Marital Status

Tell me a little about yourself. Simply select the option that best represents your situation.

*Dependents include stay-at home spouses, adult children, and elderly parents that live in your household and rely on you for support.


What is your current age?

Insurance Coverage
Protecting yourself is important. Make sure you have enough coverage to give you financial peace-of-mind in the event of an at-fault accident.

What's most important to you when shopping for insurance?

Home Ownership

Do you own your home?

Car Ownership
If you finance or lease your vehicle, you'll need to carry Comprehensive and Collision. In addition, some leasing companies require you to carry specific limits of liability to ensure they are financially protected.

For the most expensive vehicle you'd like to insure, do you:

Vehicle Value
This information helps us determine whether you would benefit from carrying Comprehensive and Collision coverage.

What is the value of most expensive vehicle you'd like to insure?

Time Spent in Vehicle
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.

Last question! How much time do you spend in your car?

Car Insurance Coverage Factors to Consider

Estimating how much car insurance costs and the coverages you need can be difficult, but GEICO has you covered! Learn the many factors to consider when selecting the best auto coverage for you and your family.

Life Events

Things that can greatly impact your auto insurance coverage needs include:

  1. Life events like a change in marital status or moving.
  2. Relocating to another state.
  3. Owning a home (might necessitate higher limits for enhanced protection).

Our car insurance calculator factors in life changes such as marital status and homeownership to provide customized cost estimates and coverage suggestions.


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.

Back to top

  • What information do I need to shop for auto insurance?

    Having the right information in hand can make it easier to get an accurate car insurance quote. You'll want to have:

    • Your driver's license number
    • Your vehicle's make and model
    • Your vehicle identification number (VIN)
    • The physical address where your vehicle will be stored

    Get an auto insurance quote.

  • What car insurance discounts can I get?
    There are different kinds of discounts or premium reductions you may be eligible for. Some car insurance discounts are based on the safety features on your vehicle or your driving habits. There are also potential discounts based on membership in an organization or defensive driving courses you have taken. Other discounts may be available if you bundle different types of insurance—like homeowners and car insurance—together.
  • How are car insurance premiums calculated?
    Car insurance premiums hinge on various factors like age, location, driving record, coverage options, vehicle usage, and more. The make and model of your car can also impact rates for physical damage coverage. Learn more about determining car insurance rates.
  • How do I compare auto insurance quotes?

    It's important that you make sure you're comparing car insurance quotes with the same information. This includes:

    • Driver information
    • Vehicle type and location
    • Coverages, limits and deductibles
  • What do car insurance coverages do for me?
    You can learn more about all the different types of car insurance coverages. This information will help you decide how to best customize your auto insurance policy.
  • Does my state have any specific requirements for car insurance?
    Look up your home state to find out about state specific required auto insurance coverages.