GEICO Insurance Coverage Options

As one of the most established insurance companies in America, GEICO offers a variety of coverage options to car owners, including liability, collision, comprehensive, and more. Learn about your options and how to save on GEICO insurance.

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UPDATED: Jun 14, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 14, 2022Fact Checked

Here's what you need to know...

  • GEICO is a well-known insurance company with a superior financial strength rating
  • The company offers various coverage options
  • It also provides discounts that could help lower rates

When you’re shopping around for insurance, it’s a good idea to compare the various options in the marketplace. There are several major companies to consider, and you’ll want to explore each company’s background and see if its coverage solutions are right for you. 

Among the many options, you may want to review GEICO, a well-known name in the industry. We’ve done the legwork for you, so you can see if this company is a contender.

What is GEICO?

GEICO is one of the most familiar insurance companies for many consumers, partly because of an extensive advertising campaign featuring its endearing gecko. This character appeared extensively on TV screens and made the company a household name. 

Yet, GEICO brings more to the table than good advertising — it has an excellent reputation, too. A.M. Best rates the company with a superior financial strength rating of A+++.

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What are GEICO’s insurance coverage options?

GEICO offers all the standard options for auto insurance, including liability, collision, comprehensive, and more.

GEICO Liability Insurance Coverage

Almost every state requires that car owners carry basic liability coverage, including third-party bodily injury and property damage. GEICO will offer you these solutions in every state where it has a license to do business.

GEICO Collision Coverage

You can also buy collision coverage from the company. This will help to pay for damage to your car should you hit another vehicle or if you collide with a stationary object.

GEICO Comprehensive Coverage

Talk with the company about its comprehensive coverage options. These solutions help protect your car from fire, vandalism, collisions with animals, storms or other acts of nature, and theft.

Other Coverage Options

Some states may require you to have protection against uninsured or underinsured motorists. This can shield you against damage or bodily injury should another driver collide with you and not have adequate insurance. 

In addition, you can typically buy personal injury protection coverage, which helps to pay for medical care if you sustain injuries in an accident in a no-fault state.

GEICO offers all these coverage options.

GEICO Insurance Discounts

GEICO also offers lower-cost insurance options that may be of interest to you. For example, you may pay less if you pay for your policy in full rather than monthly, and you may be eligible for discounts if you fit certain safety or anti-theft devices into your car.

If you have several vehicles to add to your policy or want to add other drivers, you may qualify for a discount. 

GEICO also offers discounts for students, as well as for bundling home and auto coverage. Check with an agent to find out which discounts may apply to you.

Does GEICO offer a military discount?

GEICO offers 15% off in discounts on car insurance for service members who are in active duty, in reserve, or retired from the military. In addition, you can maintain uninterrupted coverage if the government deploys you overseas. 

Should you decide to put your vehicle in storage when moving abroad, you may also be able to suspend or reduce your coverage and save money through the company’s storage protection plan.

Does GEICO offer full coverage?

As one of the most established companies in the business, GEICO can certainly offer you what many people consider to be full coverage. In fact, that term is something of a misnomer as it does not represent a coverage option per se. 

When people refer to “full,” they typically mean the basic coverage required by their state, together with comprehensive and collision coverage that helps protect the vehicle’s value.

What is the typical GEICO full coverage price?

If you are looking for full coverage, you’ll typically want to add comprehensive, collision, uninsured/underinsured, and personal injury protection to your liability policy.

The price will vary based on the following:

  • Where you live
  • The type of car you drive
  • Your age
  • Your driving record

You will also have to consider the deductible when negotiating a premium, as higher deductibles often lower your rates.

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Explore GEICO Coverage Options

As a full-service insurance company, GEICO can provide you with coverage in every major auto insurance category. The company has a superior financial strength rating and a variety of discount options. 

To find out whether GEICO insurance is a good fit for you, speak with an agent and compare quotes from a few different companies.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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