Geico Auto And Home Insurance In Arizona: What You Need To Know

GEICO offers auto and home insurance in Arizona. The company provides auto insurance for drivers in Phoenix, the state's capital, and across the state. GEICO also offers insurance for homes, mobile homes, and manufactured homes. In addition, GEICO provides insurance for motorcycles, RVs, ATVs, and more.

GEICO's insurance coverage in Arizona

GEICO offers a range of insurance products in Arizona, including auto, home, mobile home, motorcycle, RV, ATV, and more.

Auto Insurance in Arizona

GEICO offers auto insurance in Arizona, providing coverage for damages or injuries to other people and/or their property caused by an accident where the policyholder is at fault. The state of Arizona requires auto insurance coverage on every motor vehicle driven within the state, and GEICO works to offer great rates in the state, especially in the Greater Phoenix area, which is known for its busy and dangerous roads.

In Arizona, GEICO offers the following minimum coverage levels:

• Bodily injury liability coverage: Minimum $25,000 per person / $50,000 per accident
• Property damage liability coverage: Minimum $15,000
• Uninsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident
• Underinsured motorist bodily injury coverage: Minimum $25,000 per person / $50,000 per accident

Home Insurance in Arizona

GEICO also offers home insurance in Arizona, providing coverage for the physical structure of the home and personal belongings. This includes coverage for damage caused by incidents like water damage (excluding floods).

Mobile Home Insurance in Arizona

GEICO provides mobile home insurance in Arizona, which functions similarly to traditional homeowners' insurance. This type of insurance covers the physical structure of the home and personal belongings, whether the home is occupied full-time or seasonally.

Other Insurance Offerings in Arizona

In addition to auto and home insurance, GEICO offers a range of other insurance products in Arizona. This includes motorcycle, RV, and ATV insurance, as well as additional insurance options like life, umbrella, travel, and pet insurance. GEICO also offers discounts for military personnel, federal personnel, and members of various organizations.

Discounts for military and federal personnel

GEICO offers auto and home insurance in Arizona. The Grand Canyon State is home to one of the seven natural wonders of the world, and GEICO insurance agents in Arizona provide extraordinary service and exceptionally affordable insurance for your car, motorcycle, RV, ATV, home, and more.

GEICO offers discounts for military and federal personnel. GEICO has proudly served the military for over 85 years and is committed to supporting current and former military members. The GEICO Military Centre is dedicated to sales and services for military policies and is staffed with veterans from all services.

If you are on active duty, retired from the military, or a member of the National Guard or Reserves, you may be eligible for a discount of up to 15% on your total insurance premium. GEICO also offers Emergency Deployment Discounts to military members when they deploy into imminent danger pay areas designated by the Department of Defense (DOD) and approved by Congress. To qualify for this discount, you must have received orders to one of the DOD-designated areas, and your vehicle must be stored under one of the approved storage protection plans. Some geographic limitations apply, and some military operations are excluded.

GEICO also offers military car insurance discounts to members of professional associations and organizations, including the Navy League of the United States and the U.S. Naval Institute. The discount amount varies by state, and one group discount is applicable per policy.

For more information on GEICO's military and federal discounts, you can contact GEICO at 800-MILITARY (645-4827) or visit their website.

Car insurance discounts

GEICO offers auto insurance in Arizona. The state of Arizona requires auto insurance coverage on every motor vehicle driven within the state, and GEICO can provide this.

GEICO also offers a range of car insurance discounts and premium reductions. These include:

• Multi-vehicle discounts of up to 25% on most car insurance coverages.
• Multi-policy discounts when you insure your car and have a homeowners, renters, condo, or mobile home policy.
• Good driver discounts of up to 22% on most coverages if you've been accident-free for 5 years.
• Seat belt use discount on the medical payments or personal injury protection portion of your premium.
• Driver's education discounts if a young driver in your family has completed a course.
• Good student discounts of up to 15% for full-time students with good academic records.
• Federal employee discounts (Eagle Discount) of up to 12% on the total premium for active or retired federal employees.
• Membership and employee discounts for those belonging to one of the 500+ listed groups.
• Anti-lock brake discounts of 5% on certain car insurance coverages.
• Anti-theft system discounts of up to 23% on the comprehensive portion of your premium.
• New vehicle discounts of up to 15% on certain car insurance coverages for vehicles 3 model years old or newer.
• Defensive driving discounts if you've completed a course.
• Emergency deployment discounts of up to 25% for United States Military policyholders who are part of an emergency deployment to an imminent danger zone.
• Military discounts of up to 15% on certain car insurance coverages for active duty, retired, National Guard, or Reserve members.
• Discounts for those over 50 years old.

The state of Arizona's insurance requirements

Arizona requires that every motor vehicle operated on roads in the state be covered by liability insurance through a company authorized to do business in Arizona. This includes golf carts, motorcycles, and mopeds. The state also requires drivers to have car insurance that meets or exceeds certain minimum coverage levels. These include bodily injury liability coverage, property damage liability coverage, uninsured motorist bodily injury coverage, and underinsured motorist bodily injury coverage.

The minimum coverage limits in Arizona are $25,000 for one person sustaining bodily injury or death in an accident, $50,000 for two or more persons sustaining bodily injury or death in an accident, and $15,000 for damage to others' property. If you don't have car insurance in Arizona, the state may suspend your driver's license or vehicle registration.

While Arizona does not require homeowners insurance, it is often necessary to obtain a mortgage. Home insurance is a form of property insurance that covers losses and damages to an individual's residence, furnishings, and other assets in the home. It also provides protection against liability for accidents that injure other people or damage their property.

In Arizona, common causes of homeowners insurance claims include wildfires, water damage, and flooding. While most standard home insurance policies do not cover earthquake or flood damage, many companies offer these as additional endorsements or standalone policies. It is important to note that if you mortgage a home with a government-backed loan in a high-risk flood area, federal law mandates that you carry flood insurance.

GEICO's mobile home insurance

GEICO offers mobile home insurance to protect your home, adjacent structures, and personal property. This insurance covers mobile and manufactured homes, which are essentially the same thing, but a manufactured home is the term used by the government for homes built after June 15, 1976.

To obtain a free quote for GEICO's mobile home insurance, you can use their online checklist or call (800) 841-3005.

Frequently asked questions