GEICO DriveEasy: How Much Do You Save? (2021)

The GEICO DriveEasy car insurance discount can be up to 25%. The GEICO DriveEasy car insurance app tracks and reports your driving habits like speed, distracted driving, and time of day you drive. It is free to participate; however, your car insurance rates may increase if you exhibit bad driving habits.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 2, 2021

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Things to Know

  • GEICO DriveEasy offers up to a 25% discount based on your driving habits
  • However, if you have poor driving skills your car insurance rate can go up
  • DriveEasy only uses an app, so there’s no device needed

Your GEICO DriveEasy car insurance discount is calculated based on your safe driving habits. Although the program is free, your GEICO DriveEasy car insurance rates can actually increase if you drive poorly.

GEICO DriveEasy car insurance is one of many usage-based insurance (UBI) options available, so before you buy car insurance, enter your ZIP code into our FREE tool now to compare quotes from multiple companies near you.

What is GEICO DriveEasy and how does it work?

GEICO DriveEasy uses an app that tracks your driving habits. The program is very simple to use. Just download the app, create your GEICO DriveEasy login, and forget it. The program will continue to run in the background and track various factors.

The driving habits that DriveEasy tracks are:

  • Distance driven
  • Distracted driving
  • Time of day of the drive
  • Hard braking
  • Speed

You can’t get GEICO DriveEasy car insurance quotes because rates vary based on your driving. Your discount is calculated based on how well you do in these categories, and you can get a significantly lower rate than your original GEICO quote.

However, there are some factors that the app doesn’t take into account. For example, if someone pulls out in front of you and you brake hard, there is no way to note that.

The same is true for distracted driving. There is no way for the app to know if you are texting and driving or if your passenger is sending a text for you.

The GEICO DriveEasy car insurance app runs continually in the background on your phone, which can lead to a dead battery or overages on your data plan if you aren’t careful.

Also, keep in mind that GEICO usage-based car insurance app stores your data, and GEICO can use it for different purposes.

You can contact GEICO customer service if you are having a problem with the app or it is recording incorrect data.

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Is GEICO DriveEasy worth it?

Just like with every telematics program, there are pros and cons when it comes to DriveEasy.

Pros for using DriveEasy include:

  • The program is free and easy to use
  • If you drive safely, you will save money on your car insurance
  • You will pay more attention to your driving and improve any poor habits you might have picked up

One of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly, according to the Insurance Information Institute.

Cons of using DriveEasy are:

  • The GEICO DriveEasy app does use your data, so you need a good data plan
  • If you have poor driving habits, GEICO can actually raise your rates
  • There is no way to differentiate between you using your phone while driving and a passenger using it
  • DriveEasy isn’t available in every state and discounts will vary by state
  • Your data is tracked which can compromise your privacy

You are permitting the recording of your trips, and some drivers may wish to protect their GEICO DriveEasy app privacy. However, data collected by the app from an accident can be taken to a car insurance lawyer for evidence.

Although this is a helpful program for drivers with good habits and who don’t drive during peak times, DriveEasy can actually make your GEICO insurance increase.

If DriveEasy isn’t for you, you may want to know how to cancel GEICO DriveEasy. If this is the case, contact GEICO directly.

Since GEICO DriveEasy car insurance rates will differ depending on the results of the program, they can be hard to estimate.

Now that you’ve finished learning more about GEICO DriveEasy, find the best car insurance rates now by entering your ZIP code into our free tool below.

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