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GEICO review: Geico refuses to honor quoted rate, raises my premium 26% in six months

M
Author of the review
9:06 am EDT
Featured review
This review was chosen algorithmically as the most valued customer feedback.

Complaint:
On September 26, 2025, a GEICO representative quoted me $2,048.78 for my auto insurance renewal with $500,000/$500,000 liability limits, plus a $60 driving class discount once all drivers completed the course. This is the quote I expect GEICO to honor.

Instead:

GEICO has refused to honor that quote, leaving my policy at lower liability limits.

My premium has been raised 26% over the last six months, without explanation, even though no such increase was approved in New Jersey.

Calls and emails to GEICO’s executives, including CEO Todd Combs, have gone unanswered (last unanswered email: 10/1/25).

When I called again on October 1, 2025, I was told underwriting “rejected” restoring my prior liability limits — limits I previously carried with GEICO. There was no reasonable basis for denial.

Incorrect limits now inflate my umbrella coverage, adding further costs.

I have documented all calls and emails. I also asked GEICO to review the September 26 call recording to confirm the quoted rate.

Despite being directed by GEICO’s social media team to “chat online” for help, and speaking with a polite representative who acknowledged my issue, no one ever followed up.

My Demands:

Honor the $2,048.78 renewal quote plus the $60 discount after course completion.

Restore my $500,000/$500,000 bodily injury liability limits and correct my umbrella coverage.

Provide a written explanation for the 26% premium increase in New Jersey.

As both a long-term GEICO customer and a Berkshire Hathaway shareholder, I believe Warren Buffett would not be pleased to see GEICO treating policyholders this way.

I have also notified the New Jersey Department of Banking & Insurance (DOBI) and have shared my story with local and national media already covering GEICO’s steep rate hikes.

This situation demands immediate resolution before my policy renewal on October 20, 2025.

Recommendation: Don't trust your car insurance quote until you have it in writing

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