GEICO rating: 3.1 out of 5 stars Best for: Discounts GEICO offers a good range of coverage types, but lacks options like new car replacement and a diminishing deductible program. The company does receive a fair amount of negative commentary on review sites and scores below average on some J.D. Power satisfaction surveys, but it maintains a lower-than-average complaint rating with the National Association of Insurance Commissioners (NAIC). GEICO has a top-rated mobile app and maintains high credit ratings, ...