We need a few pieces of information to tailor your auto insurance coverage suggestions. Answer these 7 quick questions about yourself so we can provide the most accurate recommendation. Your responses will help you get the right level of protection for a great price.
Learn more about factors that impact your car insurance coverage needs.
The GEICO Coverage Calculator is an educational tool to help you learn about insurance coverage and the various factors you may want to consider when selecting your limits and deductibles. The information provided is not intended to recommend specific insurance coverage, as it is up to you to evaluate and choose the coverage and limits that most accurately protect you and your property. The coverage options displayed in the Coverage Calculator are general in nature and may not be available in all states or in all situations. Please also note that this tool does not present every coverage option available for each state and situation. GEICO does not warrant the suitability of any coverage amounts that you select.
*Dependents include stay-at home spouses, adult children, and elderly parents thatlive in your household and rely on you for support.
Car Insurance Coverage Factors to Consider
Understanding the coverages you need can be difficult, but GEICO has you covered! Learn the many factors to consider when selecting the best auto coverage for you and your family.
Life Events
Things that can greatly impact your auto insurance coverage needs include:
- Life events like a change in marital status or moving.
- Relocating to another state.
- Owning a home (might necessitate higher limits for enhanced protection).
Our car insurance calculator factors in life changes such as marital status and homeownership to provide customized cost estimates and coverage suggestions.
Coverage
You can customize the amount of coverage you buy for your situation. You'll need to consider if you want the lowest amount of coverage your situation allows. Will your coverage provide the protection that fits your needs? Or do you prefer a higher level of coverage to provide you with peace of mind in the event of an accident?
Vehicle Ownership
Is your vehicle financed or leased? This may impact the car insurance coverage you are required to have. The value of your vehicle may determine if you want to carry certain optional coverages as well. Our car insurance calculator takes these things into account when estimating your coverage needs.
Time Spent Driving
The amount of time you spend on the road matters when determining how much coverage you may want to carry. More time driving can increase your risk of being in an accident, so you may want to carry more coverage. Our car insurance calculator takes this into account when estimating your coverage.
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What information do I need to shop for auto insurance?
Having the right information in hand can make it easier to get an accurate car insurance quote. You'll want to have:
- Your driver's license number
- Your vehicle's make and model
- Your vehicle identification number (VIN)
- The physical address where your vehicle will be stored
Get an auto insurance quote.
What car insurance discounts can I get?
There are different kinds of discounts or premium reductions you may be eligible for. Some car insurance discounts are based on the safety features on your vehicle or your driving habits. There are also potential discounts based on membership in an organization or defensive driving courses you have taken. Other discounts may be available if you bundle different types of insurance—like homeowners and car insurance—together.
How are car insurance premiums calculated?
Car insurance premiums hinge on various factors like age, gender, location, driving record, coverage options, vehicle usage, and more. The make and model of your car can also impact rates for physical damage coverage. Learn more about determining car insurance rates.
How do I compare auto insurance quotes?
It's important that you make sure you're comparing car insurance quotes with the same information. This includes:
- Driver information
- Vehicle type and location
- Coverages, limits and deductibles
What do car insurance coverages do for me?
You can learn more about all the different types of car insurance coverages. This information will help you decide how to best customize your auto insurance policy.
Does my state have any specific requirements for car insurance?
Look up your home state to find out about state specific required auto insurance coverages.
