Can the DriveEasy app save me money?

DriveEasy by GEICO uses telematics in its app to monitor driving behaviors like hard braking and distracted driving. Although drivers can save up to 25% using the DriveEasy app, GEICO can also raise your rates if you score poorly. DriveEasy is a good option for low-mileage drivers who only drive during the day and don’t play with their phones while driving.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 14, 2022

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Can't-Miss Facts

  • DriveEasy by GEICO uses an app to monitor certain driving behaviors like your mileage and distracted driving
  • The DriveEasy program by GEICO can save you money, but can also increase your rates if you drive poorly
  • Although it is pretty convenient to use, the DriveEasy app does not get great reviews

Many auto insurance companies offer a telematics program to help drivers save money and be safer on the road. DriveEasy is GEICO’s answer to reward drivers who have good driving behaviors.

While drivers can get up to a 25% discount for using the DriveEasy app, GEICO can also raise your rates if you score poorly. How much you save is entirely up to you.

Read our GEICO auto insurance review to learn more about coverage and ways to save.

Before you buy GEICO auto insurance with DriveEasy, shop around. Since most car insurance companies offer telematics now, compare multiple companies to see which one offers you the best deal.

Keep reading to find out if DriveEasy is a good fit for you. Before you begin, enter your ZIP code to compare free auto insurance quotes from companies in your area to find the cheapest coverage for you.

What is GEICO DriveEasy?

Telematics, or usage-based insurance programs, look at how you drive and alert you to bad behaviors. The DriveEasy app does the same thing.

The DriveEasy app from GEICO runs in the background on your smartphone and monitors certain driving behaviors. The better you score on those behaviors, the higher your discount when your policy renews.

While GEICO is widely available, DriveEasy is only offered in 27 states.

Although you can save up to 25% with DriveEasy, the discount is generally lower. How much you save depends on how you use your vehicle. You can also combine the DriveEasy discount with the 15% GEICO safe driver discount.

However, if you score poorly, your rates can go up. This is because GEICO wants to reward you for good driving, but bad driving shows you are a risky driver.

Auto insurance companies are all about risk. They look at several factors like your driving record to determine if you are likely to cost them money by causing an accident.

Check out this table to see just how much your driving record affects your auto insurance rates. It shows average annual rates from top companies, including GEICO.

Average Annual Auto Insurance Rates Based on Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25

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You can see that accidents, tickets, and DUIs will cause significantly higher auto insurance rates. DriveEasy will help you clean up your driving record by avoiding some of those risks.

Not only can telematics save you money, but they can also keep you safer. According to the Insurance Information Institute, telematics improves driver safety by giving immediate feedback. This feedback lets you see your dangerous driving in real-time and make corrections quickly.

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How does GEICO DriveEasy work?

Simply sign up for DriveEasy through GEICO customer service. Once you are enrolled, a link to download the DriveEasy app will be sent to you. The app will continually run in the background on your phone after logging in.

The app will track each drive and assign a score based on several driving behaviors it monitors. These specific behaviors can lead to more accidents, so DriveEasy scores you higher when you lower your accident risk.

The GEICO DriveEasy app monitors:

  • Mileage. Simply, the more you drive, the more likely you will be in an accident.
  • Road type. An easy road, such as an interstate, makes driving less complicated since turns and stops are limited.
  • Time of day. Late night or very early morning driving is riskier than driving during the day.
  • Weather. Rain, snow, fog, and ice decrease visibility, making driving riskier.
  • Hard braking. Braking hard or accelerating quickly can show aggressive driving or just a lack of attention. GEICO rewards smooth driving and cornering.
  • Distracted driving. GEICO considers distracted driving any active phone use or making handheld calls if you’re traveling more than six miles per hour.

DriveEasy also has a feature called Crash Assist. If DriveEasy detects a hard brake, it will ask if you have been in an accident. It can then help you begin the claims process.

Because DriveEasy is always running, some privacy and battery usage issues should be considered.

What are the GEICO DriveEasy app ratings?

The DriveEasy GEICO apps for iPhone and Google do not have excellent ratings. In fact, the DriveEasy app only scores a 2.8 out of 5 in the Apple App Store and a 3.4 out of 5 in the Google Play Store.

Many of the bad reviews about the DriveEasy app involve log in issues and the app not allowing a navigation app to run smoothly.

There are also driver complaints that the app does not track your driving accurately, or let you change from a driver to a passenger in some cases.

For example, if you drive but have your passenger use your phone to make a call or change navigation, you will be dinged for distracted driving.

What are other ways GEICO drivers can save?

Drivers can also take advantage of other car insurance discounts, such as the GEICO good driver discount, to significantly lower rates. Bundle eligible discounts with your DriveEasy discount for the most savings.

This table shows common GEICO auto insurance discounts. The amount of the discount is listed if it is available.

GEICO Auto Insurance Discounts
Auto Insurance DiscountsGEICO (%)
Anti-lock Brakes5
Anti-Theft25
Claim Free26
Continuous Coveragex
Daytime Running Lights1
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Emergency Deployment25
Family Legacyx
Farm Vehiclex
Federal Employee8
Full Paymentx
Further Educationx
Good Student15
Homeownerx
Low Mileagex
Loyaltyx
Membership/Groupx
Military15
Multiple Policies10
Multiple Vehicles25
Newer Vehiclex
Occupationx
Passive Restraint40
Safe Driver15
Seat Belt Use15
Students & Alumnix
Utility Vehiclex
Vehicle Recovery15

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DriveEasy can also help you take advantage of discounts like the claims-free discount, safe driver discount, and low mileage discount.

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Is GEICO DriveEasy worth it?

GEICO DriveEasy can save you money if you are a safe driver. However, if you are not sure about your driving behaviors, you can wind up with higher rates.

The DriveEasy program is good for low mileage drivers who do not play with their phones while driving and do not drive late at night. DriveEasy can also be a good way for drivers to improve their safe driving skills like hard braking since the app gives them immediate feedback.

Remember: how much you save with the DriveEasy app is up to you. Drivers who monitor their scores and make driving adjustments will save the most.

However, the DriveEasy app leaves a lot to be desired. It has low ratings in both the Apple App Store and the Google Play Store. It also runs continually on your phone, leading to privacy and battery life concerns.

We hope you have learned all you need to know about the DriveEasy App and if it is right for you. Before you go, enter your ZIP code to compare free quotes from auto insurance companies in your area.

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