GEICO Auto Insurance
Explore GEICO car insurance coverage, discounts, optional protections, roadside assistance, rental reimbursement, claims information and ways to get an auto insurance quote.
GEICO Car Insurance at a Glance
A practical guide to GEICO’s auto insurance products and coverage options.
GEICO, short for Government Employees Insurance Company, is a major U.S. auto insurer that provides car insurance through its group of insurance companies. GEICO’s auto insurance offerings allow drivers to select coverage and limits based on their needs, vehicle and state requirements.
GEICO’s auto insurance options include liability protection, coverage for the insured vehicle, medical-related coverage, uninsured and underinsured motorist protection, and additional optional coverages.
The exact coverages, limits, pricing, discounts and eligibility requirements can vary by state and by the GEICO company issuing the policy. Drivers should review the terms of their individual policy before making coverage decisions.
Important: Auto Insurance Varies by State
State insurance laws and individual circumstances can affect the coverage you need, the limits available, discounts, premiums and optional protections offered. Always check the specific terms available in your state and policy.
GEICO Auto Insurance Coverage
Understanding the main types of protection can help you compare policies and choose appropriate limits.
Bodily Injury Liability
Helps pay for injuries or related expenses suffered by other people when you are legally responsible for a covered accident. Liability coverage may also provide protection for your legal defense, subject to the policy terms.
Property Damage Liability
Helps pay for damage to another person’s vehicle or property when you are responsible for a covered accident, subject to your policy limits.
Collision Coverage
Collision coverage can help pay for damage to your insured vehicle resulting from a covered collision, subject to the deductible and policy terms.
Comprehensive Coverage
Comprehensive coverage can protect against certain types of damage that are not caused by a collision, subject to the policy’s terms and deductible.
Medical Coverage
Depending on the state and policy, medical coverage may help pay for medical expenses resulting from an auto accident.
Uninsured & Underinsured Motorist
This protection may help when you are involved in an accident with a driver who has no insurance or insufficient insurance, subject to applicable state laws and policy terms.
There Is No Single “Full Coverage” Policy
GEICO explains that the term “full coverage” does not represent one specific insurance product. Drivers may use the term to describe different combinations of liability, comprehensive, collision and other coverages. The appropriate combination depends on state requirements, the vehicle, financial situation and individual needs.
GEICO Auto Insurance Discounts
GEICO offers several discount opportunities, with eligibility and savings varying by state and driver.
| Discount Category | Examples |
|---|---|
| Driving History | Clean driving record and safe-driving related discounts |
| DriveEasy | A program that can use driving behavior information to determine eligible savings |
| Driver Education | Defensive driving, driver training and eligible good-student discounts |
| Multiple Vehicles | Potential savings for insuring multiple vehicles under an eligible policy |
| Payment Options | Potential discounts related to options such as paying in full or Auto Pay |
| Vehicle Equipment | Certain vehicle safety and security equipment may qualify for discounts |
| Military / Affiliation | Certain eligible military, professional or organizational affiliations may qualify for savings |
Discount Eligibility Matters
GEICO states that discount availability and amounts can depend on the state, driver, vehicle, policy and other qualifying factors. Drivers should obtain a personalized quote to determine which discounts may apply.
Additional GEICO Auto Insurance Options
Depending on your state and policy, GEICO may offer additional protections designed for specific driving situations.
Rental Reimbursement
Rental Reimbursement can help pay for a rental vehicle while your insured car is being repaired after a covered claim. Coverage is subject to applicable daily and per-claim limits.
Emergency Roadside Service
Emergency Roadside Service can provide assistance for eligible situations such as towing, jump starts, flat tires and vehicle lockouts, subject to the policy’s coverage limits.
Claim Forgiveness
GEICO Claim Forgiveness may prevent an eligible first qualifying loss from causing a surcharge, where available and subject to eligibility and state-specific rules.
Mechanical Breakdown Insurance
Mechanical Breakdown Insurance may be available to eligible customers and can provide protection for certain mechanical repairs, subject to its specific terms and availability.
Uninsured Motorist Protection
This coverage can provide protection in eligible situations involving drivers who do not carry required insurance.
Underinsured Motorist Protection
This protection may help when the at-fault driver’s insurance is insufficient to cover eligible damages, subject to applicable rules.
GEICO Auto Insurance Claims
GEICO provides online resources for reporting and managing auto insurance claims.
Report the Claim
Start the claims process through GEICO’s claims services and provide the required information about the incident.
Damage Assessment
GEICO can arrange the appropriate claims process to evaluate vehicle damage and determine the next steps.
Repairs or Resolution
Depending on the claim, your vehicle may proceed through repairs or a total-loss evaluation.
Claim Payment
Any applicable payment or reimbursement depends on the policy, coverage limits, deductibles and circumstances of the claim.
Rental Reimbursement During a Claim
If Rental Reimbursement applies to your policy, GEICO states that it can help pay rental vehicle expenses while your vehicle is being repaired after a covered claim. Daily and per-claim limits apply, and the available rental period can vary depending on the circumstances.
GEICO Auto Insurance Features
Areas drivers may consider when evaluating an auto insurance policy.
Online Service
GEICO provides online tools for obtaining quotes, managing policies, making payments and accessing insurance information.
GEICO Mobile
GEICO provides mobile tools designed to help customers manage aspects of their auto insurance and access policy services.
Discount Opportunities
Eligible customers may qualify for discounts based on driving history, vehicle characteristics, payment choices, affiliations and other factors.
Explore GEICO Auto Insurance
Visit GEICO’s official website to explore current coverage options and obtain a personalized auto insurance quote.
Visit GEICO Auto InsuranceGEICO Auto Insurance FAQ
Answers to common questions about GEICO car insurance.
What types of auto insurance coverage does GEICO offer?
Does GEICO offer car insurance discounts?
Does GEICO offer roadside assistance?
Does GEICO offer rental reimbursement?
Can I get a GEICO auto insurance quote online?
Are GEICO auto insurance coverages the same in every state?
Official GEICO Resources
For current coverage details, eligibility, pricing and policy information, visit GEICO’s official resources.
GEICO is a registered trademark of Government Employees Insurance Company and its affiliated companies. Newest Cars Insurance is an independent informational website and is not affiliated with, sponsored by, or endorsed by GEICO.