Owned Financed and Leased Vehicles

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When adding a vehicle to your policy, we will ask if you finance, lease, or own the vehicle you want to add.

How do I know which option I should choose?

  • Financed - Select financed if the vehicle you're adding has a loan that isn't fully paid off.
  • Owned - Choose owned if you or someone else owns the vehicle free and clear (there is no loan on it).
  • Leased - Select leased if you or someone on your policy signed a lease agreement for the vehicle (payments are made for a certain period of time and then the vehicle is returned).

What if I just want a quote?

If you’re still shopping for a vehicle, consider how you will purchase it. For example, if you will finance, choose financed. This ensures you are getting the right coverage. For help finding a vehicle, check out the GEICO Car Buying Service.

What if the loan or lease isn’t in my name?

Remember, the vehicle’s registered owner must be listed on your GEICO policy. If they are not, you should add them first, then add their vehicle. Learn more about when you should add someone to your policy here.

Check out other useful tips about adding vehicles here.

The above is meant as general information to help you understand the types of drivers you may need to add to your policy. This information does not refer to any specific contract of insurance and does not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.