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GEICO (Berkshire Hathaway) — HonestPolicy Grade

Overall: A (score 68.6/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all GEICO (Berkshire Hathaway) underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Roster seat is the Berkshire Hathaway group (NAIC group 31); the grade covers its personal-auto writers (the GEICO companies plus National Liability & Fire in NY), not Berkshire's commercial/specialty companies, which write no personal auto in the covered sources.

Automobile: A score 68.6/100 · composite relative index 0.46 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile20251671,330,8082,48015,044,7980.76[tx]0.3
TX Automobile2024631,168,3381,59414,898,9760.50[tx]0.12
CA Automobile2025683,681,8331,78628,998,8650.30[ca_auto]0.2
CA Automobile2024723,681,8331,38828,998,8650.41[ca_auto]0.12
CA Automobile2023493,681,83385728,998,8650.45[ca_auto]0.08
NY Automobile202453$5,297.4M629$18,428M0.29[ny]0.12
NY Automobile202348$4,670.0M445$16,202M0.37[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025GOVERNMENT EMPLOYEES INSURANCE COMPANY (NAIC 22063)871,2270.68 (TDI index)
TX · 2025GEICO INDEMNITY COMPANY (NAIC 22055)169,2690.09 (TDI index)
TX · 2025GEICO GENERAL INSURANCE COMPANY (NAIC 35882) (tiny book — below the credibility floor on its own)17,0070.87 (TDI index)
TX · 2025GEICO TEXAS COUNTY MUTUAL INSURANCE COMPANY (NAIC 27863)84855,0540.6 (TDI index)
TX · 2025GEICO COUNTY MUTUAL INSURANCE COMPANY (NAIC 29181)69308,4491.36 (TDI index)
TX · 2025GEICO SECURE INSURANCE COMPANY (NAIC 14137) (tiny book — below the credibility floor on its own)396118.95 (TDI index)
TX · 2025GEICO ADVANTAGE INSURANCE COMPANY (NAIC 14138)114,5700.42 (TDI index)
TX · 2025GEICO CHOICE INSURANCE COMPANY (NAIC 14139) (tiny book — below the credibility floor on its own)04,2710.0 (TDI index)
TX · 2024GOVERNMENT EMPLOYEES INSURANCE COMPANY (NAIC 22063)582,5180.57 (TDI index)
TX · 2024GEICO INDEMNITY COMPANY (NAIC 22055)078,3650.0 (TDI index)
TX · 2024GEICO GENERAL INSURANCE COMPANY (NAIC 35882) (tiny book — below the credibility floor on its own)07,7160.0 (TDI index)
TX · 2024GEICO TEXAS COUNTY MUTUAL INSURANCE COMPANY (NAIC 27863)27583,7270.43 (TDI index)
TX · 2024GEICO COUNTY MUTUAL INSURANCE COMPANY (NAIC 29181)26390,5830.62 (TDI index)
TX · 2024GEICO SECURE INSURANCE COMPANY (NAIC 14137) (tiny book — below the credibility floor on its own)31,22023.0 (TDI index)
TX · 2024GEICO ADVANTAGE INSURANCE COMPANY (NAIC 14138)118,5950.5 (TDI index)
TX · 2024GEICO CHOICE INSURANCE COMPANY (NAIC 14139) (tiny book — below the credibility floor on its own)15,6141.67 (TDI index)
CA · 2025/2024/2023GEICO INDEMNITY COMPANY (CDI rank 2)23 (3yr)167,4982025: 0.0, 2024: 4.6, 2023: 2.7 (per 100k)
CA · 2025/2024/2023GEICO GENERAL INSURANCE COMPANY (CDI rank 16)166 (3yr)3,456,9912025: 2.0, 2024: 2.0, 2023: 1.4 (per 100k)
CA · 2025/2024/2023GEICO PROTECTION INSURANCE COMPANY (CDI rank 4)0 (3yr)57,3442025: 0.0, 2024: 0.0, 2023: 0.0 (per 100k)
NY · 2024Government Employees Insurance Company (NAIC 22063)7 (upheld, of 139 total)$859.9M (premiums)0.008140362 (DFS ratio, rank 51)
NY · 2024GEICO Indemnity Company (NAIC 22055)17 (upheld, of 262 total)$1187.1M (premiums)0.014320561 (DFS ratio, rank 56)
NY · 2024GEICO General Insurance Company (NAIC 35882)24 (upheld, of 458 total)$3249.6M (premiums)0.007385591 (DFS ratio, rank 49)
NY · 2024National Liability & Fire Insurance Company (NAIC 20052) (tiny book — below the credibility floor on its own)5 (upheld, of 5 total)$0.8M (premiums)5.924261867 (DFS ratio, rank 127)
NY · 2023Government Employees Insurance Company (NAIC 22063)8 (upheld, of 117 total)$770.1M (premiums)0.010387845 (DFS ratio, rank 57)
NY · 2023GEICO Indemnity Company (NAIC 22055)11 (upheld, of 212 total)$1057.8M (premiums)0.010398539 (DFS ratio, rank 58)
NY · 2023GEICO General Insurance Company (NAIC 35882)28 (upheld, of 422 total)$2841.1M (premiums)0.009855477 (DFS ratio, rank 56)
NY · 2023National Liability & Fire Insurance Company (NAIC 20052) (tiny book — below the credibility floor on its own)1 (upheld, of 2 total)$0.9M (premiums)1.07738768 (DFS ratio, rank 122)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).