Auto Insurance With GEICO
Call or contact us today for a free car insurance quote from GEICO insurance company and save money on your policy in Miami and South Florida.
We’ll find the best combination of price, coverage and options to offer you affordable home insurance that will fit your budget. We'll apply every possible discount, guide you through securing those discounts, and help you determine the right amount of coverage.
To protect your car, it's important to have the best car insurance coverage. An affordable auto insurance premium is very important, but having a good insurance company that will pay your claims is very important too.
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Car Insurance
GEICO has specialized in delivering affordable auto insurance to millions for 85+ years. From liability to comprehensive car insurance, GEICO offers a wide selection of coverage options tailored to your needs and budget.
Car Insurance Savings
Car Insurance Discounts
You may be able to get car insurance discounts for features that are standard on newer cars like having air bags and anti-lock brakes.
More Ways to Save on Car Insurance
GEICO has several discount opportunities for car insurance including savings for good students with a grade average B+, federal employees, or safe drivers.
Personalized Auto Coverage
Personalize your car insurance with the coverage you need.
GEICO makes it easy to customize your car insurance to fit your needs
Required auto insurance coverages.
Required car insurance coverages vary by state. They often pay for damages or injuries to other people and/or their property caused by an accident for which you're found at fault. They may also include protection for injuries you sustain in an accident.
Additional car insurance coverages.
Although these coverages may not be required, they can provide you with an extra layer of protection for your vehicle. Additionally, this coverage extends beyond just vehicle damage. These types of auto insurance coverages normally take care of damages and/or insurance to you and your property.
Vehicle coverages.
Vehicle-specific coverages protect your car from costly repairs or replacements caused by accidents or unexpected incidents. Comprehensive and collision are two popular options that provide valuable financial support if your vehicle is damaged in an accident or natural disaster or from theft or vandalism.
Get a Car Insurance Quote
What do I need to get a car insurance quote?
To get your free, personalized car insurance quote faster, make sure to have this information handy:
- A valid driver's license
- Your vehicle identification number (VIN)
- The physical address where your vehicle is stored
During your car insurance 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 you find all the savings you may qualify for.
- Then, you'll get your personalized rate. From there you can purchase directly with us on the phone. It's that easy.
How to compare car insurance quotes.
To best compare car insurance quotes from different providers, ensure you select the same:
- Coverages: Although some are required, make sure you pick the same coverages for each quote.
- Policy limits: There are minimum amounts, but using our coverage calculator may help you determine the amount that you may want.
- Deductible amounts: 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.
This approach will provide you with a comprehensive view of each insurer's offerings. Start your comparison by getting a free car insurance quote from GEICO.
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 for others if you're involved in an accident. All it takes is a few minutes to get a personalized car insurance quote with great rates, discounts, and options available to you.
Personalize your car insurance with the coverage 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 personalize your car insurance.
Required auto insurance coverages.
These often pay for damages or injuries to other people and/or their property caused by an accident for which you're found at fault. They may also assist with medical expenses incurred by you or your passengers.
Most states require specific coverages and limits that provide a minimum level of protection. While the coverages required vary by state, they may include:
- Bodily injury coverage
- Property damage coverage
- Uninsured motorist coverage
- Personal Injury Protection or Medical Payments Protection
The amount of protection for these coverages can be increased above state minimums.
Vehicle Coverages.
Vehicle-specific coverages protect your car from costly repairs or replacements caused by accidents or unexpected incidents. Comprehensive and collision are two popular coverage options that provide valuable financial support if your vehicle is damaged in an accident or natural disaster or from theft or vandalism.
If you're financing or leasing your car, your lender may require these coverages. Even if not required, they can offer peace of mind and help cover high repair costs if the unexpected happens.
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 and your property.
In general, here are some auto insurance optional coverages:
A few things to think about when choosing additional coverage include: 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 car insurance coverage you need.
We get it. Car insurance isn't the easiest thing. We're here to help answer any questions you may have, such as:
- How much bodily injury coverage should I carry?
- How much property damage coverage should I have?
- How much should my deductible be?
Why you should choose GEICO for your auto insurance.
- $700+ average annual savings as reported by new policyholders*
- Car insurance discounts personalized for you
- 85 years of experience in insurance
- Taking your feedback seriously
- Working hard every day to improve car insurance for you
It's one of the ways we're working to make car insurance simple, quick, and easy.
Convenient Claims and Repairs
Accidents can be stressful. We work to make your car insurance easy.
- 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.
- Jump starts
- Labor to change a flat tire
- Towing (non-accident related), and more
Auto Insurance: Get the answers you're looking for.
What factors influence the cost of car insurance?
Car insurance rates can be influenced by many factors, including:
- Your age, gender, and driving history
- Where you live
- Vehicle usage
- Your car's year, make, model, and safety features
- Coverage amount
- And more
What is typically not covered by personal car insurance?
Although personal car insurance provides essential financial protection, it doesn't cover everything. What isn't covered varies by policy and insurer, but car insurance policies typically don't cover:
- Routine maintenance
- Wear and tear
- Personal items inside your vehicle
- Ride-sharing and commercial usage
- General mechanical breakdowns
- Injuries to pets
Do you offer Claim Forgiveness?
Yes, we offer Claim Forgiveness (not available in CA, CT, and MA) to help keep your insurance rates affordable. In most states GEICO Claim Forgiveness*** can be earned or purchased. In other words, if eligible you may be able to get Claim 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, including various payment methods and installment plans.
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 do I get coverage for my teen driver?
To get coverage for your teen driver, you can add them to your existing car insurance policy. Keep in mind that teen drivers typically have higher car insurance rates because they're deemed higher risk.
