverage and yet I was told I can’t get the window fixed. I am looking for other insurance that is cheaper and more reasonable and accommodating to a car that is paid off yet no benefits no discounts but you guys are quick to cancel someone and take money it’s a r
  13. [R26] GEICO Mobile 5/5 · US I use the motorcycle insurance.: It is pretty good pricing for motorcycle insurance. They make it super easy to navigate the website, and paying early for monthly pay.
  14. [R1] GEICO Mobile 1/5 · US Terrible: Google took my car down the wrong road. Ruined my car. GEICO app denied claim. Said it was my fault. New insurer or a court case incoming
  15. [R6] GEICO Mobile 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
  16. [R7] GEICO Mobile 1/5 · US Bring back humans: Geico is horrible now. I used to call and deal with a human being and now I have this terrible app. You can’t call anyone, the app is horrible and I really want to change insurance companies asap. I’ve been a customer for 10+ years and the last five have been a terrible experience. BRING BACK HUMAN BEING NOBODY WANTS THIS AI JUNK
  17. [R18] GEICO Mobile 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!
  18. [R63] Liberty Mutual Mobile 3/5 · US Intrusive: Feeling like too many allow on settings and access given in order to opt into program, feels intrusive
  19. [R66] Liberty Mutual Mobile 3/5 · US 24/7 Precise Location Req’d for RightTrack - not cool: Very disappointed the safe driving discount requires nonstop access to your precise location, especially since I work from home and don’t drive for days. An invasion of privacy to see your customers’ location 24/7! Find a better way. Also, you’re killing my phone battery.
  20. [R73] Liberty Mutual Mobile 1/5 · US RightTrack: Right track app counts point off even if you use hands free to answer phone calls. If you have Apple car play you can text and do anything you want from the car screen. I just started count everything as passenger if I have to use my phone during that drive.
  21. [R34] GEICO Mobile 5/5 · US great to work with, Geico makes it easy to make payments online.: Five star
  22. [R58] GEICO Mobile 5/5 · US Very efficient: Very quick to pay, no entering anything to get to the paying my bill. Love how quick and easy it is.
  23. [R69] Liberty Mutual Mobile 3/5 · US Difficult Policy Change: I try so much times to modify my policy by the app but not allowed, which is very inconvenient to call to change and compare the price. Geico did a great job on the app with this.
  24. [R76] Liberty Mutual Mobile 2/5 · US Unnecessarily difficult: The app is good, unless you want to make the most basic changes to your policy. I have tried multiple times to just add a Landlord to my renter’s policy, and it gives me an error saying that I need to call tech support to make that change. Same thing with literally just adjusting my address. It shouldn’t be this complicated. If you can’t make these simple changes on the ap
  25. [R91] Liberty Mutual Mobile 2/5 · US Not working app: Tried to change dates for payments and change info and when you press submit nothing happens
  26. [R113] Liberty Mutual Mobile 2/5 · US Really needs some work: Accessing information is good, however when it comes to making policy changes that app really needs some work. iPad screen draw is inconsistent, with titles and buttons getting cut off. Tried to remove a driver and a car on the iPad - no submit buttons. Tried to remove a car on an iPhone and the submit button just didn’t do anything. Date fields require a specific pattern,

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