Geico Mechanical Breakdown Insurance: Everything You Need to Know

When your car breaks down unexpectedly, it can be a frustrating and costly experience. Fortunately, Geico offers a mechanical breakdown insurance policy to help protect you from expensive repairs. In this article, we’ll explore everything you need to know about Geico mechanical breakdown insurance, including what it covers, how it works, and how much it costs.

What is Geico Mechanical Breakdown Insurance?

Geico mechanical breakdown insurance is a type of coverage that pays for unexpected repairs to your vehicle. This includes mechanical and electrical breakdowns, as well as other items not covered by your standard auto insurance policy. With this coverage, you can rest easy knowing that you’re protected against costly repair bills.

Geico’s mechanical breakdown insurance policy is available for both new and used cars, and it is typically purchased as an add-on to your existing auto insurance policy. The coverage can be customized to fit your specific needs, and it includes a wide range of benefits that can help you maintain your vehicle in top condition.

What Does Geico Mechanical Breakdown Insurance Cover?

Geico mechanical breakdown insurance covers a wide range of repairs and services for your vehicle, including:

Covers repairs to the engine and all of its parts, including the fuel injection system, cooling system, and more.
Covers repairs to the transmission and all of its parts, including the gearbox, clutch, and more.
Drive Axles
Covers repairs to the drive axles, including the shafts, boots, and U-joints.
Covers repairs to the steering system, including the power steering pump, rack and pinion, and more.
Covers repairs to the electrical system, including the alternator, starter, battery, and more.
Air Conditioning and Heating
Covers repairs to the air conditioning and heating system, including the compressor, condenser, evaporator, and more.
High-Tech Systems
Covers repairs to high-tech systems, including the GPS, navigation, and entertainment systems.

Please note that this is not an exhaustive list of coverage options. Your policy may include additional benefits, depending on your specific needs and preferences.

How Does Geico Mechanical Breakdown Insurance Work?

Geico mechanical breakdown insurance works like any other insurance policy. If your vehicle experiences a mechanical or electrical breakdown that is covered by your policy, you can file a claim with Geico and receive reimbursement for the cost of repairs.

When you purchase a Geico mechanical breakdown insurance policy, you will have to choose a deductible. This is the amount of money that you are responsible for paying out of pocket before your insurance coverage kicks in. Typically, the higher your deductible, the lower your monthly premium will be.

If your vehicle experiences a covered breakdown, you will need to take it to a licensed repair shop. Geico will work directly with the repair shop to approve and pay for the repairs, so you don’t have to worry about negotiating with the shop yourself.

How Much Does Geico Mechanical Breakdown Insurance Cost?

The cost of Geico mechanical breakdown insurance depends on a variety of factors, including the make and model of your vehicle, your driving history, and the level of coverage you choose. On average, Geico mechanical breakdown insurance costs around $50 to $100 per year, but your actual cost may be higher or lower depending on your individual circumstances.

In general, it’s a good idea to shop around and compare quotes from multiple insurance providers before purchasing a mechanical breakdown insurance policy. This can help you find the best coverage at the most affordable price.


1. Is Geico mechanical breakdown insurance worth it?

If you’re concerned about the cost of unexpected repairs to your vehicle, Geico mechanical breakdown insurance can be a worthwhile investment. This coverage can help protect you from costly repair bills and give you peace of mind while you’re on the road.

2. How does Geico mechanical breakdown insurance compare to an extended warranty?

While Geico mechanical breakdown insurance is similar to an extended warranty, there are some key differences. For one, Geico’s coverage is typically more flexible and customizable than an extended warranty. Additionally, Geico mechanical breakdown insurance can be purchased at any time, while extended warranties are typically only available at the time of purchase.

3. Do I need Geico mechanical breakdown insurance if I already have a manufacturer’s warranty?

While a manufacturer’s warranty may cover your vehicle for a certain period of time, it may not cover all of the mechanical or electrical breakdowns that can occur. Geico mechanical breakdown insurance can provide additional coverage and peace of mind, even if you already have a manufacturer’s warranty.

4. Can I cancel Geico mechanical breakdown insurance at any time?

Yes, you can cancel your Geico mechanical breakdown insurance policy at any time. However, if you cancel your policy before the end of the coverage period, you may be subject to a cancellation fee.

5. How do I file a claim with Geico mechanical breakdown insurance?

To file a claim with Geico mechanical breakdown insurance, simply call the claims hotline listed on your policy documentation. Be sure to have your policy number and any relevant information about the breakdown available when you call.


Whether you’re driving a new or used car, Geico mechanical breakdown insurance can help protect you from the unexpected cost of vehicle repairs. With flexible coverage options and a wide range of benefits, this insurance policy can be a valuable investment for any driver. To learn more about Geico mechanical breakdown insurance and to get a quote for coverage, contact Geico today.