GEICO Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
In Texas in 2025, GEICO's rate of confirmed auto complaints per policy was 75% of the average for all auto insurers (164 confirmed complaints). In New York's 2024 ranking, GEICO's rate of upheld complaints per premium dollar was 27% of the average (48 upheld complaints). In California's 2025 report on the 50 largest auto insurers, GEICO's rate of justified complaints per insured vehicle was 30% of the average (68 justified complaints).
Texas 2025
0.75
Fewer complaints than average
164 confirmed complaints, 1,325,576 auto policies. Average = 1.00.
New York 2024
0.27
Fewer complaints than average
48 upheld complaints on $5,297 million of premium. Average = 1.00.
California 2025
0.30
Fewer complaints than average
68 justified complaints, 3,681,833 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in GEICO's numbers
In Texas this page counts 6 companies selling as GEICO. The largest, GEICO Texas County Mutual Insurance Company, holds 65% of the brand's 1,325,576 auto policies in force there, so its record drives the score.
"Poor claim handling or communication" came up in 55% of Texas complaints about GEICO, against 61% for all Texas auto insurers.
GEICO's Texas complaint index rose from 0.48 in 2024 to 0.75 in 2025 (59 confirmed complaints, then 164).
In New York's 2024 ranking, the 3 companies selling as GEICO placed between 49 and 56 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, the 3 companies selling as GEICO placed between 2 and 16 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 680 auto complaints about GEICO. The most common reasons:
- Poor claim handling or communication (55% of complaints)
- Claim delays (38% of complaints)
- Low settlement offer (33% of complaints)
- Policy service problems (15% of complaints)
- Claim denied (13% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
53% of the 506 claim complaints about GEICO ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If GEICO is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as GEICO
- GEICO Texas County Mutual Insurance Company (TX, NAIC 27863)
- Government Employees Insurance Company (TX, NAIC 22063)
- GEICO General Insurance Company (TX, NAIC 35882)
- GEICO Indemnity Company (TX, NAIC 22055)
- GEICO County Mutual Insurance Company (TX, NAIC 29181)
- GEICO Advantage Insurance Company (TX, NAIC 14138)
- GEICO General Insurance Company (NY, NAIC 35882)
- Government Employees Insurance Company (NY, NAIC 22063)
- GEICO Indemnity Company (NY, NAIC 22055)
- GEICO Indemnity Company (CA)
- GEICO Protection Insurance Company (CA)
- GEICO General Insurance Company (CA)
Frequently asked questions
Does GEICO have a lot of complaints?
In Texas in 2025, GEICO's rate of confirmed auto complaints per policy was 75% of the average for all auto insurers (164 confirmed complaints). In New York's 2024 ranking, GEICO's rate of upheld complaints per premium dollar was 27% of the average (48 upheld complaints). In California's 2025 report on the 50 largest auto insurers, GEICO's rate of justified complaints per insured vehicle was 30% of the average (68 justified complaints).
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. GEICO's Texas score of 0.75 means 75% of the average.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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