If you need liability coverage for your car, Geico is one of many providers with nationwide availability. Car owners can get liability car insurance for an average cost of $31 to $39 per month. However, it’s important to note that your rates can vary quite a bit based on several factors.
The foundation of all car insurance
is liability coverage, which pays for damage to other drivers if you cause an accident. In this guide, we’ll compare Geico's liability insurance options to those of other providers, and we’ll offer some tips for quickly reducing your auto insurance costs. Does Geico offer liability insurance?
Yes, Geico offers liability insurance
. Aside from auto liability coverage, Geico’s policy offerings include personal liability insurance
, business liability coverage, and home liability insurance. But we’ll be focusing on Geico’s car insurance liability coverage, which comes in two categories: Bodily Injury Liability Insurance:
This type of insurance covers medical expenses for injuries sustained by others in an accident that you are at fault for. It pays for hospital bills, compensation for pain and suffering, and lost wages. It also protects you from being sued for personal injury.Property Damage Liability Insurance:
This insurance pays for damages to another person's property that you have caused. Usually, it covers repairs to another driver's vehicle, but it can also be used to repair a damaged building or replace a destroyed hedge. If you are sued, this insurance will also cover the legal expenses.
To find out about specific policy provisions, exclusions, or availability, it’s best to speak directly with a Geico agent.
Liability insurance is mandatory for drivers in most states, with a few exceptions. Only property damage liability insurance is required by law for drivers in Florida
, while drivers in New Hampshire
and Virginia
may be exempt based on certain criteria. If your state mandates liability insurance, your Geico policy must provide coverage that meets the minimum liability limit. RECOMMENDEDNo spam or unwanted phone calls · No long forms
Do you need more than liability insurance?
You’ll need to check up on the insurance laws in the state where you live to find out what you’re legally required to buy for car insurance. Some states, like California
and Texas
, only require liability coverage. Other states require additional coverage, such as uninsured/underinsured motorist coverage
, personal injury protection (PIP)
, and medical payments coverage
. If that’s the case where you live, then your Geico policy must include those types of insurance. You may need insurance coverage that goes beyond liability coverage if:
Your state requires additional insurance coverage. You can check what your state requires here
. Your risk profile is unique. Being employed by a rideshare company, residing in an area with high crime rates, or owning a luxury vehicle are some examples of risk factors that may necessitate increased coverage.
You lack health insurance. MedPay and PIP coverage options provide for medical expenses incurred in a car accident for you and your passengers. If you have a high health insurance deductible or no insurance at all, these coverages offer a cost-effective solution for having medical coverage in case of an accident.
Cost of Geico liability insurance
On average, car owners pay around $300 to $400 a year for liability coverage, but there can be huge variances in the price of premiums between individual drivers. That’s because Geico, like other insurance providers, takes into consideration many factors when they set your insurance rates.
Some things that might affect your liability insurance price include your coverage amount, the minimum requirements for insurance where you live, your state’s rate of uninsured drivers, and your personal driving record. Insurers also may consider your neighborhood, gender
, and credit score
. Check out this table to see how Geico stacks up against competitors on the average cost for minimum required car insurance coverage policies:
| Average annual cost of minimum coverage | Average monthly cost of minimum coverage |
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To get an idea of a reasonable price for your policy, get quotes from at least three different providers and compare them. You can easily get car insurance quotes online
to save yourself some hassle. The bottom line
Geico is an exceedingly affordable choice for liability insurance, offering coverage for car liability-only policies and additional insurance products for renters, homeowners, and business owners.
However, it's advisable to compare quotes before deciding on car insurance coverage. Even though Geico’s rates are great, you may find a better deal from another provider. If you have a history of violations or live in an area with high numbers of uninsured drivers, it’s especially worth shopping around for better prices.
“I was looking for a liability insurance plan for my truck until I can afford more coverage. Jerry
made it simple to shop around for the best deal for me. Thank you!” —Jake L.
FAQs
Liability insurance, which is legally required in most states, covers expenses such as medical bills or repairs for other drivers in the event of an accident that you are responsible for.
In contrast, full coverage provides coverage for repairs to your own vehicle and is not a legal requirement anywhere. While full coverage insurance provides protection for your own vehicle, it may not be in your budget, or its cost may exceed the value of the car you’re insuring.
Yes. With the exception of New Hampshire and Virginia, all states mandate the purchase of a minimum amount of liability insurance, although the amount required varies by state. This insurance option is available—and advisable—for drivers in all states.
The amount of liability insurance you need depends on several factors, including your personal financial situation and the laws in your state. You’ll want enough liability coverage to protect you from a lawsuit if you ever do find yourself at fault in an accident. It's also recommended to review your coverage periodically and adjust it as needed to reflect changes in your assets and risk.
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