Does GEICO Have a Loyalty Program?

Last Updated on March 28, 2024

GEICO does not technically offer a loyalty program, although customers who insure multiple vehicles or have multiple policies with GEICO could save 20% to 30% overall.

Whether you’ve been with GEICO for 20 years or five months, you’ll pay the same rates for car insurance, all else being equal.

Keep reading to find out everything you need to know about how GEICO rewards loyal customers.

Key Takeaways:

  1. GEICO does not have a formal loyalty program, but customers insuring multiple vehicles or policies with GEICO can save 20% to 30%.
  2. Discounts and savings with GEICO are based on factors like vehicle value, driving history, and policy bundling, not customer tenure.
  3. GEICO rewards customers through multi-policy and multi-vehicle discounts, group affiliation discounts, and potentially better customer service for longstanding policyholders.

No, GEICO Doesn’t Have a Loyalty Program

GEICO, like most of its competitors, doesn’t offer a loyalty program for longstanding customers.

Instead of calculating rates based on your tenure with the company, GEICO calculates rates based on vehicle value, driving history, location, and other factors.

However, GEICO does offer multi-vehicle and multi-policy discounts to customers. If you have multiple policies with GEICO, you’ll save money across all policies. The more policies you bring to the company, the more you save per policy.

How GEICO Multi-Policy Discounts Work

GEICO offers multi-policy discounts to drivers who want to save money on car insurance.

These discounts function similarly to loyalty discounts. GEICO even labels them “customer loyalty discounts” on their official website. Technically, however, these discounts are available to all GEICO customers, regardless of how long you’ve been with the company:

  • Multi-policy discounts. If you have home insurance, auto insurance, renters insurance, mobile home insurance, condo insurance, or other insurance policies with GEICO, then you’ll save money across all policies.
  • Multi-vehicle discounts. If you insure two or more vehicles with GEICO, then you’ll save up to 25% on most car insurance coverages.

Overall, these discounts reward loyal customers who bring more business to GEICO, helping you save 20% to 30% compared to buying individual policies.

Other GEICO Loyalty Perks

GEICO doesn’t officially offer loyalty discounts or savings. However, GEICO may be willing to provide superior customer service to longstanding customers compared to new customers.

Let’s say you’ve been a loyal GEICO policyholder for 20 years. You’ve never missed a premium payment. One day, you realize you missed a payment, and GEICO charges you a late fee. In this situation, you may be able to call GEICO and waive the late fee as a reward for being a longstanding customer. In comparison, a new customer who missed their first month’s premium payment would be unlikely to get this fee waived.

Overall, GEICO does not technically offer loyalty perks to longstanding customers. However, GEICO’s customer service team can see how long you’ve been a customer every time you contact the company, which could give you access to different opportunities and perks.

Other GEICO Discounts

GEICO offers dozens of discounts, including loyalty-related discounts like multi-policy discounts along with safe driving discounts, good student discounts, and more.

Here are some of the discounts you could receive as a loyal GEICO policyholder:

  • Safe driving discounts. The longer you drive without a claim or accident as a GEICO policyholder, the more you can save. This discount should carry over to competing companies (and follow you to GEICO). However, GEICO may provide smaller or larger savings than other insurers, which could give you greater incentive to stick with GEICO. GEICO provides a safe driving discount of 22% if you’ve been accident-free for five years, for example.
  • Driver affiliation discounts, including discounts for federal employees (like GEICO’s “Eagle Discount”), military personnel, and members of 500+ GEICO-partnered groups.
  • Vehicle safety and anti-theft feature discounts, including discounts for anti-lock brakes, airbags, daytime running lights, and certain new vehicle features.
  • Good student discounts, where students with a B+ average or higher qualify for discounted rates on car insurance.

Ultimately, whether you’re a new GEICO policyholder or you’ve been with the company for 20+ years, you could qualify for the perks above to save money.

GEICO Offers Membership & Affiliation Discounts

If you belong to one of the 500+ groups affiliated with GEICO, then you could save money.

It’s not technically a loyalty discount, but GEICO rewards you for belonging to a specific group—such as an alumni organization, professional organization, or other group.

Here’s how GEICO’s membership and affiliation discount program works:

  • GEICO partners with 500+ groups to provide discounted rates on car insurance and other perks.
  • Qualifying members get discounted rates on car insurance along with 24/7 roadside assistance, accident forgiveness, and other coverage.
  • GEICO also sponsors certain group events and programs, purchases advertisements in magazines and newsletters, and supports affiliated groups in other ways.

You can learn more about GEICO’s group affiliation discounts and how they work at

Final Word

GEICO, like most of its competitors, does not offer a formal loyalty program. However, loyal GEICO customers could still save money via bundling discounts, multi-vehicle discounts, safe driving discounts, and other perks.

Additionally, GEICO offers group affiliation discounts and other bonuses. Plus, loyal GEICO customers may be better able to receive customer service perks – like waived fees – as a reward for their loyalty.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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