Get cheap auto insurance with GEICO
GEICO offers cheap auto insurance for both low- and high-risk drivers. Even if you have driven without a license, have poor credit, or have a traffic violation on your record, GEICO has coverage options at lower rates than most nonstandard insurers. We’ll break down what you can expect to pay with GEICO and highlight some of our favorite features.
GEICO offers competitive rates and solid coverage options for standard and nonstandard insurance policies. With the financial strength to back claims, you can rest easy knowing you and your vehicle have protection in the event of an accident.
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Choose from a variety of coverage options to suit your lifestyle and budget.
The average rate from GEICO is $1,731 per year for full coverage and $517 per year for minimum coverage.
However, these rates can vary significantly depending on your driver profile. Factors such as your age, driving record, credit history, and even the type of vehicle you drive play a major role in determining your premiums.
For instance, younger drivers or those with accidents on their record may pay higher premiums, while experienced drivers with clean records might enjoy more competitive rates. It’s essential to consider your individual profile when comparing rates to ensure you’re getting the most accurate and affordable policy.
| Driver profile | GEICO Full Coverage Annual Avg. | National Full Coverage Annual Avg. |
|---|---|---|
| Good driver with good credit | $1,731 | $2,399 |
| Driver with a DUI | $4,498 | $3,305 |
| Driver with an at-fault accident | $2,889 | $2,812 |
| Driver with bad credit | $2,492 | $3,377 |
| Drivers with a speeding ticket | $2,358 | $2,511 |
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GEICO offers more than just affordable rates. Here are some of the features that stand out:
GEICO has an A++ (Superior) financial strength rating from AM Best. Financial strength ratings indicate an insurance provider’s ability to pay its customers’ claims. A Superior rating means GEICO has the capital and management capacity to cover customer losses in the event of accidents, which is necessary for claims fulfillment.
If you run into issues on the road, GEICO offers 24/7 roadside assistance. This additional coverage provides the following services:
Here’s what you need to do to request help:
For vehicles less than 15 months old or with fewer than 15,000 miles, GEICO offers mechanical breakdown coverage. This additional coverage applies to the following in the event of a vehicle breakdown:
To start your mechanical breakdown insurance claim, call (800) 443-7411.
Small-business owners can find competitive rates for commercial auto insurance. GEICO’s commercial auto insurance provides protection for:
This coverage includes many business-related vehicles such as:
However, this insurance does not cover semi trucks or tractor-trailers.
GEICO provides private passenger automobile insurance in all 50 states and the District of Columbia. This nationwide accessibility ensures drivers across the U.S. can enjoy the benefits of GEICO’s trusted and reliable insurance services.
| State | GEICO Full Coverage Annual Avg. | GEICO Minimum Coverage Annual Avg. |
|---|---|---|
| Alabama | $2,001 | $793 |
| Alaska | $1,359 | $393 |
| Arizona | $1,783 | $688 |
| Arkansas | $1,998 | $816 |
| California | $1,469 | $456 |
| Colorado | $1,791 | $478 |
| Connecticut | $1,538 | $749 |
| Delaware | $2,302 | $1,012 |
| Florida | $2,508 | $806 |
| Georgia | $2,989 | $901 |
| Hawaii | $1,098 | $418 |
| Idaho | $1,096 | $300 |
| Illinois | $2,022 | $754 |
| Indiana | $1,411 | $490 |
| Iowa | $1,563 | $459 |
| Kansas | $1,328 | $404 |
| Kentucky | $1,831 | $664 |
| Louisiana | $3,156 | $961 |
| Maine | $1,256 | $459 |
| Maryland | $1,790 | $707 |
| Massachusetts | $1,416 | $467 |
| Michigan | $1,348 | $622 |
| Minnesota | $2,321 | $905 |
| Mississippi | $2,025 | $671 |
| Missouri | $2,200 | $707 |
| Montana | $1,957 | $426 |
| Nebraska | $1,820 | $355 |
| Nevada | $2,193 | $1,016 |
| New Hampshire | $1,274 | $500 |
| New Jersey | $1,507 | $673 |
| New Mexico | $1,645 | $757 |
| New York | $2,012 | $1,050 |
| North Carolina | $1,520 | $817 |
| North Dakota | $1,931 | $479 |
| Ohio | $1,101 | $344 |
| Oklahoma | $2,032 | $596 |
| Oregon | $1,923 | $1,024 |
| Pennsylvania | $2,065 | $708 |
| Rhode Island | $2,501 | $1,134 |
| South Carolina | $1,942 | $740 |
| South Dakota | $2,254 | $420 |
| Tennessee | $1,635 | $519 |
| Texas | $1,881 | $670 |
| Utah | $1,569 | $801 |
| Vermont | $1,216 | $495 |
| Virginia | $1,476 | $594 |
| Washington | $1,660 | $640 |
| Washington, D.C. | $1,815 | $918 |
| West Virginia | $1,869 | $609 |
| Wisconsin | $1,298 | $378 |
| Wyoming | $1,356 | $196 |