Personalized Auto Insurance Coverage
Everyone’s needs are unique—that’s why GEICO makes it simple to customize your car insurance policy with coverage that fits your lifestyle. While each state sets its own minimum insurance requirements, you may find that adding optional coverages gives you more complete protection. Our goal is to help you design a policy that combines both mandatory and optional coverages for the right level of security and peace of mind.
Required Auto Insurance Coverages
Every state has its own laws determining the minimum coverage types and limits you must carry. However, these minimums might not fully protect you in the event of an accident. Typically, required coverages help pay for injuries or property damage you cause to others, and in some cases, they may also cover you and your passengers.
Common required coverages include:
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Bodily Injury Liability: Covers medical expenses for others injured in an accident you cause.
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Property Damage Liability: Covers repairs for other people’s property you damage.
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Uninsured Motorist Coverage: Protects you if you’re hit by a driver without insurance.
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Personal Injury Protection (PIP) or Medical Payments: Helps pay for medical costs for you and your passengers.
You can always choose to increase your coverage limits beyond the state minimums for greater financial protection.
Vehicle-Specific Coverages
These options protect your car if it’s damaged in an accident or by unexpected events like theft, vandalism, or natural disasters.
Popular vehicle-specific coverages include:
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Collision Coverage: Pays for repairs to your car after a crash, no matter who’s at fault.
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Comprehensive Coverage: Covers non-collision damage such as theft, fire, or weather-related incidents.
If you lease or finance your vehicle, your lender may require these coverages. Even if not mandatory, they can provide peace of mind by helping you avoid costly repairs or replacements.
Optional Coverages for Extra Protection
Beyond the legal requirements, GEICO offers optional coverages to enhance your policy and give you added security.
Examples of optional coverages:
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Medical Coverages
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Emergency Roadside Service
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Rental Reimbursement
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Mechanical Breakdown Insurance
Ask yourself:
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Would I need a rental car if mine was in the shop?
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Could I afford unexpected repair or replacement costs?
These options help bridge the gap between basic legal requirements and the level of protection that’s right for you.
Need Help Choosing Your Coverage?
We know car insurance can feel overwhelming, and we’re here to simplify the process. Try our coverage calculator to find answers to key questions such as:
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How much bodily injury coverage do I need?
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What deductible amount best fits my budget?
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Should I consider coverage beyond my state’s minimums?
With GEICO, personalizing your car insurance has never been easier