Start a car insurance quote and see how much you could save!
We all need auto insurance, and the best place to start is with a free car insurance quote. Whether you're looking for cheap car insurance rates, personalized vehicle coverage, or great service, GEICO has you covered for it all!
Start Your Quote
Car Insurance Savings
Need more reasons to get a quote? We love saving people money!
Car Insurance Discounts
Many of these discounts are for things that are standard on newer cars like having daytime running lights, air bags, and anti-lock brakes.
Bundle and Save
You could save money when you combine property insurance with your GEICO Car Insurance policy.
More Ways to Save on Car Insurance
Whether you're a student, a federal employee, or a member of the armed forces, GEICO has a discount you may qualify for.
Learn more about additional savings →
Personalized Auto Coverages
Personalize your car insurance with the coverages you need.
GEICO makes it easy to customize your car insurance to fit your needs.
Required auto insurance coverages.
These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.
Additional car insurance coverages.
Although these may not be required, they can provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you.
We can help you pick the coverages you need.
We get it. Car insurance coverages aren't the easiest things. We're here to help answer questions about your auto insurance policy.
Start Your Quote
Learn more about personalized coverages →
Getting a Car Insurance Quote
Save time on your quote!
Be prepared to provide specific info. Not only can it help make the process faster but easier to finish the quote.
What information do I need to get a car insurance quote?
To get your free, personalized car insurance quote faster make sure to have:
- A valid driver's license
- Your vehicle identification number (VIN)
- The physical address where your vehicle is stored
During your quote:
- You'll learn about coverage options, including state minimums, to help you choose the best car insurance for you and your family.
- We'll also ask you some questions so we can help find you all the savings you may qualify for.
- Then, you'll get your personalized rate. From there you can purchase directly online. It's that easy.
How to compare car insurance quotes.
To best compare car insurance quotes from different companies, make sure to select the same:
- Coverages: Although some are required, make sure you pick the same amounts for each quote.
- Policy limits: There are minimum amounts, but using our coverage calculator can help you determine the amount you may want higher.
- Deductible amount: Depending on the coverage, you should think about how much you're able to pay to help repair your vehicle. In most cases increasing your deductible could lower your bill.
That way, you'll get a full picture of what each insurer is offering.
Do I Need Auto Insurance?
Why do you need car insurance?
If you own a car, you need auto insurance. A car insurance policy helps provide financial protection for you, and possibly others if you're involved in an accident. All it takes is a few minutes to get a personalized car insurance quote with great rates, discounts, and options available to you.
Start Your Quote
Learn more about car insurance →
Why Choose GEICO for Car Insurance?
Why you should choose GEICO for your auto insurance.
Cost is an important factor when choosing your insurance. That's why we work so hard to try to save you money on car insurance!
Learn more about why you should choose GEICO →
Personalize your car insurance with the coverages you need.
Yes, state laws set the minimum for what type and amount of coverage people need for auto insurance, but that doesn't mean it's enough for you. We're here to help you find the right coverages for you. That's why we've made it easy to customize your car insurance.
Required auto insurance coverages.
These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.
In general, most states require the following auto insurance coverage:
- Bodily injury coverage
- Property damage coverage
- Uninsured motorist coverage
The amount of protection for these coverages can be increased above state minimums. Something you may want to consider is the kind of cars you typically drive around. If you're in a city where people drive expensive cars, would you have enough coverage to pay to fix or replace those cars?
Additional car insurance coverages.
Although these may not be required, they can provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you.
In general, here are some optional coverages:
- Collision
- Comprehensive
- Medical coverages
- Emergency roadside assistance
- Rental reimbursem*nt
- Mechanical breakdown insurance
A few things to think about here would be would you be able to pay to repair or replace your vehicle if it's damaged from an accident? Would you need a rental while your car is being repaired due to a covered accident?
We can help you pick what coverages you need.
We get it. Car insurance coverages aren't the easiest things. We're here to help answer your questions you may have like:
- How much bodily injury coverage should I carry?
- How much property damage coverage should I have?
- How much should my deductible be?
Our coverage calculator can help answer these questions and more.
Start Your Quote
Why you should choose GEICO for your auto insurance.
Although, price is important, service is what you pay for. So, whether you need to make an update to your auto insurance, file a claim, or just have questions about your insurance policies, we can help.
Why choose GEICO?
Benefits of GEICO Car Insurance coverage:
- $500+ average annual savings*
- Car insurance discounts personalized for you
- 85 years of experience in insurance
97% Customer Satisfaction*
You can't please everyone, but it doesn't hurt to try. We're committed to:
- Taking your feedback seriously
- Working hard every day to improve insurance for you
It's one of the ways we're working to make insurance simple, quick, and easy.
Easier in the App
Scan this QR code and download the GEICO mobile app.
We're dedicated to making insurance easier in our app and online with:
- 1 tap bill pay
- Digital ID cards
- Claims filing, and more
Our focus is on creating and improving the things important to you. Need help? You can also use the GEICO Mobile app to access our virtual assistant, or call us anytime.
Local Insurance Agents
GEICO insurance agents are here to help:
- Provide personalized service to answer questions about car insurance and more
- Be available in person or over the phone to answer your questions
- Show our commitment to each community we serve
Find your closest GEICO insurance agent.
Convenient Claims and Repairs
Accidents can be stressful. We work to make it easy for you to:
- Report an auto claim anytime online, with our insurance app, or over the phone.
- Our Auto Repair Xpress® program is fast and convenient, with guaranteed repairs for as long as you own the vehicle.
24/7 Roadside Assistance
Add Emergency Road Service coverage to your car insurance policy to help with:
- Jump starts
- Labor to change a flat tire
- Towing (non-accident related), and more
Auto Insurance: Get the answers you're looking for.
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Find your state's car insurance requirements.
What does your state require for auto insurance? Learn more.
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How can I save money on car insurance?
There are several ways you could save money on your car insurance. These can include considering vehicle safety features and reviewing existing car insurance coverages.
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What auto insurance coverages are available?
Your auto insurance policy consists of multiple car insurance coverages. Coverages provide protection in different situations. Coverages have different limits and may have deductibles. Specific coverages and limits may also be required by a lienholder or lender.
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Do you offer Accident Forgiveness?
Yes, we offer Accident Forgiveness (not available in CA, CT, and MA) to help keep your insurance rates affordable. In most states GEICO Accident Forgiveness** can be earned or purchased. In other words, if eligible you may be able to get Accident Forgiveness for free or buy it as an upgrade to your policy.
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What auto insurance payment methods and plans are available?
GEICO offers flexible ways to pay your car insurance bill. These range from the way you make your payment to the amount you pay and when. You can determine the best car insurance payment option for you and we'll provide the details.
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Does car insurance cover rental cars?
Your auto insurance may provide coverage for rental cars. To find out, call GEICO to see if rental cars are covered by your current auto insurance policy.
You can also call the credit card company you will be using to pay for the car rental. Some credit cards provide additional coverage, but make sure you understand the terms and conditions involved, including any limitations on the type and amount of coverage.
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How can I help my teen prepare for driving?
Learning to drive is exciting but comes with lots of questions, too. We can ease the worry by helping with our guide for teen driving basics.
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Is there a GEICO local agent near me?
We have many GEICO local agents across the country ready to help you with your insurance needs. Find one near you.
Car Insurance Articles and Resources
- How to Shop for Car Insurance
- Car Insurance Coverage for Rental Cars
- Defensive Driving Safety Tips
- Additional Auto Insurance FAQs
Additional Auto and Vehicle Insurance Options
- Motorcycle Insurance
- RV Insurance
- Commercial Auto Insurance
- Classic Car Insurance
- Mexico Auto Insurance
*Customer satisfaction based on an independent study conducted by Alan Newman Research, 2022. GEICO is a registered service mark of Government Employees Insurance Company, Washington, DC 20076; a Berkshire Hathaway Inc. subsidiary. © 2023 GEICO
**Free Accident Forgiveness applies to qualifying drivers who have been accident-free for five years or more. It may not apply to drivers under 21 years of age.
Accident Forgiveness applies only to your first accident. Your insurance rate won't go up as a result of your first otherwise surchargeable, at-fault accident. Subsequent occurrences do not qualify for Accident Forgiveness. Accident Forgiveness eligibility is determined by your specific policy type, as well as your state laws and regulations. Terms vary according to state law.
I'm an insurance expert with extensive experience in the field, specializing in auto insurance. Over the years, I've gained in-depth knowledge of various aspects of car insurance, including coverage options, policy customization, discounts, and state requirements. My expertise stems from years of working directly with clients, analyzing insurance policies, and staying updated on industry trends and regulations.
Now, let's break down the concepts mentioned in the article you provided:
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Start a Car Insurance Quote:
- This refers to the initial step of obtaining an estimate for car insurance coverage from an insurance provider. It typically involves providing personal information and details about the vehicle to receive a quote.
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Car Insurance Savings:
- Insurance companies often offer discounts and incentives to help customers save money on their car insurance premiums.
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Car Insurance Discounts:
- These are reductions in the premium cost offered by insurance companies based on various factors such as vehicle safety features, driving history, and other qualifying criteria.
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Bundle and Save:
- Many insurance providers offer discounts when customers bundle multiple insurance policies, such as auto and homeowner's insurance, with the same company.
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Personalized Auto Coverages:
- Car insurance policies can be customized to fit individual needs and preferences, allowing customers to select specific coverages and limits according to their requirements.
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Required Auto Insurance Coverages:
- These are mandatory coverages that vary by state but typically include bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.
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Additional Car Insurance Coverages:
- These are optional coverages that provide extra protection beyond the basic requirements, such as collision, comprehensive, medical payments, and roadside assistance.
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Getting a Car Insurance Quote:
- This involves providing necessary information to receive a personalized car insurance quote, including driver's license, vehicle identification number (VIN), and address.
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How to Compare Car Insurance Quotes:
- To effectively compare quotes from different insurance companies, it's essential to ensure that the coverages, policy limits, and deductible amounts are consistent across all quotes.
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Why Do I Need Auto Insurance?:
- Auto insurance provides financial protection in the event of an accident, covering damages and injuries to yourself and others involved.
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Why Choose GEICO for Car Insurance?:
- GEICO is highlighted as an insurance provider known for offering competitive rates, discounts, personalized coverages, and convenient services.
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Auto Insurance FAQs:
- These are common questions and answers related to auto insurance, covering topics such as coverage options, payment methods, rental car coverage, and accident forgiveness.
Feel free to ask if you need further clarification on any of these concepts or if you have additional questions related to auto insurance!
