GEICO Full Coverage Auto Insurance
GEICO’s full-coverage auto insurance bundles liability, collision, comprehensive, uninsured motorist, and several handy add-ons into one streamlined policy. Instead of juggling multiple endorsements, you get a single, cohesive shield that travels with you every time you pull out of the driveway. From fender-benders in a crowded parking lot to hailstorms that strike overnight, the plan is designed to absorb costs that would otherwise eat into your savings—repairs, medical bills, even legal fees. Because every driver and vehicle is different, GEICO lets you mix and match options on the spot, ensuring a young commuter’s compact, a growing family’s SUV, and a weekend sports car all ride under coverage that truly makes sense.
What Does Full Coverage Include?
A full-coverage package pays for both sides of an accident: it covers injuries or damage you cause and repairs or replaces your own vehicle after covered events. GEICO lets you fine-tune liability limits, set collision and comprehensive deductibles, and bolt on extras such as emergency roadside help. By calibrating each layer, you can craft protection that lines up with your budget, driving habits, and the current market value of your car.
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Full Coverage Components
A solid policy is more than one big line-item—it’s a mosaic of individual coverages working together. Here’s how each piece fits and why you may want to keep, drop, or raise limits as your circumstances change.
Liability Coverage
Liability pays for the other driver’s injuries and property damage when you’re at fault. Without it, you could be sued personally for medical bills, car repairs, or lost wages—expenses that easily climb into five figures. State minimums can be surprisingly low, so savvy drivers boost limits to safeguard their savings and future income.
GEICO lets you raise bodily-injury and property-damage limits in small increments, often for just a few extra dollars per month. That small bump can make the difference between a minor hiccup and a financial nightmare after a serious crash.
Collision Coverage
Collision repairs or replaces your vehicle after a crash, even if you hit a pole or flip the car on an icy road. Because repair costs for newer models can run higher than many people’s emergency funds, collision keeps you from draining savings or taking out high-interest loans.
Deductibles usually range from $250 to $1,000; choosing a higher deductible lowers premiums but means writing a bigger check if you wreck. GEICO’s quote tool lets you preview rates in real time, so you can strike the right balance.
Comprehensive Coverage
Comprehensive kicks in for non-crash incidents—think theft, vandalism, fire, flood, hail, falling trees, or that runaway shopping cart in the lot. It also covers windshield cracks and animal collisions, making it an all-purpose safety net whenever your vehicle isn’t in motion.
Because weather and theft risks don’t fade much with age, many owners keep comprehensive long after their car’s value drops below the original purchase price. Replacing a windshield or repainting hail dents often costs more than a year’s worth of premiums.
Uninsured / Underinsured Motorist
Roughly one in eight U.S. drivers has no insurance at all, and many more carry only bare-bones limits. Uninsured and underinsured motorist (UM/UIM) coverage steps up for your medical bills, lost wages, and sometimes property damage if that under-protected driver hits you.
In states with high uninsured-driver rates, UM/UIM is almost non-negotiable. GEICO lets you match these limits to your liability coverage, ensuring your family is equally protected whether you cause the crash or suffer because someone else skipped proper insurance.
Medical Payments (MedPay)
MedPay covers immediate medical costs for you and your passengers—ambulance rides, ER visits, X-rays—regardless of fault. Unlike health insurance, it has no deductibles or network restrictions, so claims get paid quickly.
Because limits are modest (often $1,000–$10,000), MedPay works best as a cushion against out-of-pocket surprises. It pairs especially well with high-deductible health plans, closing the gap before your primary coverage kicks in.
Is Full Coverage Worth It?
If your car is new, financed, or still worth more than a few thousand dollars, full coverage is almost always the smart call. A single collision can wipe out years of loan payments or shave thousands off your trade-in value—far more than the annual premium difference between liability-only and full coverage.
You can save more by bundling your auto policy with GEICO’s multi-policy discount, combining all your coverages into one affordable package.
Customize Your Policy
Life changes—so should your insurance. Use GEICO’s mobile app or online portal to raise deductibles as your emergency fund grows, add rental reimbursement before a summer road trip, or drop collision once your vehicle’s value dips below your chosen threshold.
Ready to fine-tune your protection? Enter your ZIP code above to see live rates, tweak coverages in seconds, and lock in the full-coverage policy that fits your life and budget today.