Car Insurance

Start a car insurance quote and see how much you could save!

We all need auto insurance, and the best place to start is with a free car insurance quote. Whether you're looking for affordable car insurance rates, personalized vehicle coverage, or great service, GEICO has you covered for it all!

Start Your Quote

Car Insurance Savings

Learn more about additional savings →

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.

Start Your Quote

Learn more about personalized coverages →

Getting a Car Insurance 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 car insurance 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 coverages for each quote.
• Policy limits: There are minimum amounts, but using our coverage calculator may help you determine the amount that you may want.
• 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 car 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 for others if you're involved in an accident. All it takes is a few minutes to get a personalized car insurance quote with great rates, discounts, and options available to you.

Start Your Quote

Learn more about car insurance →

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 personalize your car insurance.

Required auto insurance coverages.

These often pay for damages or injuries to other people and/or their property caused by an accident for which you're found at fault.

Most states require specific coverages and limits that provide a minimum level of protection. While the coverages required vary by state, they may include:

• Bodily injury coverage
• Property damage coverage
• Uninsured motorist coverage
• Personal Injury Protection or Medical Payments Protection

The amount of protection for these coverages can be increased above state minimums.

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 and your property.

In general, here are some auto insurance 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 car insurance coverage you need.

We get it. Car insurance isn't the easiest thing. We're here to help answer any questions you may have, such as:

• 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.

Start Your Quote

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 auto insurance, file a claim, or just have questions about your insurance policies, we can help.

Easier in the App

Scan this QR code and download the GEICO mobile app.

We're dedicated to making car insurance easier in our app and online with:

• 1 tap bill pay
• Digital ID cards
• Policy Changes
• 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 chat with us about your car insurance needs.

Local Insurance Agents

GEICO auto 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

Find your closest GEICO insurance agent.

• How should I compare car insurance quotes?
  To best compare car insurance quotes from different providers, ensure you select the same coverage, policy limit, and deductible amount. This approach will provide you with a comprehensive view of each insurer's offerings. Start by getting a car insurance quote from GEICO.
• How quickly can I get car insurance coverage?
  With GEICO, you can typically get car insurance coverage in a matter of minutes. All you need to do is contact an agent or visit our website or mobile app and fill out an application. Be prepared to provide details about your vehicle, driving history, and personal information. Once you've completed the application, chosen your coverage, and made your first payment, your coverage begins on the date specified in the policy.
• Find your state's car insurance requirements.
  Car insurance is required in almost every U.S. state, with some limitations and unique exceptions. To check your state requirements and determine your auto insurance needs, check out our state car insurance guide.
• How could 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 factors influence the cost of car insurance?

  Car insurance rates can be influenced by many factors, including:

  • Your age, gender, and driving history
  • Where you live
  • Vehicle usage
  • Your car's year, make, model, and safety features
  • Coverage amount
  • And more
• 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.
• What is typically not covered by personal car insurance?

  Although personal car insurance provides essential financial protection, it doesn't cover everything. What isn't covered varies by policy and insurer, but car insurance policies typically don't cover:

  • Routine maintenance
  • Wear and tear
  • Personal items inside your vehicle
  • Ride-sharing and commercial usage
  • General mechanical breakdowns
  • Injuries to pets
• Do you offer Accident Forgiveness car insurance coverage options?
  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, including various payment methods and installment plans. 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.
• Can I talk to a local GEICO agent near me about car insurance?
  We have many GEICO local agents across the country ready to help you with your car insurance needs. Find one near you.