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 insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Mar 16, 2022

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Key Takeaways

  • The GEICO DriveEasy app is available for most smartphones
  • Drivers can save hundreds of dollars per year by tracking safe driving habits, but GEICO may penalize you for poor driving
  • DriveEasy runs dormant on your phone at all times

The GEICO DriveEasy app is one of the many driver-tracking programs available through a nationwide insurance provider. These technologies track driving practices to encourage safe driving and save money on annual GEICO car insurance rates. 

GEICO provides customers with personal driving data that they can use to adjust driving patterns. This guide will overview the GEICO DriveEasy app discount and how the app works.

If you want to learn other ways to save money on car insurance, it’s best to speak directly with a provider. Enter your ZIP code now to speak with a car insurance agent in your area. 

How does the GEICO DriveEasy app work?

GEICO DriveEasy is a program aimed at making people safe drivers. GEICO advertises that the app can help drivers save hundreds of dollars on car insurance. 

DriveEasy is available to all GEICO customers. All you have to do is download the app, enable the required settings on your phone, and you’re ready to go. DriveEasy constantly runs in the background on your smartphone, and the app does not limit your phone usage or restrict access to other apps. 

The app runs on telematics. This technology is commonly used in usage-based insurance policies but is also used to measure driving habits. According to the Insurance Information Institute, telematics devices relay information to your car insurance provider about when and how you drive your car. GEICO uses the technology to calculate a score based on your driving behaviors. 

Safe-driving behaviors boost your score, while reckless or risky habits lower your score. Your insurer may offer a discount at the end of your period based on your score. Though, you should be careful because your rates could increase following risky driving.

The app — using telematics and GPS — detects when your phone is traveling at high rates of speed or those higher than a normal human pace. It will notice when you’ve driven at least a quarter-mile at reasonable speeds, where it begins monitoring your driving behavior.

DriveEasy doesn’t need WiFi and generally requires up to 70 MB of cellular data per month to operate. GEICO claims that the app goes to sleep when you’re not driving.

It’s difficult to determine how to turn off GEICO DriveEasy without de-enrolling from the program. However, if your phone is off, on airplane mode, or isn’t collecting mobile data for another reason, the app is likely not recording your driving. 

GEICO agents are the experts on policy specifics and all policy-specific questions from customers. 

Before figuring out how to enroll in DriveEasy, learn about the habits GEICO monitors and if the app is right for you.

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What driving habits does GEICO DriveEasy monitor?

There are several habits that the app tracks when you’re driving. These factors include distracted driving, miles driven, hard braking, driving times, and speeding. 

Let’s break down these common risky behaviors:

  • Distracted driving. This feature measures if your phone is active while driving. However, drivers have reported issues with it. Some say that the app can’t determine if you’re a passenger or if a passenger is using your phone. Such confusion could dock points from your DriveEasy score.
  • Long distance driven. Your distance driven annually is a factor in your score. The more you’re on the road, the higher risk you have of getting in an accident. High mileage is also a sign of stress on your vehicle, which could mean you need more frequent repairs.
  • Hard braking. If DriveEasy senses frequent hard braking, your insurer could consider you a reckless driver. Hard braking is decelerating by around 7 mph a second.
  • Driving at dangerous times. GEICO considers late and dawn hours to be hazardous because of low visibility. These are also the average bar-closing times, meaning a higher chance of encountering a drunk driver. If you work nights, DriveEasy may dock your regular workday.
  • Speeding. While GEICO may not dock you for driving a couple of miles per hour higher than the speed limit, excessive speeds and regularly monitored speeding could lower your DriveEasy score.

While you’re driving, DriveEasy may also calculate road types and weather, and these factors may have a significant impact depending on where you live. If you live somewhere with high precipitation, DriveEasy marks down anytime you drive in inclement weather.

According to GEICO, some of these factors may impact your score more than others, and some not at all. Drivers can see scores and other driving components in the app.

What happens once I enroll?

First, drivers need to download the app and fill out the registration. The app will stay dormant until it detects driving.

All drivers on the policy must actively participate to receive the discount. There are several circumstances where GEICO maintains the right to remove the policy from the program and eliminate your discount. Possible scenarios include non-active policy members, invalid driver’s licenses, or double-dipping policy savings. 

To unenroll, contact GEICO at 800-841-3000. You should be aware that GEICO may apply that score to your policy if you unenroll from the program after receiving a driving score.

What states offer the DriveEasy program?

The GEICO DriveEasy program is available in Alabama, Arizona, Colorado, Connecticut, District of Columbia, Florida, Idaho, Illinois, Indiana, Iowa, Louisiana, Kentucky, Maryland, North Carolina, Nevada, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, and Wisconsin.

While DriveEasy discounts and availability vary by state, GEICO plans to expand the program soon. If GEICO isn’t available in your state, another company may offer a telematics program. Keep in mind that state auto insurance rates will vary based on your chosen company.

Is DriveEasy worth it?

GEICO DriveEasy is a way for drivers to monitor their risk to lower their annual rates, but it could be an easy way to raise rates. Without DriveEasy, average GEICO rates for six months are about $700 to $1,000 for full coverage. Drivers can expect to save anywhere between $200 and $600 per year with the app.

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GEICO DriveEasy: The Bottom Line 

Drivers must be honest about their driving to determine if any discount program is worth it. The app measures areas of your driving that need improvement. If you have new drivers on your policy or are looking to improve your driving, DriveEasy is a great tool to monitor your behaviors and reap some benefits along the way.

You may also want to switch to GEICO to save money on car insurance if you are a safe driver. If you don’t foresee any changes in your car insurance rates, the app could help you better understand your habits. Having a general idea of your behavior is also beneficial to stay aware of hazards on the road.

It’s best to speak with a local insurance provider about your needs before signing up for a policy. Enter your ZIP code to get connected today.