Geico DriveEasy App Review (2024 Ratings)

Usage-based insurance and telematics-driven insurance programs are increasingly popular among drivers who want more control over their insurance costs. The Geico DriveEasy app plays a significant role in this trend, offering a behavior-based, pay-as-you-drive approach to car insurance.

How Geico DriveEasy Program Works

As you can see in this Geico DriveEasy program review, the system monitors your activity on the road in a variety of circumstances. This is a usage-based insurance program where, once enrolled, you will receive a safe driving score based on your performance in each situation. This score will be higher if your driving habits meet certain criteria.

How Insurers Determine DriveEasy Score

Leave your phone alone. Even though the DriveEasy system uses your phone, the algorithm doesn’t want you to use your phone while driving. The app will run in the background, so avoid tapping or picking up your phone while driving to keep your score up. Note that other passengers using your phone while you are driving will count as active phone use as well.

Don’t slam on the brakes. This seems obvious, and if someone cuts you off or stops short in front of you there may be nothing you can do. Still, paying attention to your surroundings and fellow drivers can limit the need to brake hard, and Geico likes that.

General control and uniform speeds are desirable and considered safe. When cornering, slow down first so you are not racing through the turn. Don’t hit the gas hard after a stop and try to maintain a consistent speed throughout your trip.

Pay attention to the weather and avoid driving in dangerous conditions. This applies to the time of day as well. Driving in low light or late at night is considered riskier than daytime driving, and your score will reflect that.

What Happens After Each Trip

Each time you drive, your score will be updated, and you will be able to see the details in the Geico Mobile app. The specific habits you exhibited will be included in your score. Geico will track and store this information, so if you’re squeamish about your data being sold, keep that in mind. Geico will then use that information to determine your insurance rates, as well as to further establish safe driving criteria.

A benefit of this program is that each time you drive you can review your performance. You may find that the instant feedback enables you to get a better grasp on just how safely you are driving. We can all get distracted too easily or use our phones too often while driving. Knowing just how much we are engaged in these risky behaviors might just help make the roads safer for all of us.

Read More: Driving Tips for Road Safety

How to Enroll in DriveEasy With the Geico App

Originally, Geico offered a dedicated app for the DriveEasy program. This has recently changed. The Geico DriveEasy app is now integrated into the Geico mobile app itself. When you download the Geico app, you will be asked a series of questions to determine your interest in enrolling in the DriveEasy program. You can now decide whether or not you wish to participate in the program.

If at a later date, you wish to take part in Geico DriveEasy, you have a few options. You can call Geico customer service or your agent directly. You can chat with an assistant online, or you can email customer service via Geico’s website. In these cases, you will receive an invitation to enroll. Once accepted, you will follow the same procedure as a first-time user of the mobile app.

There are some advantages to participating in DriveEasy. Perhaps the most alluring is the possibility of lowering your car insurance rates.

The Geico DriveEasy App Discount

At the end of the day, saving money on car insurance is a goal many of us share. If you would like to get a discount on your Geico auto insurance rates based on your habits, then Geico DriveEasy may be right for you. The Geico Mobile app integrates the data it receives from your drives into the insurance rates you receive. Safe drivers receive lower car insurance rates. Riskier drivers get higher rate offers. It’s as simple as that, sort of.

You will want to pay attention to the specific driving habits of Geico DriveEasy tracks, and how they are rated. In particular notice those aspects outside of your control, like someone else using your phone or a car abruptly stopping in front of you. Each case is unique, so you will need to maintain close monitoring of your score and its effects on your insurance rates.

There are other situations in which the Geico DriveEasy program may not be a good fit. If your car is frequently driven by other people, their habits could negatively impact your score. Driving in heavy stop-and-go traffic in the early morning hours is difficult to manage safely on the best of days. This type of driving condition does not score well in the DriveEasy app.

In addition, Geico requires everyone on your policy to be active, so if any family member wishes not to participate, you will not be eligible. You may decide the Geico DriveEasy app discount isn’t worth your data being tracked, or you might even see your rates raised because your score isn’t high enough. If any of these scenarios sound familiar, you may want to opt out of the program.

Read More:

• Geico Safe Driver Discount: How Much Can You Save?
• How Your Credit Score Affects Your Car Insurance Premiums
• High Risk Drivers

How to Turn Off Geico DriveEasy

Once you have activated DriveEasy, there is no way to directly stop the app from monitoring your driving. You will need to contact Geico directly to unenroll. Visit the FAQ page from the DriveEasy app’s home on your phone, and you will see instructions to call Geico at 800-841-3000. You can find this number online as well.

An agent will guide you through the unsubscribe process over the phone. You may wonder “What happens if I turn off Geico DriveEasy?” If you have been active with the DriveEasy program long enough to establish a score, that data will not be erased.

Geico will continue to use that information to determine what coverage and rate amounts are offered to you. Keep this in mind before you call to unenroll.

A Final Word on the Geico DriveEasy App

Whenever you compare auto insurance, you have a big decision to make. Often the biggest factor in that decision is affordability. Many drivers like the idea of having some measure of control over just how affordable those auto insurance rates are. If that sounds good to you, then the Geico DriveEasy program may be just what you’re looking for.

Keep in mind the system won’t work for every driver, so be sure you know what you are getting into before you enroll. It is free to sign up for DriveEasy, but it may cost you higher rates down the line. Before you decide, have a look at all your car insurance types. For a great way to start comparing auto insurance rates, enter your ZIP code below.