GEICO doesn’t publish one price for full coverage, because “full coverage” is shorthand for a bundle of coverages, not a single, standardized policy. What you pay depends on your state, the limits and deductible you pick, your vehicle, and your own driving record.
There’s no way around getting a real quote for your own numbers, but you can still see what moves the price. Below is what “full coverage” actually includes, what determines your GEICO quote, two national benchmarks for context, and a labeled example showing how a deductible choice changes the bill.
Key Takeaways
- “Full coverage” usually means liability plus comprehensive and collision, but GEICO says there’s no standard definition. Your actual coverage depends on your state, insurer, limits, endorsements and policy.
- GEICO doesn’t publish an average or starting price for full coverage. Your own quote, built from your rating factors and choices, is the only number that applies to you.
- National benchmarks like $2,098 a year (AAA, full-coverage drivers) or $1,281.60 (NAIC, all coverage types combined) describe the broad market, not a GEICO price or your price.
- Raising your deductible usually lowers your premium but raises what you pay out of pocket after a claim. Compare that trade-off instead of chasing the lowest monthly number alone.
What Full Coverage Actually Means
GEICO’s own explanation of the term is direct: “there’s no standard definition of ‘full coverage.'” People typically use it to mean comprehensive and collision coverage stacked on top of whatever liability your state requires. For what the term usually covers with GEICO, see what GEICO full coverage covers.
Because the term is shorthand, not a policy type, your premium depends on “the types of coverages, limits, discounts, and deductibles you choose,” according to GEICO. If you’re unsure what your state actually requires versus what’s optional, start with the difference between full coverage and minimum coverage.
The baseline liability coverage most states require is its own separate question from full coverage. See what minimum liability coverage usually includes before deciding how much more protection to add on top.
What Actually Determines Your GEICO Price
GEICO’s guide to how it determines premiums lists the factors it weighs: your age and driving experience, your driving record, your vehicle’s type and repair cost, your ZIP code, and how much you drive. In states that allow it, GEICO says insurers “may use your credit-based insurance score as part of the risk assessment,” so this one doesn’t apply everywhere.
Your driving record carries real weight too. GEICO says accidents, speeding tickets and DUI convictions typically raise your premium, and a past accident can affect your rate for years; see how long an accident stays on your GEICO record.
Vehicle type, ZIP code and mileage layer on top of that. Newer or higher-value cars typically cost more to insure, a denser ZIP code with more traffic or theft can raise the price, and a long commute adds exposure. See how much GEICO car insurance costs for how these combine in practice.
How Your Deductible and Limits Change the Price
Coverage choices move your bill as much as who you are. GEICO’s guidance is direct: raising your deductible “can lower your monthly premium, but you’ll pay more out of pocket if you need to file a claim.” Higher liability limits and optional protections add to the total as well.
| Coverage Choice | What It Typically Does to Your Price |
|---|---|
| Higher deductible | Lowers the premium; raises what you pay out of pocket if you file a claim |
| Higher liability limits | Raises the premium; adds protection if you cause a serious accident |
| Added protections (roadside, rental) | Raises the total; each is priced and can be added or dropped separately |
| Discounts you qualify for | Lowers the total without changing your coverage |
A Hypothetical Example of the Trade-Off
Hypothetical example: Suppose GEICO quotes a full-coverage policy at $900 for six months with a $500 deductible, or $780 for the same coverage with a $1,000 deductible. The higher deductible saves $120 over six months up front, but if you file a collision or comprehensive claim, you’d pay $500 more out of pocket before coverage applies. These numbers are illustrations only, not a GEICO quote or an estimate of what you would actually pay.
National Benchmarks for Context
Two figures are useful for context, though neither is a GEICO price. The National Association of Insurance Commissioners’ latest data puts the countrywide average combined auto insurance expenditure, across all coverage types and insurers, at $1,281.60 for 2023, up 19.21% since 2019.
AAA’s Your Driving Costs study puts full-coverage insurance specifically at an average of $2,098 a year, based on a driver under 65 with more than six years of experience, no accidents, in a suburban or urban area. AAA notes actual costs “will vary based on driving habits, location, operating conditions and other factors,” which is exactly why your own quote can land well above or below either figure.
How to Get an Accurate GEICO Price
GEICO says getting a quote just takes contacting an agent or filling out an application on its website or app, with details about your vehicle, driving history and personal information ready. Coverage can be built to fit your budget, including the liability limits you choose.
Ask specifically about discounts, and price the same deductible and limits every time you compare. If you want to see how GEICO’s number stacks up, compare car insurance quotes using identical coverage so you’re looking at a fair comparison, not just the lowest number on the page.