Geico car insurance for a 19 year old college student $125 a month

You'll need to supply some information on what coverage you have as well. This wildly changes the amount of money you'd be paying.

Well the one I am paying for right now is just the most basic one and like I said I am only paying $90 every three months because it is under my fathers name.
Edit add- The one in Geico would also be the most basic one.

Details like personal injury amounts, deductible, etc. "the most basic one" doesn't mean much, as minimums can also vary from state to state.

It has bodily injury liability from $30 to $60k and property damage liability of $25k. Doesn't have a deductible because it won't cover the damages to my car.

These are pretty low coverage amounts IMO. My honest answer is that I suspect the price you are paying is almost entirely based upon the fact that you are a male and under 25 years old. When I turned 25 my insurance reduced by about 33%. When I got married and added another vehicle to the policy, it went down again (note I said that I added a second vehicle and it still went down because I added a female driver).
Fact is that whether it is fair or not, guys pay a ton more for insurance. $125 a month doesn't sound horrid, honestly. But I would have expected higher limits than what you are posting. Perhaps you should shop around a bit, but I doubt things will get much lower.

$125/month seems terrible to me. As a 23-year old male I was paying $70/month for full coverage on a 2 year old Fusion worth $17k. May have been cheaper than in a big city considering I live in ND but that is a pretty big difference versus liability only on a 9 year old hatchback.

I'm a 24 year old male and pay $155 a month for full coverage on a 2007 Toyota Corolla. My insurance went up almost $50 a month when I moved from a suburb into the city. Location is HUGE when it comes to insurance.

Shop around different carriers. Location DOES play a huge factor - keep in mind though that different companies rate risk differently. When I moved from CA to Texas my car insurance went up 300% with the same carrier. I switched and it dropped to below what I was paying in CA.
I can't stress it enough - every consumer who is price concious with insurance should shop around REGULARLY. There are no fees to cancelling your insurance and switching to another carrier (unless you have some scammy/predatory insurance carrier - but that's more reason to switch!). You might think you're losing a "tenure discount" or something like that but chances are that is not very much.
I'm not saying this applies to you but it is great information for the general public - SHOP AROUND OFTEN.

That's actually exactly what I did. When I moved my insurance actually jumped almost $100. I shopped around and was able to get it down about $50 from it's peak. A year later, I messed with it a little more and got it down some more.
Probably another 6 months and I'll be shopping again.

Awesome. Obviously at some point you reach the bare minimum that you can pay. Always good to keep the insurance companies on their toes :)

I do think it's terrible, but if he is getting the same from a lot of places then it seems like it's pretty normal for him. It all depends though. A lot of factors besides car value and location go into your premium. Credit history, driving record (although OP's seems good), location, car type, insurance history, etc.

That's insane. I drive a 93 Toyota pickup and liability only insurance is $50 a month for me (California).

That's because a 93 Toyota is worth a buck fifty.

He gets full coverage for $20 more than I get the lowest coverage, far cheaper than I could get; that was the point.

It's not a valid comparison. In North Dakota, his only risks are hitting livestock or ditches.

I would also make sure that OP's credit is in decent standing. Insurance can double on a bad score.

Any accidents or speeding tickets? Any road related arrests/tickets?

To put it in perspective, there was someone else on this board a few weeks ago that I replied to - he was a little older than you IIRC - and he was paying 450 a month for not much insurance. This amount sounded ASTRONOMICAL to me, and he had no negative marks on his record. He shopped around and I think got it down by half, which STILL seems astronomical.

Rates vary greatly, state by state, company by company, zip code by zip code (and a ton of other factors surrounding you and the risk). Shop around regularly and compare rates. If you have a current policy with GEICO and you see that progressive can offer you something for $10 a month less, that's $120 a year less! Switch IMMEDIATELY (though make sure that you have no gap in coverage, for example, make sure your new insurance takes effect today and your old insurance expires today).

If you are concerned about price, only shop the big carriers and avoid agents. Use the direct to consumer portals on their websites. Sure, an agent might have knowledge of how to lower your rate or might know what company will have a cheaper rate for your risk profile, but keep in mind they're making a commission and they have incentive to sell you things you might not need. The big carriers will have the best prices and most competitive rates.

Be sure to shop around with other insurance companies, both national and regional/local. Sometimes one insurance company will charge significantly more than others (or one offers a significant discount compared to others), and since their actuarial practices are business secrets you won't know who is best until you get quotes. Comparisons of similar levels of coverage from multiple providers will help you baseline what your rates should be. I have seen quotes for my vehicles vary by $500/year between different companies.

I honestly expected my insurance to be that high, but I have Geico and I have this. Your payments seem high considering how much coverage I have.
100k/300k bodily injury
100k property damage
5k personal injury protection
100k/300k uninsured motorist bodily injury
25k/$250 deductible uninsured motorist property damage
$250 deductible comprehensive
$500 deductible collision
full emergency roadside service
no rental reimbursement (dealership covers this)
no mechanical breakdown (dealership gave me this when I bought my car)
$67/month, monthly payment terms.
22 year old male (got policy when I was 21)
no accidents
2012 Honda Civic leased brand new

When I was your age my insurance cost more than my car, at over $350 a month. There are so many factors that they take into account but as a male, and 19, you are in the highest demographic for wrecks/damages.
Do yourself a favor and raise your coverage. It will only cost an additional $10-$15 a month but is well worth it. The last thing you need is someone coming after you because your $30k in coverage doesn't cover their Benz and now you are liable for the difference.
When I was 17 my insurance was $350 per month. (ouch!) When I turned 21 it went down to about $200/mo When I turned 25 it went to $120/mo Got married - then $75/mo for 2 cars and 2 drivers Now I pay $50/mo for 300k in coverage for 2 new cars. Age, credit, and a good driving history make all the difference in the world!

Auto insurance greatly varies by state. Do you have any accidents or tickets?
At your age you are going to get screwed on insurance since you are still considered a new(er) driver. I was paying almost $3,000 a year for full coverage on my cars until I hit 21, it dropped a much more when I hit 25. It sounds like you were on your dads insurance which would explain the lower premium. (were you driving a car in his name?)
You can call and shop around with other companies (progressive, Allstate and Nationwide are ones that come to mind that tend to be cheaper for younger drivers). To give you an idea i'm paying $900 a year to insure a 2006 honda accord in Rhode Island with a clean record (no accidents or tickets) but, I've looked around recently and the cheapest I could find was around $1500. so I've been renewing my policy with this company every year.