In the world of car insurance, 2 companies are at the top, USAA and Amica. They are the top 2 rates by JD powers and Consumer reports. Statefarm, Progressive etc are all middle of the pack. Geico may be even lower than them I'm not sure. The problem is you have to be military/gov or family to use USAA and Amica is very strict, they will drop you if you have an accident. In terms of rates, many companies now look at your credit report to determine your rate, if you have good credit your rates can be very low. Progressive is one of these companies, not sure if Geico does that or not.