Exclusive GEICO Agency
Driving Insurance Cost Lower. Quote and Save in minutes.
Enter your ZIP code to get a real GEICO quote. No obligation and no pressure. Just a lower rate, if we can find you one.
See your rate
Start with your ZIP code. We'll take you straight to your quote.
- Real GEICO rates
- About 2 minutes
- No obligation
Talk to a licensed agent. Free, no obligation.
Independently owned and operated by IBRP, Inc, an exclusive GEICO agency.
Coverage
One quote for everything you drive and own.
Start with auto, then bundle the rest. Combining policies is one of the easiest ways to bring your total down.
Auto Insurance
Auto insurance pays for injuries and damage after a crash.
Learn more →Homeowners Insurance
Homeowners insurance covers the structure of your home, your personal property, additional living expenses if you can't live there after a covered loss, and your personal liability.
Learn more →Renters Insurance
Renters insurance covers your personal belongings, your liability if someone is injured in your rental, and your living expenses if a covered event forces you out.
Learn more →Condo Insurance
Condo insurance, called an HO-6 policy, covers the parts of your condo the association's master policy doesn't: interior walls, floors, cabinets and fixtures (depending on your master policy), your personal belongings, your personal liability, extra living expenses after a covered loss, and loss assessments the association charges owners.
Learn more →Motorcycle Insurance
Motorcycle insurance pays for injuries and damage you cause (liability) and can also cover your own bike, gear and medical bills.
Learn more →RV Insurance
RV insurance covers liability for injuries and damage you cause while driving a motorhome, plus optional physical damage coverage for the RV itself, your belongings inside it, and campsite liability.
Learn more →Boat Insurance
Boat insurance covers physical damage to your boat and motor, liability for injuries or damage you cause on the water, medical payments, towing and, in hurricane-prone states, haul-out and storage costs.
Learn more →How it works
Three steps to a lower rate.
Enter your ZIP code
That's all we need to get started. It tells us the rates available where you live.
Get your GEICO quote
You'll go straight to a secure GEICO quote built for you. It takes about 2 minutes.
Lock in your rate
Like what you see? Start your policy online, or call us and we'll finish it together.
Why DriveLower
Real GEICO coverage, with a real person behind it.
An exclusive GEICO agency
We write GEICO policies, so the rate and coverage you see are the real thing, not a comparison-site estimate.
Quote online or by phone
Prefer to talk it through? Call and a licensed agent will walk you through your options.
Bundle and save
Pairing auto with home, renters or condo coverage is one of the simplest ways to lower your total.
Local to the South and Midwest
We serve drivers across Florida, Georgia, Alabama, South Carolina, North Carolina, Tennessee, Kentucky, Arkansas, Illinois and Ohio, and we know each state's rules, from no-fault PIP in Kentucky to required UM coverage in Illinois.
States we serve
Car insurance requirements and rates by state.
Each state sets its own minimums and prices risk differently. Pick yours to see what's required and what moves your rate.
Florida
Florida requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL).
FL rates & requirements →Georgia
Georgia requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.
GA rates & requirements →Alabama
Alabama requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.
AL rates & requirements →South Carolina
South Carolina requires 25/50/25 liability coverage ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage) plus uninsured motorist coverage at the same 25/50/25 limits.
SC rates & requirements →North Carolina
As of July 1, 2025, North Carolina requires minimum liability limits of 50/100/50: $50,000 bodily injury per person, $100,000 per accident, and $50,000 property damage.
NC rates & requirements →Tennessee
Tennessee requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. UM coverage is optional but worth it in a high-uninsured state.
TN rates & requirements →Kentucky
Kentucky requires 25/50/25 liability plus $10,000 in Personal Injury Protection (PIP). Kentucky is a choice no-fault state.
KY rates & requirements →Arkansas
Arkansas requires minimum liability limits of 25/50/25. PIP and uninsured motorist coverage must be offered but can be declined in writing.
AR rates & requirements →Illinois
Illinois requires 25/50/20 liability ($25,000 / $50,000 bodily injury, $20,000 property damage) plus uninsured motorist bodily injury coverage of 25/50.
IL rates & requirements →Ohio
Ohio requires minimum liability limits of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Ohio has some of the lowest average rates in the U.S.
OH rates & requirements →Prefer to talk to someone?
Call and a licensed agent will help you find the right coverage and the lowest rate you qualify for.
Guides
Know more, pay less.
Plain-English answers to the questions that decide what you pay.
How to Lower Your Car Insurance in 2026: 12 Ways That Work
Twelve proven ways to cut your car insurance premium, ranked by how much they actually save, from re-shopping and bundling to deductibles and discounts.
Read the guide →Liability vs. Full Coverage Car Insurance: Which Do You Need?
What liability-only and full coverage actually mean, what each costs, and a simple rule for deciding which one you need based on your car's value and your finances.
Read the guide →What Affects Your Car Insurance Rate? 10 Factors Explained
The ten factors insurers use to price car insurance, from ZIP code and driving record to credit, vehicle and coverage choices, and which ones you can change.
Read the guide →Quick answers
How do I get a GEICO quote?
Enter your ZIP code above and you'll be taken to a secure GEICO quote page with our agency code attached. Answer a few questions about your vehicle and drivers and you'll see your rate in about 2 minutes. You can also get a GEICO quote by phone: call (904) 622-1850 and a licensed agent will quote you. Learn more about getting a GEICO quote →
Is DriveLower the same as GEICO?
DriveLower is operated by IBRP, Inc, an exclusive GEICO agency. We write GEICO policies, so the quote you receive is a real GEICO quote. We are an independently owned agency and not GEICO's corporate office.
What happens after I enter my ZIP code?
You go straight to a secure quote page on sales.geico.com with our agency code attached. You answer a few questions about your vehicle and drivers, see your rate, and can buy online or finish with us by phone.
Which states does DriveLower serve?
Our primary service area is Florida, Georgia, Alabama, South Carolina, North Carolina, Tennessee, Kentucky, Arkansas, Illinois and Ohio. If you're elsewhere, enter your ZIP code and we'll show you what's available.
Does it cost anything to get a quote?
No. Quotes are free and there's no obligation to buy.
Is my information safe?
Your quote is completed on GEICO's secure site. DriveLower only uses your ZIP code to route you to the right quote and does not store personal information.
Can I talk to a real person?
Yes. Call (904) 622-1850 and a licensed agent will help you quote, buy or review coverage.
What do I need to get a quote?
Your ZIP code to start, then the year, make and model of each vehicle, the drivers in your household and their license numbers, and roughly how many miles you drive. The whole thing takes about two minutes online.
Can I buy a policy today and drive right away?
Yes. After you see your GEICO rate you can buy online or by phone, start coverage today, and download digital ID cards immediately.
How much does car insurance cost in the states you serve?
It varies widely: Florida and Kentucky run above the national average, Ohio, Tennessee and Alabama run below it, and Georgia, South Carolina, North Carolina, Arkansas and Illinois fall near the middle. Your ZIP code, record, vehicle and coverage limits matter more than the state average. See our state pages for requirements and rate factors, or enter your ZIP code for a real rate.
Ready to drive lower?
Enter your ZIP code and see your GEICO rate in about 2 minutes.
- Real GEICO rates
- About 2 minutes
- No obligation
Talk to a licensed agent. Free, no obligation.