Car Insurance Estimator - Coverage Calculator

We think you'll like these personalized results. Ultimately, the level and type of coverage you carry is up to you. Use these recommendations as a starting point when considering your coverage. Then, start your free quote online or contact a local agent to see how much you could save.

	Lower Cost	Best Fit	More Protection
Bodily Injury Liability ? The more time you spend behind the wheel, the greater your risk of being involved in an accident becomes. This is an important factor to consider when choosing your coverage.	Lower CostN/A	Best Fit$50,000 / $100,000	More ProtectionN/A
Property Damage Liability ? Pays for damage to other people's property (such as vehicles, shrubs, signs, or buildings) resulting from an at-fault accident. If you do not carry sufficient coverage, your personal assets and earnings could be at risk.	Lower CostN/A	Best Fit$50,000	More ProtectionN/A
Uninsured Motorist Bodily Injury ? Pays you, your household relatives, and passengers in your insured motor vehicle for damages resulting from bodily injury or death arising out of accidents caused by uninsured motorists and, in most states, by hit-and-run motorists. These limits must equal your Bodily Injury liability limits unless you specifically request lower limits in writing. The first figure is the maximum amount we will pay for injury or death of any one person. The second figure is the maximum we will pay (regardless of the number of people involved) for injury or death stemming from a single occurrence. UMBI coverage and availability varies from state to state; see your policy contract for details.	Lower CostN/A	Best Fit$300,000 / $300,000	More ProtectionN/A
Uninsured Motorist Property Damage ? Pays damages you are legally entitled to recover because of damage to your insured vehicle caused by uninsured or hit-and-run motorists. You must carry this coverage at the same limit as your Property Damage liability coverage unless specifically requested at a lower limit in writing. Uninsured Motorist Property Damage does not cover the first $200.00 of damage to your vehicle as the result of any one accident. UMPD coverage is not available in all states; see your policy contract for details.	Lower CostN/A	Best Fit$50,000	More ProtectionN/A
Comprehensive ? Pays for damage to your car from theft, vandalism, flood, fire or other covered perils.	Lower CostN/A	Best Fit$250 (suggested deductible)	More ProtectionN/A
Collision ? Pays for damage to an insured vehicle when it hits or is hit by another car or object, or if the car overturns.	Lower CostN/A	Best Fit$500 (suggested deductible)	More ProtectionN/A

The GEICO Coverage Calculator is an educational tool to help you learn about insurance coverage and the various factors you may want to consider when selecting your limits and deductibles. The information provided is not intended to recommend specific insurance coverage, as it is up to you to evaluate and choose the coverage and limits that most accurately protect you and your property. The coverage options displayed in the Coverage Calculator are general in nature and may not be available in all states or in all situations. Please also note that this tool does not present every coverage option available for each state and situation. If you feel you require higher liability limits than are shown here, call 1-800-841-3000 to receive a quote for a GEICO® Personal Umbrella Policy. GEICO does not warrant the suitability of any coverage amounts that you select.

Life Events

Life events, such as moving or marriage, can have a significant effect on the amount of auto insurance coverage you need to consider. Moving out of state? The amount and types of coverage you’re required to have may change. Own a house? You may need to consider higher limits for better protection. Married? You and your spouse may have more stuff that needs protection than you would if you were single. Our car insurance calculator helps take life events such as marital status and homeownership into account.

Coverage

You can customize the amount of coverage you buy for your situation. You’ll need to consider if you want the lowest amount of coverage your situation allows. Will your coverage provide the protection that fits your needs? Or do you prefer a higher level of coverage to provide you with peace of mind in the event of an accident?

Vehicle Ownership

Is your vehicle financed or leased? This may impact the car insurance coverage you are required to have. The value of your vehicle may determine if you want to carry certain optional coverages as well. Our car insurance calculator takes these things into account when estimating your coverage needs.

Time Spent Driving

The amount of time you spend on the road matters when determining how much coverage you may want to carry. More time driving can increase your risk of being in an accident, so you may want to carry more coverage. Our car insurance calculator takes this into account when estimating your coverage.

Car Insurance Coverage Calculator

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Coverage Options

Life Events

Coverage

Vehicle Ownership

Time Spent Driving