Car Insurance - Get a Free Auto Insurance Quote (2023)

Start a car insurance quote and see how much you can save!

We all need auto insurance, and the best place to start is with a free car insurance quote. Whether you're looking for cheap car insurance rates, personalized vehicle coverage, or great service, GEICO has you covered for it all!

Start Your Quote

Car Insurance Savings

Need more reasons to get a quote? We love saving people money!

Car Insurance Discounts

Many of these discounts are for things that are standard on newer cars like having daytime running lights, air bags, and anti-lock brakes.

Bundle and Save

You could save money when you combine property insurance with your GEICO Car Insurance policy.

More Ways to Save on Car Insurance

Whether you're a student, a federal employee, or a member of the armed forces, GEICO has a discount you may qualify for.

Learn more about additional savings →

Car Insurance - Get a Free Auto Insurance Quote (1) Car Insurance - Get a Free Auto Insurance Quote (2)

Personalized Auto Coverages

Personalize your car insurance with the coverages you need.

GEICO makes it easy to customize your car insurance to fit your needs.

Required auto insurance coverages.

These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.

Additional car insurance coverages.

Although these may not be required, they can provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you.

We can help you pick what coverages you need.

We get it. Car insurance coverages aren't the easiest things. We're here to help answer any questions you may have.

Start Your Quote

Learn more about personalized coverages →

Getting a Car Insurance Quote

Save time on your quote!

Be prepared to provide specific info. Not only can it help make the process faster but easier to finish the quote.

Car Insurance - Get a Free Auto Insurance Quote (3)

What information do I need to get a car insurance quote?

To get your free, personalized car insurance quote faster make sure to have:

  • A valid driver's license
  • Your vehicle identification number (VIN)
  • The physical address where your vehicle is stored

During your quote:

  • You'll learn about coverage options, including state minimums, to help you choose the best car insurance for you and your family.
  • We'll also ask you some questions so we can help find you all the savings you may qualify for.
  • Then, you'll get your personalized rate. From there you can purchase directly online. It's that easy.

Car Insurance - Get a Free Auto Insurance Quote (4)

How to compare car insurance quotes.

To best compare car insurance quotes from different companies, make sure to select the same:

  • Coverages: Although some are required, make sure you pick the same amounts for each quote.
  • Policy limits: There are minimum amounts, but using our coverage calculator can help you determine the amount you may want higher.
  • Deductible amount: Depending on the coverage, you should think about how much you're able to pay to help repair your vehicle. In most cases increasing your deductible could lower your bill.

That way, you'll get a full picture of what each insurer is offering.

(Video) How to get Cheap Car Insurance | Auto insurance | Car insurance | Auto insurance quotes for free

Do I Need Auto Insurance?

Why do you need car insurance?

If you own a car, you need auto insurance. A car insurance policy helps provide financial protection for you, and possibly others if you're involved in an accident. All it takes is a few minutes to get a personalized car insurance quote with the best rates, discounts, and options available to you.

Start Your Quote

Learn more about car insurance →

Car Insurance - Get a Free Auto Insurance Quote (5) Car Insurance - Get a Free Auto Insurance Quote (6)

Why Choose GEICO for Car Insurance?

Why you should choose GEICO for your auto insurance.

Cost is an important factor when choosing your insurance. That's why we work so hard to try to save you money on car insurance!

Learn more about why you should choose GEICO →

Auto Insurance Reviews from Real Customers

Geico recommendations

(Video) How to get cheap car insurance quotes on your phone - Auto insurance

"I have been with Geico for many years and they I believe are the top rated insurance company in the US. I appreciate them and are very satisfied with their service."

Barbie7777 on May 02, 2023

Excellent Customer Service Rep.

"Keep this representative - she was great to have worked with in adjusting my policy"

Girthrod on April 29, 2023

Roadside Assistance

"Hello,Just wanted to take the time to say that I am so grateful for Geico and the Roadside Assistance program. I know all insurance companies have it but I like to give credit where credit is due. And since Geico is my current insurance, I just want to say I appreciate the help that I received on today (4/22). My son is out of town and away fro..."

SRMattox on April 22, 2023

horrible website but great company

"I use to could postpone my payment by a simple click and it was easy to I can't find it and I've been looking for 20 min...but Geico is a great insurance company, I just wish they had left their website the same."

bv on April 13, 2023

Auto Insurance

"Great Customer Service, great price for auto insurance."

Celina on April 11, 2023


"We purchased this policy recently, our representative Cynthia was instrumental in the process. We were with our previous carrier 20+ years and with her help we were able to transfer to Geico with ease."

KR on April 09, 2023

The Chevy S10 I have not had only my policy since

"I've been being over charged I only have my dodge caravan my Chevy S10 has no longer been with me since 08/26/2021 I've been being paid for two vehicles when I only own one of them would likes remnerced for the last two years I've been paying on my truck that bucanannana Subaru now owns and has sold to someone else please help I need..."

on April 06, 2023

I was attended very excellently and professionally

"I was attended very excellently and professionally by the representative Liroy, I am happy. Thank you!"

irys on April 03, 2023

Personalize your car insurance with the coverages you need.

Yes, state laws set the minimum for what type and amount of coverage people need for auto insurance, but that doesn't mean it's enough for you. We're here to help you find the right coverages for you. That's why we've made it easy to customize your car insurance.

Required auto insurance coverages.

These pay for damages or injuries to other people and/or their property caused by an accident you're found at fault for.

In general, most states require:

  • Bodily injury coverage
  • Property damage coverage
  • Uninsured motorist coverage

The amount of protection for these coverages can be increased above state minimums. Something you may want to consider is the kind of cars you typically drive around. If you're in a city where people drive expensive cars, would you have enough coverage to pay to fix or replace those cars?

Additional car insurance coverages.

Although these may not be required, they can provide you with an extra layer of protection. These coverages normally take care of damages and/or injuries to you.

In general, here are some optional coverages:

  • Collision
  • Comprehensive
  • Medical coverages
  • Emergency roadside assistance
  • Rental reimbursement
  • Mechanical breakdown insurance

A few things to think about here would be would you be able to pay to repair or replace your vehicle if it's damaged from an accident? Would you need a rental while your car is being repaired due to a covered accident?

We can help you pick what coverages you need.

We get it. Car insurance coverages aren't the easiest things. We're here to help answer your questions you may have like:

  • How much bodily injury coverage should I carry?
  • How much property damage coverage should I have?
  • How much should my deductible be?

Our coverage calculator can help answer these questions and more.

Start Your Quote

(Video) How to Compare Auto and Home Insurance Quotes

Why you should choose GEICO for your auto insurance.

Although, price is important, service is what you pay for. So whether you need to make an update to your policy, file a claim, or just have insurance questions we're here for you.

Why choose GEICO?

Benefits of GEICO Car Insurance coverage:

  • $500+ average annual savings**
  • Car insurance discounts personalized for you
  • 85 years of experience in insurance

97% Customer Satisfaction**

You can't please everyone, but it doesn't hurt to try. We're committed to:

  • Taking your feedback seriously
  • Working hard every day to improve insurance for you

It's one of the ways we're working to make insurance simple, quick, and easy.

Easier in the App

Car Insurance - Get a Free Auto Insurance Quote (7)

Scan this QR code and download the GEICO mobile app.

We're dedicated to making insurance easier in our app and online with:

  • 1 tap bill pay
  • Digital ID cards
  • Claims filing, and more

Our focus is on creating and improving the things important to you. Need help? You can also use the GEICO Mobile app to access our virtual assistant, or call us anytime.

Local Insurance Agents

GEICO insurance agents are here to help:

  • Provide personalized service to answer questions about car insurance and more
  • Be available in person or over the phone to answer your questions
  • Show our commitment to each community we serve

Find your closest GEICO insurance agent.

Convenient Claims and Repairs

Accidents can be stressful. We work to make it easy for you to:

  • Report an auto claim anytime online, with our insurance app, or over the phone.
  • Our Auto Repair Xpress® program is fast and convenient, with guaranteed repairs for as long as you own the vehicle.

24/7 Roadside Assistance

Add Emergency Road Service coverage to your car insurance policy to help with:

  • Jump starts
  • Labor to change a flat tire
  • Towing (non-accident related), and more

(Video) Get Free auto insurance quotes

Auto Insurance: Get the answers you're looking for.

  • How can I save money on car insurance?

    There are several ways you could save money on your car insurance. These can include considering vehicle safety features and reviewing existing car insurance coverages.

  • What auto insurance coverages are available?

    Your auto insurance policy consists of multiple car insurance coverages. Coverages provide protection in different situations. Coverages have different limits and may have deductibles. Specific coverages and limits may also be required by a lienholder or lender.

  • Do you offer Accident Forgiveness?

    Yes, we offer Accident Forgiveness (not available in CA, CT, and MA) to help keep your insurance rates affordable. In most states GEICO Accident Forgiveness*** can be earned or purchased. In other words, if eligible you may be able to get Accident Forgiveness for free or buy it as an upgrade to your policy.

  • What auto insurance payment methods and plans are available?

    GEICO offers flexible ways to pay your car insurance bill. These range from the way you make your payment to the amount you pay and when. You can determine the best car insurance payment option for you and we'll provide the details.

  • Does car insurance cover rental cars?

    Your auto insurance may provide coverage for rental cars. To find out, call GEICO to see if rental cars are covered by your current auto insurance policy.

    You can also call the credit card company you will be using to pay for the car rental. Some credit cards provide additional coverage, but make sure you understand the terms and conditions involved, including any limitations on the type and amount of coverage.

  • How can I help my teen prepare for driving?

    Learning to drive is exciting but comes with lots of questions, too. We can ease the worry by helping with driving basics.

  • Is there a GEICO local agent near me?

    We have many GEICO local agents across the country ready to help you with your insurance needs. Find one near you.

Car Insurance Articles and Resources

  • How to Shop for Car Insurance
  • Car Insurance Coverage for Rental Cars
  • Defensive Driving Safety Tips
  • Additional Auto Insurance FAQs

Additional Auto and Vehicle Insurance Options

  • Motorcycle Insurance
  • RV Insurance
  • Commercial Auto Insurance
  • Classic Car Insurance
  • Mexico Auto Insurance

*Reviews are from customers from December 2007 to May 2023.

**Customer satisfaction based on an independent study conducted by Alan Newman Research, 2022. GEICO is a registered service mark of Government Employees Insurance Company, Washington, DC 20076; a Berkshire Hathaway Inc. subsidiary. © 2023 GEICO

***Free Accident Forgiveness applies to qualifying drivers who have been accident-free for five years or more. It may not apply to drivers under 21 years of age.

(Video) Free Auto Insurance Quotes from Best Quotes - Cheap Car Insurance Quotes

Accident Forgiveness applies only to your first accident. Your insurance rate won't go up as a result of your first otherwise surchargeable, at-fault accident. Subsequent occurrences do not qualify for Accident Forgiveness. Accident Forgiveness eligibility is determined by your specific policy type, as well as your state laws and regulations. Terms vary according to state law.


Are quotes free for insurance? ›

Auto insurance quotes should be available for free, either online or over the phone.

What does it mean to get a quote on a car insurance? ›

A quote is an estimate of premium for the insurance coverage you selected and information you entered. A quote is not an offer for insurance or an insurance contract.

What are 4 factors of getting a quote in car insurance? ›

Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.

Does getting an insurance quote do anything? ›

An insurance quote will tell you how much a potential policy will likely cost. It also includes other pertinent information about the policy and the items being insured.

Is a quote always free? ›

A quote is an offer to do a job for an exact price. Once you accept a quote, the contractor can't charge you more than the agreed price unless you agree to extra work, or the scope of the job changes while it is underway.

Do you have to pay a quote? ›

Quotes are always legally binding and should only be used when you are certain of the costs involved. Never label a written estimate as a “quote” unless you can uphold the figure provided. It's crucial the customer always understands whether they are getting a written quote or estimate.

What is a free quote? ›

A free quote is when a company prepares a customized quote for a potential client free of charge. Tradespeople such as roofers and painters often provide free quotes.

What happens when you request a quote for a car? ›

Asking for a quote from a car dealer means you want the price of the vehicle reflecting all the costs — the “out-the-door price” reflecting shipping, incentives, taxes, fees and extras.

How many quotes should you get for insurance? ›

We recommend comparing at least five insurance quotes before making a decision. However, before you pick the policy with the lowest premium rate, there are several other factors you need to consider. The following tips will ensure your protection pays off in the long-run.

What makes car insurance high? ›

Common causes of overly expensive insurance rates include your age, driving record, credit history, coverage options, what car you drive and where you live. Anything that insurers can link to an increased likelihood that you will be in an accident and file a claim will result in higher car insurance premiums.

Does credit score affect insurance rate? ›

A higher credit score decreases your car insurance rate, often significantly, with almost every insurance company and in most states. Getting a quote, however, does not affect your credit.

What are 4 things that insurance companies evaluate before giving you a price quote? ›

What factors are most important for car insurance rates?
  • Age. Age is a very significant rating factor, especially for young drivers. ...
  • Driving history. This rating factor is straightforward. ...
  • Credit score. ...
  • Years of driving experience. ...
  • Location. ...
  • Gender. ...
  • Insurance history. ...
  • Annual mileage.

What not to say to insurance? ›

Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”

Do insurance companies run your credit for a quote? ›

It is true that insurance companies check your credit score when giving you a quote. However, what they're doing is called a 'soft pull' — a type of inquiry that won't affect your credit score. You'll be able to see these inquiries on your personal credit reports, but that's it.

Do insurance agents get paid for quotes? ›

Do I Have To Pay The Insurance Agent A Fee? Insurance Agents get paid a commission (percentage of your premium) from your insurance carrier. You do not pay insurance agents directly. Instead, every time you make a premium payment, the insurance carrier pays the set commission rate to the agent or agency.

How much quote is too much quote? ›

As a general guideline, quotes should take up no more than 5–10% of your paper. If in doubt, check with your instructor or supervisor how much quoting is appropriate in your field.

Does a quote have to be exact? ›

Note first that what is enclosed in quotes must be the exact words of the person being quoted. Anything which is not part of those exact words must be placed outside the quotes, even if, as in the last example, this means using two sets of quotes because the quotation has been interrupted.

Is a quote the actual price? ›

The main difference between a quotation and an estimate is that: a quotation is an agreed fixed price. an estimate is the approximate price that may change.

How do you say no to a price quote? ›

How to Politely Decline a Sales Offer
  1. Thank the Person.
  2. Deliver the News Directly.
  3. Explain Your Reasoning.
  4. Suggest Other Ways of Partnership (If Appropriate)
  5. Keep the Professional Tone of Voice.
  6. Don't Explain Rejection with Price.
  7. End Your Email Appropriately.
  8. Rejection with a Willingness to Receive Other Service Offers.
Dec 14, 2018

How much are you allowed to quote? ›

What is the amount and substantiality of the material used? The American Psychological Association allows authors to cite 400 words in single- text extracts, or 800 words in a series of text extracts, without permission (American Psychological Association, 2010).

How does getting a quote work? ›

Unlike an estimate, a quote is legally binding and provides a fixed price for a project subject to a specific time frame. Ever seen a quote that reads: “Valid for 30 days?” Sure you have. In many industries, companies will have these terms to protect themselves.

How can I make a quote online for free? ›

How to create a Quotation with our Online Quotation Maker
  1. Step 1: Enter Details. With Vyapar, you can add all the necessary details related to your business as-well-as your customer. ...
  2. Step 2: Preview. After entering all the details, you can see through the preview how your estimate/quote looks like. ...
  3. Step 3: Share/Download.

Why do I need a quote? ›

To reinforce your ideas: The main reason to quote material in your speech is to reinforce your words. A quotation offers a second voice that echoes your thoughts, beliefs, and claims. They said it better: Quotations provide a better way of saying things. They give you a more concise, memorable phrasing for an idea.

Why is a quote important in insurance? ›

An insurance quote is an offer from an insurance company to give you a certain policy for a certain price. Getting quotes is an essential part of shopping for insurance, since it lets you see how much you would pay and what you would get from any given insurer.

Do you need to own a car to get a quote? ›

Most major insurance companies offer car insurance quotes without a car, while others might refer you to nonstandard companies such as The General and Direct Insurance. Some of the companies you can contact include GEICO, State Farm, Farmers, Dairyland, Allstate, and Nationwide.

What are some good car quotes? ›

Captions for car enthusiasts
  • "What we drive says a lot about who we are"
  • "There are only two types of people that can drive cars: cowards and fools."
  • "My sole vice is fast automobiles."
  • "Cars have always interested me. ...
  • "I believed that cars were fundamental components of existence itself."
Feb 3, 2023

What is quick quote in insurance? ›

Quick Quote, is a seamlessly integrated service within loan origination systems to automate and expedite the Homeowner's Insurance “shopping” process.

What is a good amount of insurance to have? ›

Rule of thumb: Most financial planners recommend an amount 10-15x your current income. Life insurance rates are influenced by a number of factors, but your health has the biggest impact on the final cost.

How accurate are car insurance quotes? ›

Online car insurance quotes are reasonably accurate. However, it is important to keep in mind that an insurance quote is only as accurate as the information you provide. If you don't provide the right information your quote may be higher (or lower) than you think. Why do car insurance companies ask so many questions?

Why are insurance quotes only 6 months? ›

Six-month policies are more common than annual insurance policies, as they allow insurance companies to easily recalculate rates, factoring in routine price revisions and changes to your driving profile.

Which age group pays the most car insurance? ›

Teen and senior drivers typically pay the highest car insurance prices, while drivers in their 30s and 40s often pay the lowest rates. We built the table below using data supplied to us from Quadrant Information Services. Each profile combines data for both male and female drivers of each age group.

What is the most common car insurance excess? ›

As a general guide, standard excesses tend to range from around $200 up to $700, but could be higher or lower depending on your circumstances.

How can you avoid high car insurance premiums? ›

7 easy ways to help lower your car insurance premiums
  • Choose car safety and security features. ...
  • Set higher deductibles on your auto insurance. ...
  • Take a defensive driving course. ...
  • Park your car in a garage. ...
  • Compare auto insurance quotes. ...
  • Bundle insurance policies. ...
  • Get good grades.

What is a good credit score for car insurance? ›

What, then, is a good credit score to get a car insurance policy with competitive prices? A score in the “good” range — between 670 and 739, according to the FICO scoring model — is generally considered to be the baseline for competitive pricing.

What is a good credit score? ›

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

Does car insurance check your credit? ›

Do all auto insurance companies check your credit? Most insurers use credit checks to create a credit-based insurance score to help set your rate. Some insurers provide auto insurance with no credit check, which might seem appealing if you have a poor credit history.

What are the five 5 things to know before getting insurance? ›

The first 5 things you need to consider are:
  • Assess your insurance needs. ...
  • Compare insurance policies. ...
  • Choose a cover that you can afford. ...
  • Evaluate the future of your insurance policy. ...
  • Check the claim settlement history of the insurance company.

What are 3 things that can cause for insurance to increase in price? ›

Reasons for a rate increase
  • Comprehensive claims. Depending on your insurance company and the state where you live, your rate may increase for incidents out of your control. ...
  • Adding vehicles and drivers. ...
  • Claims in your area. ...
  • Moving. ...
  • Changes to your insurance score. ...
  • Age. ...
  • Lapse in insurance. ...
  • Loss of discounts.

What not to say after a fender bender? ›

Don't say “I'm sorry”

A simple “I'm sorry” can be used to show that you admitted guilt and responsibility for the accident. Even if you mean “I'm sorry you're late for work” or “I'm sorry you are hurt” – try to avoid using the words “I'm sorry”.

Is it bad to look for insurance quotes? ›

Insurance quotes do not affect credit scores. Even though insurance companies check your credit during the quote process, they use a type of inquiry called a soft pull that does not show up to lenders. You can get as many inquiries as you want without negative consequences to your credit score.

What raises and lowers your car insurance? ›

Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.

Does canceling insurance affect credit? ›

No, canceling your car insurance policy won't affect your credit score. Credit reports don't include information about when you purchase or cancel car insurance policies, which means there is no impact on your credit score.

Does good credit lower car payments? ›

Better credit means lower costs

Interest rates differ based on your credit score, so knowing what to expect on average can help you budget for your car. A target credit score of 661 or above should get you a new-car loan with an annual percentage rate of around 5.82% or better, or a used-car loan around 7.83% or lower.

How do insurance quotes work? ›

An insurance quote is the estimated cost of a policy based on the information you provide to the insurer and the coverage you select. You typically receive an insurance quote when you're shopping around for new coverage.

Which insurance company gives best commission? ›

Max Life has paid 6.5% of total premium or Rs. 1,236 crore to agents in FY 2021. Max Life and LIC are the highest commission paying life insurers in India as their commission outgo is in excess of 5.5% of their total premium income, shows LIC's draft IPO prospectus. Max Life pays the highest commission to agents.

How profitable is an insurance agent? ›

Overall, it depends on the types of insurance coverage that you offer. As of 2021 in the second quarter, life insurance companies had a profit margin around 4.1%. Insurance brokers had a profit margin around 8.7%. Accident and health insurance companies had a profit of around 5.5%.

Why do you need a quote for insurance? ›

Car insurance quotes provide a price estimate and information about the types of coverage the policy provides, the maximum amount the insurance company will pay for a covered event and how much you have to pay if you file a claim. You can get quotes online or directly from an agent.

Does it hurt to get insurance quotes? ›

But maybe you've heard the myth that getting an insurance quote will hurt your credit, leaving you hesitant to shop around for the right coverage. We've got some good news — no matter how many insurance quotes you get, your credit score is safe.

Why is insurance quoting me so high? ›

Auto accidents and traffic violations are common explanations for an insurance rate increasing, but there are other reasons why car insurance premiums go up including an address change, new vehicle, and claims in your zip code.

Are insurance quotes accurate? ›

However, it is important to keep in mind that an insurance quote is only as accurate as the information you provide. If you don't provide the right information your quote may be higher (or lower) than you think. Why do car insurance companies ask so many questions?

What is a quote fee? ›

What is a price quotation? A quotation is a fixed price offer that can't be changed once accepted by the customer. You must adhere to the quotation price even if you carry out more work than you expected.

What not to say when getting car insurance? ›

Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”

Can insurance go up after quote? ›

A car insurance rate, also known as a car insurance premium, comes after the quote. This is when auto insurance companies look at the information you provide and compare it to your Motor Vehicle Record (MVR) and other reports.


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