Quoted GEICO and looking at alternatives? Here’s an honest comparison of what RMO MyAuto offers vs. GEICO — with a strong reminder that auto insurance pricing is heavily quote-dependent.
How RMO and GEICO compare on coverage approach, channels, and member benefits.
| Feature | RMO MyAuto | GEICO |
|---|---|---|
| Plan Tiers | MyAuto Basic, Plus, Premier, Elite | Liability, Standard, Custom builds |
| State-Required Liability | Yes — included in all tiers | Yes |
| Comprehensive & Collision | Optional in Plus; included from Premier | Optional add-on |
| Channel | Direct through RMO membership | Direct — phone, web, app, GEICO local agents |
| Quoting | Online quote through member portal | Fast online or phone quote — well-known direct channel |
| Telematics Discount | Discount opportunities at MyAuto Plus and up — varies by state | DriveEasy program — widely available |
| Multi-Policy Bundle | RMO bundles MyAuto with MyProperty, electronics, roadside, banking, more | GEICO Renters and Homeowners (sold via partners) for bundle discounts |
| Roadside Assistance | Available as RMO MyRoadside add-on | Emergency roadside add-on |
| Mobile App / Digital Tools | Member portal & app for policy & claims | GEICO Mobile app |
| Military / Federal Discounts | Member discount programs vary | Well-known military & federal employee discounts |
| State Availability | Varies — check current availability | All 50 US states + DC |
| Membership Required | Yes — RMO membership | No membership needed |
Coverage details summarized for comparison. Specific covered perils, limits, exclusions, deductibles, available endorsements, and pricing vary by state and individual quote.
Coverage limits and bundled options scale up across MyAuto tiers. Membership level required is shown for each plan.
Requires MyMembership I
Requires MyMembership I
Requires MyMembership II
Requires MyMembership III
Prices reflect current monthly rate cards and do not include the cost of RMO membership. Final premium depends on your state, vehicle, driving record, coverage limits, deductible, and other factors.
Both providers cover real ground. Here’s where each tends to win.
Join RMO to access MyAuto plus dozens of other member benefits.
Pick a MyAuto tier and request a quote based on your vehicles, drivers, coverage limits, and deductible.
Once your MyAuto policy is bound with an effective date, cancel GEICO for that date through the app, web, or phone. They typically issue a prorated refund.
Auto insurance pricing depends heavily on your state, driving record, age, credit (where allowed), vehicle, mileage, and coverage selections. The only way to know is to get a real quote from each provider with the same coverage limits and deductibles, then compare the actual numbers.
Auto insurance availability and pricing vary by state. Get a quote through RMO membership to see what’s available where you live. GEICO operates in all 50 US states, while RMO availability is more limited.
GEICO offers DriveEasy, a telematics-based program that may qualify drivers for discounts based on driving behavior. RMO MyAuto Plus mentions discount opportunities; specific telematics features and availability vary by state. Confirm during the quote process.
Yes — RMO members can bundle MyAuto with MyProperty for renters or homeowners coverage. Bundling discounts may be available depending on your state and product mix.
Drivers with clean records typically get better rates with most insurers. The relative savings between GEICO and MyAuto for a clean-record driver depend entirely on your state and vehicle — quote both to see.
Get a MyAuto quote, bind the new policy with an effective date, then cancel your GEICO policy on or after that date through the GEICO app, website, or phone. We recommend overlapping coverage for one day so you’re never uninsured. GEICO typically issues a prorated refund for the unused portion.
Join RMO and access MyAuto along with the rest of your member benefits.
