With GEICO Car Insurance, drivers can protect their vehicles while enjoying a variety of discounts tailored to different profiles. Offering comprehensive protection for policyholders and their families, GEICO also provides support in a wide range of situations—from accidents and weather events to repairs and medical costs.
Here’s a closer look at what GEICO offers and which coverage options may be right for you.
GEICO Car Insurance Coverage Options
GEICO provides comprehensive auto coverage, supporting drivers from the moment an incident occurs through every step of the claims process. With fast service and a wide network of partners nationwide, here are some of the key coverage types available:
Liability Coverage
Bodily Injury Liability: Covers medical expenses and related costs if you’re at fault in an accident that injures others.
Property Damage Liability: Pays for damage you cause to someone else’s property, such as their car or home.
Medical Payments Coverage
Helps pay for medical expenses for you, your passengers, and your family—no matter who was at fault.
Personal Injury Protection (PIP) may also be available, covering lost wages and help with daily tasks during recovery.
Collision Coverage
Pays for damage to your own vehicle in the event of a collision, regardless of fault.
Comprehensive Coverage
Covers non-collision-related incidents such as theft, vandalism, weather events, falling objects, or damage caused by animals.
Uninsured/Underinsured Motorist Coverage
Protects you if you’re hit by a driver who has no insurance—or not enough insurance to cover the damages.
Additional Coverage Options
GEICO offers several optional coverages for even more peace of mind:
- Rental Reimbursement: Helps cover the cost of a rental car while your vehicle is in the shop.
- Emergency Road Service: Includes help with flat tires, dead batteries, lockouts, and fuel delivery.
- Mechanical Breakdown Insurance: Available for new or leased vehicles, this covers repairs to major vehicle systems beyond typical warranties.
Exclusive Discounts and Savings
GEICO is known for its generous discount programs, helping customers lower their premiums while still getting quality coverage. Some of the top discounts include:
- 20% off for having airbags purchased through partner retailers
- 5% off for anti-lock brakes and daytime running lights
- Up to 15% off for purchasing new or pre-owned vehicles
- Discounts for maintaining a clean driving record
- Defensive Driving Course discounts and certification
- Special savings for young drivers
- Up to 15% off for military personnel (active duty, retired, National Guard, or Reserves)
- 12% off for current or retired federal employees
- Up to 25% off when you insure more than one car with GEICO
- Multi-policy discounts when bundling with other GEICO insurance products
