GEICO sells straight to you, and that direct model is the whole pricing story: no branch network to support, quotes in minutes online or by phone, and claims reporting available around the clock. The company started in 1936 selling auto coverage by mail to federal employees and military personnel, and it has been a Berkshire Hathaway subsidiary since 1996. Auto is the anchor line, alongside motorcycle, ATV, RV, boat and personal watercraft, scooter, classic auto and Mexico auto policies. Homeowners, renters, condo, mobile home, landlord, flood, earthquake, umbrella, life, pet and small business coverage is arranged through the GEICO Insurance Agency and underwritten by partner carriers, so check your declarations page to confirm which company actually holds the risk. AM Best assigns GEICO an A++ (Superior) financial strength rating, the top of its scale.
