Geico Insurance Coverage Options

Geico insurance coverage options offer a range of deductibles to choose from. Some of the options that they offer in every state include: bodily injury coverage, property damage coverage, comprehensive coverage & collision coverage.

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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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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

UPDATED: May 4, 2022

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Here's what you need to know...

  • Geico has been in business for over 75 years and has a superior financial reputation
  • They offer many different types of coverage options for your vehicle
  • They have a range of deductibles from which you can choose
  • Geico offers unique products that could benefit you

The number of competitors in the market today may have you asking: What car insurance coverage and deductible options do Geico offer?

There are enough major insurance companies to make you question the distinction between them. Geico is a Berkshire Hathaway company owned by Warren Buffett.

Geico’s financial standing in the industry is enough to assure you of the company’s ability to pay your legitimate claims. Geico has been in the business for over 75 years and owns assets that surpass $28 billion.

This company maintains excellent standing with the insurance rating companies that maintain financial statistics. It is a good idea for you to pay attention to these ratings as well, as they tell you a little about the company and its financial standing in the industry.

Geico maintains an “A++” rating from A.M. Best and is one of the top companies selling car insurance today. It has the latest in coverage and deductible options offered in the industry as well.

What are the car insurance coverage options offered by Geico?

Geico offers these options in every state where they are licensed to do business. Most states require a combination of the following basic coverage options:

  • Bodily injury coverage – This pays for the medical needs or damages associated with the injury or death of any persons involved in an accident where you are at fault.
  • Property damage coverage – This pays for the property you damage with your vehicle.
  • Comprehensive coverage – This protects your car from acts of vandalism, theft, fire, and acts of nature.
  • Collision coverage – This covers your car when it is hit by another car and/or object.
  • Uninsured motorist and underinsured motorist coverage – This protects you against those that cause you bodily injury or damage to your vehicle without insurance.
  • PIP or personal injury protection – This is for medical care in a no-fault state.

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What are the car insurance deductible options offered by Geico?

Does Geico offer full coverage? The deductible is the part of the financial responsibility you claim in case of an accident. You have the choice of selecting a deductible ranging from $0 to $1500. It is usually recognized in increments of $100, $500 or, in some cases, $250.

The higher your deductible, the lower your premiums, but there is something you may want to consider when establishing your deductible.

That is the possibility of having to pay it should you have an accident. Most people choose a higher deductible to make their premiums affordable.

If you are accident prone, you may want to rethink this option, as there are others. If a lower premium is more realistic, you can look at other ways to make your premiums cheaper like Geico’s programs and discounts.

What are some of the program options offered by Geico?

Geico works directly with its military partners to make its military program a success. This includes providing coverage for members of the military who are deployed overseas. You can also have your rates lowered while your vehicle is in storage.

The company offers a complete military center that offers a list of other services as well.

The company’s Auto Repair Xpress (ARX) program allows you to drop your car off at a preferred repair Xpress facility. They will provide a rental while your car is in repair and guarantee the repairs for the life of the car or other covered vehicle.

Geico also offers roadside emergency and rental car inclusions, which is required for all rental reimbursements.

What are some of the discount options offered by Geico?

Discounts are offered by Geico to help you offset the high cost of car insurance. The company gives discounts to good drivers and drivers who have taken a safe driver course.

Military personnel also receive a discount, as well as those who belong to professional organizations and other groups.

If you add a homeowner’s policy to your car insurance, you will receive a multi-policy discount.

Seniors are entitled to a Geico discount whether they are members of AARP or not. If you have fairly good credit your premiums should be affordable anyway. If not, there are plenty other discounts of which you can take advantage.

Further research may give you a more objective idea of what people are saying about the coverage and deductible options offered by Geico.

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