Geico DriveEasy Review (2023)
The Geico DriveEasy program allows drivers to save up to 25% on auto insurance. Geico DriveEasy Pro, the program's app, monitors cornering, hard braking, and more, offering a discount based on your Geico DriveEasy score. This Geico DriveEasy review explains more about program enrollment and benefits.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Sep 24, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Safe drivers can save up to 25% on their auto insurance policy through the Geico DriveEasy program
- You can download Geico DriveEasy Pro, the program’s mobile app, in 17 states
- The app rewards “good drivers” but will also increase insurance rates for drivers who show risky driving behavior
Geico DriveEasy is a telematics program that monitors driving behaviors to give you auto insurance discounts. With the program, Geico attempts to lower high-risk auto insurance claims by encouraging drivers to stay safe on the road and earn up to 25% in Geico DriveEasy savings.
In this Geico DriveEasy review, you’ll learn more about how the app works, Geico DriveEasy eligibility, and how to get the most with the Geico DriveEasy app.
Understanding the Geico DriveEasy Program
Affordable usage-based auto insurance has become a competitive game. Geico DriveEasy is one of many driving apps that help lower auto insurance rates. In addition, like most apps, it’s easy to use. Read more about the best auto insurance apps.
To begin Geico DriveEasy enrollment, download the mobile app to your phone and enable the required settings.
Once you start driving, the app detects driving and gives a Geico DriveEasy score after each trip. You can view your trips on the dashboard, allowing you to see where to improve your driving.
Geico DriveEasy eligibility extends to the following states:
- Colorado
- Connecticut
- Florida
- Illinois
- Indiana
- Kentucky
- Louisiana
- Maryland
- North Carolina
- New Jersey
- New Mexico
- Oklahoma
- Oregon
- Pennsylvania
- Virginia
- Texas
- Wisconsin
Geico claims most customers earn a Geico DriveEasy discount based on safe driving habits. However, it will apply higher auto insurance rates depending on your location. Other cheap auto insurance programs may be available to those outside the 17 eligible states.
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Everyone on your policy can download the app for overall Geico DriveEasy savings on your auto insurance policy.
Habits Monitored by the Geico DriveEasy App
Geico DriveEasy is looking for the core behaviors of distracted driving: phone calls and phone use. Geico docks drivers points for holding their phone or tapping its screen, but you may use hands-free calling. You’ll also be penalized by Geico DriveEasy for cornering, speeding, or hard braking.
The Insurance Information Institute report on distracted driving showed that cell phones increasingly cause fatal accidents on the road. In 2018, 385 people died in crashes that “involved the use of cellphones or other cell phone-related activities as distractions.”
See the chart below for a full breakdown of the driving habits that Geico tracks on the Geico DriveEasy app:
| Score Component | Geico DriveEasy Definition |
|---|---|
| Distracted driving | Handheld phonecalls and active phone use when driving faster than 6 miles per hour will be tracked and monitored. If a passenger uses your phone, it will still count against you. |
| Hard braking | Your rate of deceleration while driving will be tracked, producing a hard-braking score. |
| Cornering | How fast you are driving when cornering will be used to determine if you were driving safely. Slow down when going into turns to maintain control of your vehicle. |
| Smoothness | How you control your speed will be tracked. Frequent changes of speed and abrupt stopping increase your chances of getting into an accident. |
| Road type | The type of road you are driving on and the speed limits will be detected. Complex roads with changing speed limits are riskier than straight highways. |
| Distance driven | How long you drive from one place to another will be tracked and monitored. |
| Time of day | Driving late at night or early in the morning is considered riskier than general daytime driving. |
| Weather | The type of weather you are driving in is detected to determine road conditions. In bad weather, visibility is impacted, and conditions are considered risky. |
Now that you’ve learned what can raise and lower your Geico DriveEasy score, keep reading to see if you’re ready to buy usage-based auto insurance through DriveEasy.
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Deciding Whether Geico DriveEasy Is Worth it
Geico DriveEasy benefits encourage drivers to drive safely in exchange for lower car insurance rates. In fact, the DriveEasy app has helped Geico place high on our list of the best auto insurance companies for telecommuters.
However, not all of these apps penalize “bad” driving behaviors like Geico auto insurance. Here’s a list of other usage-based auto insurance companies:
| Insurance Company | Program Name | Device Type | Sign-up Discount | Earned Savings |
|---|---|---|---|---|
| AAA | AAADrive | Mobile App | 15% | 30% |
| Allstate | Drivewise | Mobile App | 3% | 15% |
| American Family | KnowYourDrive | Mobile App or Plug-in | 5% | 20% |
| Esurance | DriveSense | Mobile App | 5% | 30% |
| Geico | DriveEasy | Mobile App | 20% | 20% |
| Liberty Mutual/SafeCo | RightTrack | Mobile App or Plug-in | 5% and up | 30% |
| MetLife | My Journey | Plug-in | 10% | 30% |
| Metromile | Metromile | Mobile App | 25% | 60% |
| Mile Auto | Mile Auto | Neither | 20% | 40% |
| Nationwide | SmartRide | Mobile App or Plug-in | 10% | 40% |
| Progressive | Snapshot | Mobile App or Plug-in | average of $25 | 20% |
| State Farm | Drive Safe & Save | Mobile App or Plug-in | 5% | 30% |
| The Hartford | TrueLane | Plug-in | 5% | 25% |
| Travelers | IntelliDrive | Mobile App | 10% | 20% |
| USAA | SafePilot | Mobile App | 5% | 20% |
Interested in learning more about the Geico DriveEasy program? Enter your ZIP code to see what usage-based auto insurance programs are available in your area.
Frequently Asked Questions
What is Geico DriveEasy?
Geico DriveEasy is a usage-based insurance program offered by Geico, one of the leading insurance companies in the United States. It uses telematics technology to monitor and assess your driving behavior. You could receive Geico DriveEasy savings on your auto insurance premiums if you drive safely.
How does Geico DriveEasy work?
Geico DriveEasy utilizes a mobile app or a plug-in device to track various aspects of your driving, such as acceleration, braking, speed, and mileage. Then, Geico uses your data to determine your Geico DriveEasy score. If your score is good, you could earn a Geico DriveEasy discount.
Is Geico DriveEasy available to all Geico customers?
Geico DriveEasy is available to both new and existing Geico customers. However, its availability may vary depending on your location, as the Geico DriveEasy program is only available in 17 states.
Is Geico DriveEasy worth it?
By participating in the Geico DriveEasy program, you have the opportunity to earn discounts on your auto insurance premiums if you have safe driving habits. Additionally, DriveEasy provides personalized feedback and insights into your driving habits, which can help you become a safer driver and potentially reduce the risk of accidents.
Will Geico DriveEasy make my rate go up?
You could see higher auto insurance rates if you have a poor Geico DriveEasy score. However, you’ll earn a Geico DriveEasy discount if you have safe driving habits.
How is my driving performance assessed in Geico DriveEasy?
Geico DriveEasy evaluates your driving performance based on factors such as cornering, acceleration, braking, speed, and mileage. These factors get analyzed to generate a Geico DriveEasy score, which determines your eligibility for potential discounts on your insurance premiums.
What discounts can I earn with Geico DriveEasy?
The Geico DriveEasy discount you can earn varies depending on your driving performance. Generally, safer driving habits can lead to greater Geico DriveEasy savings on auto insurance premiums.
Will Geico DriveEasy affect my privacy?
Geico DriveEasy collects driving data through a mobile app or a plug-in device. While this data gets used to assess your driving habits, Geico assures that it takes privacy seriously and follows strict privacy policies. The collected information gets used for evaluating driving scores and determining potential Geico DriveEasy discounts. It doesn’t get shared with third parties without your consent except as the law requires.
Can I opt out of Geico DriveEasy if I decide it’s not for me?
Yes, you can opt out of the Geico DriveEasy program anytime. If you decide that the program isn’t suitable for you or you no longer wish to participate, you can contact Geico and request to discontinue your Geico DriveEasy enrollment.
Does Geico DriveEasy drain battery?
While the Geico DriveEasy Pro mobile app enters sleep mode when not driving, it will drain your battery life quicker while driving.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.