Find the insurance policy that fits your life and your budget. GEICO lets you build a policy with required coverage like bodily injury and property damage, plus options such as collision, comprehensive, and uninsured motorist protection.
You can start a car insurance quote online, in the GEICO Mobile app, or by phone, and often get covered in minutes after payment. The app adds simple tools: 1-tap bill pay, digital ID cards, policy changes, and claims filing with a virtual assistant.
Choose limits above state minimums to protect your assets and cut out-of-pocket costs after an accident. Optional protections like roadside service, rental reimbursement, and mechanical breakdown coverage help tailor the coverage mix for your vehicle.
GEICO reports average annual savings of $900+ for new policyholders and supports drivers across all 50 states and D.C. With Auto Repair Xpress and guaranteed repairs at participating shops, you get a streamlined service and a focus on customer satisfaction.
Key Takeaways
- You can customize a policy with required and optional coverages to match your needs.
- Start a fast car insurance quote online, in the app, or by phone and get covered quickly.
- The GEICO Mobile app simplifies payments, ID cards, policy edits, and claims.
- Optional protections and higher limits help reduce out-of-pocket expenses after a crash.
- GEICO reports notable savings for new policyholders and offers nationwide support.
Why GEICO for Complete Auto Protection Today
GEICO pairs decades of experience with digital tools to give you practical, affordable auto protection today.
You get national reach backed by more than 85 years in the insurance industry. GEICO serves all 50 states and Washington, D.C., so your coverage moves with you when life changes.
New policyholders reported average savings of $900+ (June 2024–May 2025), reflecting many available discounts and ways to lower your premium.
- Fast quoting and easy setup so you can bind a policy quickly when time matters.
- Clear options for required and optional coverage, from liability to roadside help.
- Manage your account online, in the top-rated mobile app, or by contacting an agent at 1-800-207-7847.
- Focused service and consistent standards that aim to boost customer satisfaction across quoting, billing, and claims.
When you compare companies, look for the right mix of price, coverage, and support. GEICO offers a balance of value, convenience, and flexibility backed by long experience and nationwide availability.
Coverage Options Built Around Your Needs
Begin with state-required protections, then layer vehicle and optional coverages to match your life. Start with liability and medical coverages so you meet state laws and protect your finances after an accident.
Required coverages: liability, uninsured motorist, and PIP/MedPay
Required coverages often include bodily injury and property damage liability, uninsured motorist protection, and either Personal Injury Protection (PIP) or MedPay. These coverages help pay for injuries and damage when state rules require them.
Vehicle-specific coverages: collision and comprehensive
Add collision to cover repair costs after a crash, regardless of fault. Comprehensive handles non-collision losses like theft, vandalism, fire, or weather damage. If you lease or finance your vehicle, your lender may require both.
Optional add-ons for extra protection
Choose Emergency Roadside Service, rental reimbursement, or Mechanical Breakdown Insurance for newer cars. The GEICO Insurance Agency also offers specialty policies for classic or collectible vehicles.
- Raise liability limits above minimums to better protect your assets.
- Balance deductibles and limits to control premiums without sacrificing protection.
- Review your coverage annually or after major life changes to keep the policy aligned with your needs.
Ways to Save: Discounts, Bundles, and Safe-Driving Rewards
Little changes—like paying in full or combining policies—add up to meaningful savings on your policy.
Bundle and save with home, renters, motorcycle, boat, or RV
Combine your auto with home or other vehicle coverage to lower your premium. Bundling simplifies bills and often unlocks multi-policy discounts.
DriveEasy usage-based program and safe driver savings
DriveEasy is optional and tracks driving behavior to reward safe habits. Availability varies by state, so check whether it applies where you live.
Popular discounts: good student, federal/military, multi-vehicle, paid-in-full
GEICO offers typical discounts for good students, federal employees, and owners of multiple vehicles. Paying in full can also reduce your cost.
“Stacking eligible discounts and using usage-based programs can cut your annual auto costs without reducing coverage.”
| Discount Type | Typical Impact | Applies To | Notes |
|---|---|---|---|
| Multi-vehicle | Up to ~25% | Two or more vehicles | Combine renewals for best effect |
| Anti-theft / Restraint | Up to ~23% | Comprehensive / MedPay | Requires approved devices or intact restraint systems |
| Good student / Federal | ~12–15% | Students / Government employees | Proof of status may be required |
| Paid-in-full | Varies | Full annual payment | Ask about early-shopper savings |
Ask for a personalized discount review during your car insurance quote to ensure you’re using every option you qualify for. Revisit discounts each year as your life and vehicle change.
Fast Claims and Repairs Designed for Your Peace of Mind
When an accident happens, fast, clear claims handling makes all the difference in your recovery.
Report an auto claim anytime online, in the GEICO Mobile app, or by phone. You can start a claim quickly and then track status in the app or through a representative.
Report and track claims online, in the app, or by phone
File and monitor claims the way you prefer. The app stores digital ID cards and lets you upload photos to speed review.
Auto Repair Xpress with guaranteed repairs for as long as you own your vehicle
Auto Repair Xpress simplifies repairs at participating shops and provides guaranteed workmanship for as long as you own the vehicle.
- File and track claims online, in the app, or by phone for quick support.
- Use Auto Repair Xpress for streamlined repairs and guaranteed work at partner shops.
- Get rental reimbursement to stay mobile while your car is in the shop.
- Add emergency roadside assistance for jump starts, tire changes, fuel delivery, lockouts, and towing to the nearest repair facility.
- Receive clear updates and coordinate deductibles, limits, and repair options up front.
- Keep photos and documents in the app to help speed settlement and reduce stress on the road.
Talk with representatives any time to review your policy, coverage choices, and the claims process. Clear communication helps you focus on getting back on the road with confidence.
GEICO Mobile App: Manage Your Policy Anywhere
Manage your auto coverage from anywhere with an app that puts policy tools in your pocket. The geico mobile app centralizes billing, ID cards, claims, and quick help so you can handle tasks on the go.
Pay a bill with one tap, view digital ID cards instantly, and start a claim in minutes. You can request roadside assistance in the app and share location for faster dispatch. The virtual assistant answers common questions so you get information without waiting on hold.
What you can do in the app
- One-tap bill pay and autopay management to avoid missed payments.
- Make policy changes anytime — update drivers, vehicles, or coverages.
- Upload photos for claims and track progress with push notifications.
- Start a car insurance quote on your phone and continue across devices.
| Feature | Benefit | When to Use |
|---|---|---|
| Digital ID cards | Instant proof of coverage | Traffic stops, rentals |
| 1-tap bill pay | Fast payments, fewer lapses | Due dates, renewals |
| Roadside & claims | Faster dispatch and estimates | Breakdowns, accidents |
Availability and Rates Context Across the United States
Availability across the country means you can get a consistent auto insurance experience no matter where you live.
GEICO writes private passenger coverage in all 50 states and Washington, D.C., so your policy moves with you when life changes.
How state averages and local factors affect your rate
Nationwide, a full coverage premium averages about $1,731 annually. Typical state examples: Florida ~$2,508, California ~$1,469, Texas ~$1,881, New York ~$2,012.
Rates differ because of local laws, claim trends, repair costs, and risk levels. Use these averages as context, not a promise of your price.
Personal factors that drive your premium
- Age and driving history
- Vehicle type, mileage, and safety features
- Credit (where allowed) and selected limits/deductibles
- Available discounts and programs like DriveEasy
| Item | Example / Effect | Tip |
|---|---|---|
| State average | Florida $2,508; CA $1,469 | Compare same limits for apples-to-apples quotes |
| Personal factors | Age, record, vehicle | Re-quote after life changes |
| Payment options | Annual or installments | Use plans to smooth budgeting |
Get a car insurance quote with identical coverage specs across companies to compare true cost and value.
Coverage for Your Life: Teens, Seniors, Military, EVs, and Classic Cars
Tailor coverage to life stages—teens, retirees, service members, and specialty vehicles each need a different approach. Start by thinking about who drives, how often, and what you drive. Small changes to limits or deductibles can make a big difference to your cost and protection.
New and teen drivers: guidance, discounts, and protection
Add a teen driver carefully: set sensible liability limits and consider higher deductibles to balance premiums. Explore good student and driver’s education discounts to offset higher costs for new drivers.
Also review roadside and rental reimbursement so a teen stays safe and mobile after a covered loss.
Military and senior drivers: tailored options and savings
If you or a family member serves, ask an agent about exclusive military discounts and tailored options for deployment or relocation. Seniors can often save with defensive driving course discounts and adjusted coverages that match lower mileage.
Electric, hybrid, and classic vehicles via GEICO Insurance Agency
For EVs and hybrids, pick coverages that account for battery systems and specialized repairs. For classic or collector cars, the GEICO Insurance Agency offers agreed-value policies and limited-use terms that protect long-term value.
- Consolidate vehicles under one policy to simplify billing and pursue multi-vehicle savings.
- Discuss usage, garaging, and mileage with your agent to fine-tune rates for low-mileage drivers.
Start Your Quote and Get Covered in Minutes
Getting started is fast when you bring a few key pieces of information. Have your ZIP code, vehicle details, driver history, and a payment method ready. You can begin a car insurance quote online, in the app, or by phone at 1-800-207-7847.
What you’ll need: ZIP code, vehicle details, driving history, and payment
Begin your car insurance quote with your ZIP code and accurate driver information to get precise pricing. Include prior insurance and annual mileage so the quote reflects your risk.
Enter clean driving history and vehicle data to avoid surprises when the final insurance policy is issued.
Flexible payment methods and installment plans that fit your budget
Choose a payment plan that works for you. You can pay in full or use installments. Finalize your first payment and coverage often activates within minutes.
- Compare coverage options and deductibles as you build your policy.
- Save progress in the app and upload documents later if needed.
- Call an agent by phone for help or use the app for guided steps and two-factor verification.
- Keep your phone handy for digital ID cards and quick access after purchase.
complete-auto-insurance-geico
Use your mobile device to finish quotes, upload photos for claims, and show proof of coverage on the spot.
The GEICO Mobile app earned top marks for functionality in Forrester’s 2021 US Mobile Auto Insurance Functionality Benchmark.
With the geico mobile app you can access digital ID cards, pay bills, start claims, and update your policy from anywhere. This keeps key information and documents in one place so you don’t hunt for details when time matters.
See how much you could streamline tasks by starting a quote on the web and finishing in the app. You can enable notifications to get alerts about bills, policy changes, and claim milestones.
- Quick proof: show digital ID cards at a stop or repair shop.
- Fast uploads: add photos and documents to speed claim reviews.
- Secure access: app-based authentication protects your data.
- All-in-one: billing, policy content, and claim status live together for easy use.
Rely on the app to save time and keep your auto insurance information ready when you need it most.
Conclusion
Wrap up with a policy that fits your needs and budget. Pick liability, collision, and comprehensive limits that match how you drive and where you park your vehicle. Use available discounts to lower cost without cutting protection.
Start a car insurance quote online, in the geico mobile app, or by phone and adjust deductibles or endorsements as you review options. Manage your bill, digital ID, and claims from the app for fast service.
Count on responsive claims handling, Auto Repair Xpress repairs, and specialized help from the GEICO Insurance Agency for classic or unique vehicles. Get started now and drive with confidence knowing your coverage and service work together.
FAQ
What coverages does GEICO include in a complete auto insurance policy?
GEICO’s core coverages include liability, uninsured/underinsured motorist protection, and personal injury protection or MedPay where required. You can add collision and comprehensive for vehicle damage, plus optional extras like roadside assistance, rental reimbursement, and mechanical breakdown coverage to fit your needs.
How can you save on GEICO auto insurance?
You can lower your premium with discounts such as multi-policy bundling (home, renters, motorcycle, boat, or RV), multi-vehicle, good student, federal and military, and paid-in-full discounts. You can also enroll in the DriveEasy usage-based program for safe-driving rewards.
How do you file and track a claim with GEICO?
File a claim online, through the GEICO mobile app, or by phone. After you report, you can track progress in the app or online portal, upload photos, and communicate with claims representatives. GEICO’s Auto Repair Xpress program helps speed repairs with guaranteed workmanship for as long as you own the vehicle.
What features are available in the GEICO mobile app?
The app offers a digital ID card, one-tap bill pay, claim reporting and tracking, virtual assistant chat, and roadside assistance requests. You can also make policy changes, view coverage details, and access important vehicle and payment information from your phone.
Is GEICO available where you live?
GEICO offers coverage across all 50 states and Washington, D.C. Availability of specific coverages and rates varies by state, so provide your ZIP code when you request a quote to see state-by-state options and pricing.
What factors affect your GEICO auto insurance rate?
Rates depend on factors like driving history, vehicle make and model, age and location, credit-based insurance score where allowed, coverage selections, and usage patterns. Discounts and bundling can offset many of these costs.
How does GEICO handle coverage for teens, seniors, military, EVs, and classic cars?
GEICO provides tailored guidance and discounts for new and teen drivers, special options and savings for military and senior drivers, and specialized policies through GEICO Insurance Agency for electric, hybrid, and classic vehicles. Ask an agent for details specific to your situation.
What do you need to get a fast GEICO car insurance quote?
To get a quote in minutes, have your ZIP code, vehicle year/make/model and VIN if available, driver license numbers or history, and payment information ready. Quotes will show coverage options and flexible payment plans to fit your budget.
Can you manage payments and make policy changes online?
Yes. You can pay bills, set up autopay, view billing history, and make policy changes online or in the app. For complex changes or questions, you can also contact an agent by phone or via the virtual assistant.
How does GEICO’s roadside assistance work and when should you use it?
Roadside assistance is an optional add-on that covers services like towing, jump starts, lockout help, flat tire changes, and fuel delivery. Use it when your vehicle is disabled or you need immediate roadside help; you can request service through the app or by calling the roadside hotline.
Are claims and repairs guaranteed with GEICO?
GEICO’s Auto Repair Xpress network offers repairs backed by a guarantee for as long as you own the vehicle when you use participating repair shops. Claims handling aims to be fast and transparent, with online tracking and direct-pay options to shops in many cases.
How do optional add-ons like rental reimbursement and mechanical breakdown work?
Rental reimbursement helps pay for a rental car while your vehicle is being repaired after a covered loss. Mechanical breakdown coverage is an optional plan that covers certain non-collision mechanical failures for eligible vehicles. Check policy terms for eligibility, limits, and exclusions.
Can you get a discount for safe driving with GEICO?
Yes. The DriveEasy program monitors driving habits and can earn you safe-driving discounts based on mileage and behavior. Other safe-driver discounts may apply if you have a clean driving record for a set period.
How do state laws affect your required coverages with GEICO?
Each state sets minimum required coverages such as liability limits and PIP or MedPay. GEICO tailors your policy to meet those mandates and can recommend additional protection above state minimums based on your needs and assets.
Where can you get help if you have questions about your policy or claims?
You can use the GEICO mobile app, call customer service, visit the GEICO website for FAQs and live chat, or contact a licensed GEICO insurance agent. Help is available for billing, claims, coverage changes, and roadside needs.
