Auto Insurance
Car Insurance
85 years of saving people money on car insurance with affordable rates and personalized service.
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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!
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.
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 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.
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 the best rates, discounts, and options available to you.
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!
Auto Insurance Reviews from Real Customers
"I have had Geico for I don't know how many years now, and how many vehicles. As I went online today and made a payment adjustment, it was so effortless and it just hit me. I've never done a review and GEICO really deserves one from me. It's been years since I've ever had to use my insurance, but back when I did have a fender ben..."
"Hands down the very best insurance company that I have ever done business with. Additionally, nobody can beat the prices across the board. GEICO remains the cheapest out of them all and with additional amenities that other companies just don't offer. Auto, Home, Pet & Rental Insurance all available to you 5 STARS hands down the best decis..."
"Talked with James from the Happy Valley branch in Oregon. He was very helpfull and friendly. Every thing went real smooth and was a good experience."
"Professional, polite, kind, nice agents assisting in getting on board. This staff at the local office was just plain outstanding. Thank you Geico for bringing us on board."
"Whoever "finally" fixed the ID card printing design, thank you VERY much. I could not print the entire card, but instead, lost one number of your insurance policy every time I printed the cards."
"Switched to Geico and then had 2 no-fault claims. The customer service for both claims was best I've seen. Collision and medical and PIP personnel were not only efficient but also personable. Should have switched long time ago. PRICE is great too!!!!"
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 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 reimbursement
- 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.
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 policy, file a claim, or just have insurance questions we're here for you.
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
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
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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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. -
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. -
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. -
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. -
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. -
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 driving basics. -
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
Additional Auto and Vehicle Insurance Options
* Customer satisfaction based on an independent study conducted by Alan Newman Research, 2020. GEICO is a registered service mark of Government Employees Insurance Company, Washington, DC 20076; a Berkshire Hathaway Inc. subsidiary. © 2021 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.