Your Guide to GEICO Full Coverage Auto Insurance

GEICO’s full coverage auto insurance offers excellent protection for your vehicle—but is it the best option for you and your needs?
Written by Kornelia Drianovski
Edited by Jessica Barrett
Reviewed by Brice Regling
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GEICO full coverage auto insurance typically adds collision coverage and comprehensive coverage to your liability coverage. If you want protection for your own vehicle, you need to get full coverage—and GEICO is one of the best companies for great customer service and affordable rates for young drivers.

What does GEICO full coverage insurance cover?

The phrase “
full coverage
” doesn’t have a specific definition, but it generally refers to a policy that includes at least three types of coverage that offer you broad protection against the most common types of risks that drivers face:
  • Liability insurance:
    Nearly every state requires this type of insurance, which covers vehicle repairs and medical expenses for other drivers if you cause an accident. That includes both
    bodily injury liability
    and
    property damage liability
    .
  • Collision insurance:
    Collision coverage from GEICO will help cover costs to repair or replace your vehicle if it’s damaged in a collision with another car or a stationary object. 
  • Comprehensive insurance:
    Comprehensive insurance helps cover costs for damage due to something other than a collision, like theft, vandalism, animals, hail, or windstorms. 
While liability coverage will pay for damage to others and their property, full coverage pays for repairs to your vehicle. The alternative is to pay out-of-pocket for these repair costs.
Bottom line: If you have a full coverage GEICO auto insurance policy, you have robust protection against a variety of threats like car accidents and falling branches.

Does full coverage really cover everything?

No, full coverage gives you a lot of protection, but it’s not all-inclusive. When a company or lender says “full coverage,” it’s mostly to differentiate the policy from one with only basic liability coverage.
Whereas basic liability only covers other people and their property, full coverage allows you to submit claims for your own vehicle. Lenders are especially keen on full coverage since they want to protect the vehicle until it’s paid off. 
Here are some other types of car insurance coverage available to GEICO customers who want a full coverage plan:
Type of coverage
Description
There are two types of uninsured motorist coverage from GEICO: one is for property damage (only available in 25 states) and the other is for bodily injury. Together, they pay for your own medical bills, vehicle repairs (if UMPD is available), lost wages, and sometimes “pain and suffering” if you get into an accident with someone who has no coverage or insufficient coverage to pay for what you need to recover. 
Medical payments (MedPay) coverage from GEICO will help pay for the medical bills of you or your passengers after a car accident, regardless of who caused it. It can also be used to pay for funeral costs. Only two states (ME and NH) require MedPay.
Like MedPay, PIP coverage from GEICO helps to offset medical expenses related to an accident but it also includes coverage for lost wages. PIP is required for GEICO customers in
no-fault states
and Oregon (an at-fault state with a PIP requirement). 
GEICO’s emergency road service is an add-on that covers towing, jumpstarts, lockout assistance, tire changes, winching, and fuel delivery if you need help on the road—and it starts from about $14 per year.
If you have full coverage insurance from GEICO and your car is in the shop following a collision or comprehensive claim, this rental reimbursement add-on can help offset the cost of alternative transportation (like a rental car) until your vehicle is repaired.
You can also purchase
home insurance
,
renters insurance
, and life insurance from GEICO.
Keep in mind: Although you can purchase policies from GEICO, they do not underwrite their policies; they act as the broker.

Is full coverage car insurance from GEICO worth it?

A full coverage car insurance policy with GEICO offers the broadest protection for drivers. While it’s not required by law in any state, full coverage is the best way to protect yourself and your assets.
While collision and comprehensive insurance are usually optional coverage,
full coverage insurance on a financed car
may be required by the lender.
The insurance cost of full coverage is worth it for the help you’d receive if you have a
totaled car
. Plus, auto insurance rates for full coverage could be lower than you think—especially if you have a
clean driving record
and good credit.
app screenshot
But before you buy a policy from GEICO, you should compare car insurance quotes from other car insurance companies. GEICO may not offer the lowest rate for your driver profile.
You can use a licensed insurance agency like
Jerry
to help you narrow down
real car insurance rates
from the country’s
best insurers
and easily compare your coverage options.
Benefits and drawbacks of full coverage GEICO car insurance
iconPros
Meets any requirements from your lender or leasing company
Assets are protected during inclement weather or if you live in a high-theft area
Pays for damages regardless of fault
iconCons
Full coverage costs more than basic liability insurance
Pro tip: If money is a major concern for you, ask about car insurance discounts for
bundling home and auto insurance
(multi-policy discount). You can also save money by going paperless or signing up for the company’s
telematics
program.

Does GEICO have the best full-coverage auto insurance?

Every insurance company has its own unique formula for
calculating premiums
. Your age, gender, zip code, driving history, and other factors will affect the rate you pay.
There’s one area where GEICO excels: Policyholder satisfaction. According to a 2021 J.D. Power review, GEICO has impressively low rates of customer complaints and high rates of customer recommendations. Similarly, GEICO generally ranks decently for claims handling.
But some drivers may find a better rate with another insurance provider, like
Allstate
or
Progressive
. The only way to determine if a GEICO full coverage policy is the best option for you is to compare GEICO’s rates with those of three to five other companies. 

FAQs

What is the cost of full coverage at GEICO?

The average cost of full coverage at GEICO is $1536 a year.1

What does GEICO full auto insurance coverage cover?

GEICO's full auto insurance coverage typically includes liability coverage, comprehensive coverage, collision coverage, and uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP) where required by law.
It's important to check the specific details of your policy, as coverage can vary based on individual preferences and state regulations.

At what point is full coverage not worth it?

Full coverage is generally a good idea for most drivers. But if your vehicle is more than 10 years old or you’re paying more for your premium than your car is worth, dropping full coverage (or at least dropping collision) could be a smart move. 

What is the difference between full coverage and liability coverage?

The difference is who and what gets protection in an accident. With basic liability coverage, the protection only extends to other drivers and other people’s property. If you cause a crash, basic liability coverage will pay for the other person’s medical bills, vehicle repair costs, and other property damage. Full coverage (adding collision and comprehensive coverage on top of liability) gives your vehicle protection, as well.

What is a deductible?

A deductible is the amount of money you have to pay out-of-pocket toward a claim before the insurance company will kick in to cover costs. Deductibles usually apply to collision and comprehensive insurance. You can adjust the amount of your deductible. The average deductible is $500. A lower deductible may trigger a higher premium and vice versa.

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