Geico Insurance

If you’re searching for GEICO insurance in Florida, you’re probably comparing pricing, wondering if the gecko’s ads match reality, or trying to figure out whether GEICO is even the right fit for how you drive and live. Florida’s insurance market is unusual — high uninsured motorist rates, hurricane exposure, and shifting carrier appetite make it worth getting a real comparison before you commit.

GEICO Insurance — History

GEICO stands for Government Employees Insurance Company. It was founded in 1936 by Leo Goodwin Sr. and Lillian Goodwin, originally designed to offer coverage to federal employees — similar in concept to how USAA serves military families. GEICO officially relocated its corporate headquarters to downtown Bethesda, Maryland in June 2026, after decades based in nearby Chevy Chase.

In 1951, Warren Buffett made his first GEICO stock purchase, and by 1996 he had acquired all outstanding stock, making GEICO a wholly owned subsidiary of Berkshire Hathaway, Inc. — a relationship that continues today and directly supports GEICO’s financial strength rating.

GEICO offered 24/7, 365-day phone service as far back as 1980 — well ahead of most of the industry at the time, and closer to today’s standard. Its advertising characters have also been around longer than many people realize: the GEICO gecko first appeared in 1999, and the Caveman debuted in 2004. (More info)

What GEICO Coverage Can Think Safe Insurance Write for You?

From our local office in Brandon, Think Safe Insurance is authorized to write the following GEICO products for clients in Valrico, Riverview, and throughout Florida:

• Personal Auto Insurance
• Commercial Auto Insurance
• Personal Umbrella Insurance
• Motorcycle Insurance

GEICO also advertises RV, boat, home, flood, and life insurance. For home insurance specifically, it’s worth knowing how that works: GEICO doesn’t underwrite homeowners policies itself — GEICO Insurance Agency brokers them out to third-party partner carriers (companies like Homesite, Stillwater, or American Modern, among others), and which carrier you’re assigned depends on your state and profile. Two Florida homeowners who both “went through GEICO” can end up with completely different underwriters, pricing, and claims experiences. Flood and life insurance through GEICO may work similarly through partner arrangements — ask us or GEICO directly to confirm current structure for those lines. When you work with Think Safe Insurance for home insurance, you know exactly which carrier is insuring your home from the start, and we can compare it directly against other Florida carriers.

Is GEICO Insurance the Best Option for Me?

GEICO is often very competitive on price, but price is only part of the decision. Before choosing any carrier, it’s worth asking:

• What type of coverage am I actually getting?
• How well are claims handled?
• What do current customers say about their experience?

GEICO’s direct-to-consumer model keeps costs down, but it also means less in-person support than some clients want. Working with an independent agent gives you a local point of contact for questions and coverage review, while still accessing GEICO’s pricing and financial strength.

Can I Get a GEICO Quote With Think Safe?

Yes. Think Safe Insurance is authorized to write personal auto, commercial auto, personal umbrella, and motorcycle insurance through GEICO. We’re an independent agency, so we don’t just hand you a GEICO quote — we compare it against our other Florida carriers so you can see where GEICO actually lands for your specific situation.

In about 15 minutes, we can gather your information and get quotes from multiple carriers, including GEICO, so you know you’re getting a genuinely competitive price — not just the first number you see. Call us at 813-425-1626 or request a quote online.

GEICO Insurance FAQ

Does Think Safe Insurance write GEICO policies?

Yes. Think Safe Insurance is authorized to write personal auto, commercial auto, personal umbrella, and motorcycle insurance through GEICO for Florida clients, and can compare GEICO with our other carriers when appropriate.

Is GEICO financially stable?

Yes. GEICO holds an A++ (Superior) Financial Strength Rating from AM Best, most recently affirmed April 16, 2026 — the highest rating tier AM Best assigns. GEICO also benefits from the financial backing of its parent company, Berkshire Hathaway.

Does GEICO offer homeowners insurance in Florida through Think Safe?

GEICO doesn’t underwrite homeowners insurance itself. It’s sold through GEICO Insurance Agency, which brokers your policy out to a third-party partner carrier — the specific company varies by state and can include names like Homesite, Stillwater, or American Modern. (GEICO’s flood and life insurance may work through similar partner arrangements — confirm current structure with GEICO or with us if that’s relevant to you.) Think Safe Insurance writes Florida homeowners insurance directly through carriers we’re appointed with, so you know exactly who’s insuring your home from day one, and we can compare that directly against a GEICO-brokered quote if you have one.

Is GEICO a good insurance company?

GEICO is well regarded for competitive pricing and a strong digital experience, backed by one of the highest financial strength ratings in the industry. Whether it’s the best fit for you specifically depends on your driving profile and coverage needs — we’ll show you where it lands against other carriers before you decide.

How do I file a claim with GEICO?

For auto, motorcycle, and RV claims, call GEICO directly at 1-800-841-3000 or file online at claims.geico.com. Having your policy number ready will help speed things along.

Reviewed by Greg Martin Licensed Florida Insurance Agent, License #P036341 Greg Martin has over 18 years of experience helping Brandon, Valrico, and greater Hillsborough County families navigate home, auto, and flood insurance in Florida. He is the owner of Think Safe Insurance. Read Greg’s full bio →

Last Reviewed: July 2026