GEICO DriveEasy Review (2021)

GEICO DriveEasy savings start once the app is downloaded to your phone. Your GEICO DriveEasy score will help calculate your auto insurance discount. This usage-based auto insurance program can help drivers save up to 25 percent. Read more about GEICO quotes below then compare car insurance quotes online to find the cheapest rates.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 25, 2021

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Things to Remember

  • GEICO DriveEasy is an app available in 17 states
  • Safe drivers can save up to 25 percent on their auto insurance policy through GEICO’s usage-based program
  • The app rewards “good drivers” but will also increase insurance rates to drivers who show risky driving behavior.

GEICO DriveEasy is a background app that monitors your driving to give you safe-driving discounts. Through DriveEasy, GEICO attempts to lower high-risk auto insurance claims by encouraging drivers to stay safe on the road and earn up to 25 percent savings on their policy.

In this GEICO DriveEasy app quick guide, learn more about how the app works, how to use your GEICO login, and how to get the most with the usage-based discount.

Think that you can make the most of this GEICO insurance program? Before you buy, see how much you can save by comparing insurance quotes online. Enter your ZIP code above to start now.

How does DriveEasy work?

Affordable usage-based auto insurance has become a competitive game. GEICO DriveEasy is one of many apps available that help to lower auto insurance rates. And like most apps, it’s easy to use.

First, you download the mobile app to your phone and enable the required settings.

Once you start driving, DriveEasy will detect the motion and begin scoring each trip. You can view your travels on the dashboard. This is helpful as you will be able to see where you could make changes to better your driving.

DriveEasy GEICO is currently available in the following states:

  • Colorado
  • Connecticut
  • Florida
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Maryland
  • North Carolina
  • New Jersy
  • New Mexico
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Virginia
  • Texas
  • Wisconsin

GEICO claims that most customers will earn a discount based on safe driving habits. However, it will apply higher auto insurance rates depending on what state you live in. Other cheap auto insurance programs GEICO may be offered to those outside the 17 eligible states.

Everyone on your policy can download the app for overall savings (or increase) on your auto insurance policy.

What habits does GEICO DriveEasy monitor?

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. Though, you may use hands-free calling.

The Insurance Information Institute reported that cellphones increasingly cause fatal accidents on the road. In 2018, there were 385 people fatalities 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 GEICO DriveEasy.

GEICO DriveEasy Tracked Behaviors
Score ComponentGEICO DriveEasy Definition
Distracted drivingHandheld 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 brakingYour rate of deceleration while driving will be tracked, producing a hard-braking score.
CorneringHow 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.
SmoothnessHow you control your speed will be tracked. Frequent changes of speed and abrupt stopping increase your chances of getting into an accident.
Road typeThe 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 drivenHow long you drive from one place to another will be tracked and monitored.
Time of dayDriving late at night or early in the morning is considered riskier than general daytime driving.
WeatherThe type of weather you are driving in is detected to determine road conditions. In bad weather, visibility is impacted, and conditions are considered risky.
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Now that you’ve learned about what can raise and lower your driving score keep reading to see if you’re ready to buy usage-based auto insurance through DriveEasy.

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Is GEICO DriveEasy worth it?

GEICO DriveEasy is one of many usage-based auto insurances that encourages drivers to save money with lowered policy rates. In fact, the DriveEasy app has helped GEICO place high on our list of the best insurance providers for telecommuters.

However, not all of these apps penalize “bad” driving behaviors like GEICO. Here’s a list of other usage-based auto insurance providers:

Usage-Based Insurance by Provider, Discount, and Savings
Insurance CompanyProgramDeviceEnrollment Discount (Up to)Earned Savings (Up to)
AAAAAADriveMobile App15%30%
AllstateDrivewiseMobile App3%15%
American FamilyKnowYourDriveMobile App or Plug-in5%20%
EsuranceDriveSenseMobile App5%30%
Geico DriveEasyMobile App-20%
Liberty Mutual/SafeCoRightTrackMobile App or Plug-in5% and up30%
MetLifeMy JourneyPlug-in10%30%
MetromileMetromileMobile App-60%
Mile AutoMile AutoNeither-40%
NationwideSmartRideMobile App or Plug-in10%40%
ProgressiveSnapshotMobile App or Plug-inaverage of $2520%
State FarmDrive Safe & SaveMobile App or Plug-in5%30%
The HartfordTrueLanePlug-in5%25%
TravelersIntelliDriveMobile App10%20%
USAASafePilot Mobile App 5%20%
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Interested in learning more about GEICO DriveEasy? Enter your ZIP code to see what usage-based auto insurance programs are offered in your area.

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