2021 Geico Car Insurance Review

Yes. Geico offers home insurance in all 50 states and Washington D.C. through a network of partners, including AIG, Liberty Mutual, National General and Travelers. Geico offers standard homeowners insurance as well as condo/co op insurance, renters insurance, mobile home insurance, landlord insurance and flood insurance. These policies provide coverage for damage caused by fire, severe weather, theft and other “perils,” as they're called in the insurance industry.

Most mortgage lenders require proof of homeowners insurance. However, you may need more home insurance coverage from Geico if you live in an area where floods, earthquakes or other natural disasters might occur.

Geico Home Insurance Coverage

• Damage to your home. This may include apartments, condos and manufactured homes as well as permanent structures on your property.
• Damage to personal belongings. This may include damage to furniture, clothing and electronics.
• Theft of jewelry. This includes stolen  not lost   jewelry worth roughly $500 $2,000.
• Personal liability exposure. This may include coverage for medical bills or legal fees in the event a visitor hurts themselves in your home or on a property you rent out.
• Additional costs you may incur due to a covered loss. This may include a temporary residence or rental car if your home is uninhabitable or your car is damaged due to a cause specified in your policy.

You can get a free homeowners insurance quote for your home, condo or apartment online or by phone at 1 800 841 2964.

To cancel a GEICO insurance policy, the policyholder must call GEICO to speak directly with a customer service agent. Customers cannot cancel their policies online or through the GEICO mobile app. You may cancel your GEICO insurance policy at any time. The cancellation can be made effective immediately or set for a future date. GEICO does not charge a cancellation fee.

There are a few easy steps to cancel your GEICO insurance policy by phone. First, get your GEICO policy number ready. Next, call GEICO at 1-800-841-1587. When you are prompted by the interactive voice response system, say “cancel insurance policy” and then “auto,” if you're cancelling your car insurance policy. Finally, you will be connected to a customer service agent, who will walk you through the cancellation process.

Before the cancellation is complete, you must pay off any remaining balance on your account. If you've already paid your entire premium for the policy period in full, GEICO will refund the unused portion.

Keep in mind that you do not have to cancel your policy just because you're going through some life changes. For example, if you've moved or replaced your current vehicle, GEICO can simply update the mailing address or vehicle information on your policy. GEICO also allows military members to suspend their policy temporarily if their vehicle will be left unused and in storage for more than 30 days.

On the other hand, if you wish to cancel because you're switching to another auto insurance carrier, be sure to obtain a new policy before canceling your current one. This helps to prevent a lapse in coverage, which could potentially lead to higher premiums down the road.

No, Geico does not offer gap insurance. Unlike seven of the top 10 car insurance companies, Geico does not sell gap insurance, a specialty type of coverage that pays for the difference between a totaled car's value and the driver's loan or lease balance.

You have several options if you're a current Geico customer and are looking for gap insurance. You could switch insurers and purchase a policy from a company that does offer gap insurance (or loan/lease payoff coverage, which is similar), like Nationwide or Progressive. You could also maintain your policy with Geico and purchase gap insurance from a dealership or a stand-alone company. However, it's worth noting that dealership gap insurance is often the most expensive option, since it's usually rolled into your loan and charged interest.

For more information, check out WalletHub's complete guide to gap insurance.

GEICO RV insurance includes liability, collision and comprehensive coverage, similar to GEICO car insurance. However, an RV is really a combination of a vehicle and a home. That's why GEICO also offers an enhanced coverage policy for property losses and special problems RV owners can face on the road. Enhanced RV coverage is currently available in all states except Hawaii, Massachusetts, Michigan, and North Carolina.

GEICO Enhanced RV Policy Coverage

• Total loss replacement provides a new, similar RV if your RV is totaled and is less than 4 years old. If your RV is older, you'll receive the original price or actual cash value at the time of loss.
• Replacement cost for personal effects covers items inside your RV, including valuables you take with you and major equipment such as refrigerators or generators.
• Vacation liability covers injuries or property damage that happens to you or others at your RV vacation site.
• Emergency expense coverage pays for hotels and transportation when something happens to your RV.
• RV medical payments coverage pays for medical treatment after an accident, no matter who was at fault.

GEICO's basic and enhanced RV insurance policies cover large motorhomes, van campers, and mini motor homes, as well as all types of towable travel trailers.

Premiums vary significantly based on an RV owner's state of residence and the size, age and value of the RV. GEICO, as well as other insurers, also factors in frequency of use, the value of an RV's contents, and the owner's driving record.

You can get an RV insurance quote from GEICO's website. You also can call GEICO RV insurance specialists at 1-877-GEICO-RV (434-2678).

GEICO's umbrella insurance policy will cover claims that are beyond the financial limits or scope of your existing policies. It can add up to $1 million in additional liability coverage to car, boat, homeowners or professional insurance policies. The average cost of a $1 million policy is less than $300 per year. If you can take advantage of GEICO's multi-policy discount, or other discounts that you might be eligible for, you could bring the annual cost down to $100 or less.

The GEICO umbrella policy's additional liability coverage can protect you from a serious financial hit. If you injure someone or damage their property, your liability insurance pays the claim up to the limit written in your policy. But if the loss exceeds the limit and you don't have umbrella coverage, you'll have to pay the rest yourself. For example, if someone gets hurt falling down your porch steps and wins a claim against you for $800,000, and your homeowners liability limit is $300,000, you may have to pay $500,000 out of your pocket. If you have GEICO umbrella insurance, however, the policy would cover the difference.

GEICO's umbrella insurance also covers your defense costs in case of a lawsuit and pays for many kinds of damages other policies don't. Examples include mental anguish, injuries caused by a pet, libel, injuries on a rental property, or even false arrest by a police officer.

GEICO umbrella insurance offers generous coverage at a relatively low cost. You can get a personalized quote at (866) 272-5192 or on the GEICO website.

Geico military discounts give savings up to 15% off overall insurance premiums to eligible active duty customers, veterans, and their immediate family members. To apply for a Geico military discount, call 1-800-MILITARY (645-4827). You will be connected to Geico's dedicated military customer service team, who will help determine which discounts may be available to you.

Types of Geico Military Discounts

• Military Discount

Up to 15% in savings on insurance premiums for active duty members, veterans, the National Guard, Army Reserve, or immediate military family members.

• Emergency Deployment Discount

Up to 25% savings on premiums for military members who are deployed to certain “imminent danger pay” zones.

• Membership Discounts

Available to members of professional military organizations and associations, including the Association of the United States Army, the Fleet Reserve Association, and the Armed Forces Benefit Association.

• Auto Insurance Suspension

A pause or reduction of insurance coverage on vehicles stored on a military base while a customer is deployed.

In most states, Geico's overall military insurance premiums are comparable to those of USAA, an insurance company that caters to the U.S. military. However, Geico tends to be less expensive for veterans and those not deployed, while USAA offers better deals to active military, especially members on deployment.

For example, Geico's emergency deployment discount of 25% applies only on deployments to imminent danger zones. USAA's deployment rates apply anywhere overseas. It's a good idea to get a quote from each to determine which may be best for you.

Yes, Geico does offer free towing for customers who have the company's roadside assistance coverage. Geico roadside assistance generally costs $14 per vehicle per year and includes towing services to the nearest repair facility. Geico customers can request roadside assistance online, or they can call 1 (800) 424-3426.

Geico Roadside Assistance Covers:

• Towing services to the nearest repair facility
• Battery jump starts
• Tire changes
• Up to one hour of lockout services
• Winching
• Fuel delivery

While Geico's roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

Yes, Geico offers accident forgiveness in 47 states and the District of Columbia, with the exceptions being California, Connecticut, and Massachusetts. Geico accident forgiveness protects you from increases to your car insurance premium after your first at-fault accident. The accident forgiveness feature may only be used once. How much your premium would rise without accident forgiveness depends on your state, driving record and claim payment amount. The increase could range from 2% to 50%, or even more for a bodily injury claim.

There are two ways to get Geico accident forgiveness. The first is to earn it as a free upgrade to your Geico car insurance policy. Policyholders who are 21 years of age or older can earn the upgrade by being accident-free for at least five years.

The second way to get Geico accident forgiveness is to purchase accident forgiveness as a supplemental coverage option. To purchase this protection, policyholders must meet minimum driving-record requirements. However, Geico does not specify what these minimum requirements are on its website, as the rules and coverage terms vary by state.

Completing a GEICO defensive driving course qualifies drivers for a discount of up to 5% or 10% on their GEICO car insurance premium. GEICO-approved online defensive driving courses cost $14.95 to $24.95, depending on the provider and your state of residence.

In general, GEICO defensive driving courses improve students' driving skills by teaching them how to react effectively in hazardous situations. Main topics include how to drive in bad weather and on wet or icy roads, how to correct course if you lose control, how to veer off the roadway safely, and how to react if something crosses into your lane suddenly. Courses also cover the dangers of road rage, speeding, aggressive driving and driving under the influence.

GEICO's defensive-driving course discount is available in most (but not all) states, and rules and qualifications vary. GEICO has a convenient directory to help you learn more about the defensive driving requirements in your state.

Sample GEICO Defensive Driving Discounts by State

• California – up to 5%
• Texas – up to 10%
• Florida – up to 10%
• New York – up to 10%
• Illinois – up to 10%
• Pennsylvania – up to 10%
• Michigan – no discount
• Georgia – up to 10%
• North Carolina – no discount
• New Jersey – up to 5%

If you already have a course in mind, check with GEICO to see if that course will qualify you for the discount. You can also find an approved GEICO defensive driving course, and learn how to sign up, through the National Safety Council or the American Safety Council. Many states offer the option of taking the course online rather than in a classroom.

GEICO does not offer health insurance, although 7 of the 10 largest car insurance companies do. The closest thing to health insurance that GEICO offers is pet insurance— health insurance for your pet.

Although GEICO does not sell health insurance, it offers a wide variety of other insurance products.

GEICO's vehicle insurance offerings cover cars, commercial vehicles, motorcycles, ATVs, RVs, boats, and collector cars. GEICO also offers rideshare insurance and Mexico auto insurance.

In addition, GEICO protects residential property through insurance for homeowners, renters, people who live in condos and mobile homes, and landlords. There's also separate flood insurance. Plus, GEICO covers businesses by offering insurance for general liability, professional liability, business owners, and workers' compensation.

Finally, GEICO sells additional types of insurance products—such as umbrella, life, travel, identity protection, pet, and jewelry insurance—through various partner companies.

But no, there is no GEICO health insurance.