GEICO car insurance, as GEICO describes it
Eleven insurance companies marketing under one trademark, owned by Berkshire Hathaway. Here is what they publish, and what they leave open.
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The basics, as GEICO publishes them
- Owned by
- Berkshire Hathaway
- Founded
- 1936
- How you buy
- Direct, or through an agent
- Auto coverage
- All 50 states and DC
What GEICO publishes about itself
GEICO is not one company. Its corporate ownership page lists eleven insurance companies that “market collectively under the trademark GEICO®”, all wholly owned by Berkshire Hathaway, and its states-of-operation page shows that they are not all licensed in the same places. Separately, GEICO Insurance Agency places business with insurers that GEICO does not own — so a policy bought through GEICO is not necessarily underwritten by a GEICO company. None of this is hidden; all of it is on their site, and none of it is obvious from the advertising.
What is settled, and what is not
Everything on the left is stated by GEICO. Everything on the right is a question their published material does not answer — which makes it a question worth asking on the phone.
They state this
They sell direct, and started that way
GEICO's own account of its business model says it pioneered selling directly to customers and continues that practice. You can buy a policy without going through an agent at all — which is unusual enough among large carriers to be the defining fact about them.
There are agents too
GEICO's agent locator shows two categories, local GEICO agents and independent agencies. So “direct only” is not accurate either. Whether the local agents sell other companies' products is not stated on that page.
Eleven companies, different licenses
GEICO states its companies insure over 16 million customers in all 50 states and the District of Columbia. Its published states-of-operation list shows the licensing is uneven underneath that: three of the eleven are not licensed in nine states, and one writes only in Texas.
The repair guarantee is written down
Through the Auto Repair Xpress program, GEICO states that it and the repair facility guarantee the repairs for as long as you own the vehicle, with the guarantee provided in writing on delivery. It also states you can use any shop you choose.
Claims staff around the clock
GEICO states its claims representatives are available anytime to help file a claim, and that claims can be started online or by phone.
They do not
The GEICO name does not always mean a GEICO company
GEICO Insurance Agency places business with affiliated and non-affiliated insurers, and GEICO's own page says each of those insurers “has sole financial responsibility for its own insurance products”. Which company actually carries your risk is a fair question to ask before you buy, and it is not answered in advance.
Which of the eleven would write you
The entity matters, because the rates that apply to you are the ones that entity filed with your state. Their pages list which companies are licensed where; they do not say which one you would land in.
Whether they will write you at all
Underwriting is where carriers differ most and publish least. No carrier publishes who it declines, and a lapse, a violation, or a vehicle can change the answer. It is not a question any website can settle for you.
Discounts GEICO names
These are the credits GEICO lists on its own site. Which of them you qualify for, what each is worth, and whether it is already on a policy you hold are all questions for an agent — none of them is published, because none of them is the same for two people.
- Multi-vehicle
- Multi-policy
- Clean driving record
- DriveEasy
- Defensive driving
- Driver training course
- Good student
- Student away at school
- Deployed driver
- Homeownership
- Anti-lock braking system
- Early shopper
- Online quote
- Paperless
- Paid in full
- Auto pay
GEICO questions
Can I get a GEICO quote by calling the number on this page?
No. The number here reaches a licensed independent agent, not GEICO. InsuranceXR is not an insurance agency and cannot quote any company. If you specifically want GEICO, go to geico.com or call them directly — they sell direct, so there is nothing between you and them.
Does GEICO use agents, or is it direct only?
Both. GEICO says it pioneered selling directly to customers and still does, and its agent locator also lists local GEICO agents and independent agencies. Direct is the channel it is known for, not the only one it has.
Who actually underwrites a GEICO policy?
One of eleven insurance companies that market under the GEICO trademark, all owned by Berkshire Hathaway — or, for some products, an insurer GEICO does not own at all. GEICO Insurance Agency places business with affiliated and non-affiliated insurers, and states that each insurer has sole financial responsibility for its own products. Ask which company is on the policy.
Is GEICO available in every state?
GEICO states that its companies insure customers in all 50 states and the District of Columbia. Underneath that, licensing varies by entity: three of the eleven companies are not licensed in California, Florida, Hawaii, Massachusetts, Michigan, Minnesota, New York, North Dakota or South Dakota, and one is licensed only in Texas.
All 18 companies
Alphabetical, which is the only order here — we do not rank them. The one you are reading is marked.
Find out who will actually write you
Whether GEICO — or anyone else — will write your profile, and at what price, is underwriting. No website can answer it. A licensed agent can, on a call that costs nothing.
Auto insurance line
(888) 883-0806Calling costs nothing and there is no obligation to buy.
Not an insurer. We connect you with licensed agents.
InsuranceXR is an independent referral service. We are not an insurance agency, we are not affiliated with GEICO, and GEICO has not reviewed this page. All trademarks are the property of their respective owners. Everything stated here about GEICO is drawn from geico.com — its corporate ownership, history, business model, states of operation, agency partners, discounts and claims pages — read on September 15, 2026.
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