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Geico auto insurance review

Pros & Cons

Pros

  • Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
  • Robust website and mobile app.
  • Many discounts available.

Cons

  • Doesn’t offer gap or rideshare insurance.
  • Limited network of local agents.

Full Review

Geico is the nation’s second-largest auto insurance company, known primarily for low rates offered directly to consumers online and over the phone. It is available in all 50 states and Washington, D.C. If you’re looking for an affordable car insurance policy, and you’re comfortable managing your own accounts online when an agent isn’t nearby, Geico might be right for you.

Pros & Cons

Pros

  • Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
  • Robust website and mobile app.
  • Many discounts available.

Cons

  • Doesn’t offer gap or rideshare insurance.
  • Limited network of local agents.

Geico auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it’s a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage typeWhat it pays forRequired?
Bodily injury and property damage liabilityCosts for injuries, deaths or property damage from an accident you caused.Typically required.
Uninsured or underinsured motorist coverageMedical and property damage costs after an accident with a driver who has insufficient insurance or none at all.Often required.
Collision coverageRepair expenses from traffic-related accidents, regardless of who’s at fault.A car loan or lease may require it.
Comprehensive coverageRepair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.A car loan or lease may require it.

In addition to typical car insurance coverage choices, Geico offers mechanical breakdown coverage. This covers repairs to all mechanical parts of a new car, less than 15 months old and with fewer than 15,000 miles, except problems caused by wear and tear. There’s a $250 deductible.

Mechanical breakdown coverage is renewable for up to seven years or 100,000 miles, whichever comes first, and does not pay for regular maintenance, such as tuneups.

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