GEICO Mechanical Breakdown Insurance

Mechanical breakdown insurance (MBI) is one way to keep your car insured. Our tips about GEICO MBI can help you make great car insurance decisions and save money.


GEICO has standard auto insurance but also offers a product called mechanical breakdown insurance (MBI). MBI insurance is available to most GEICO customers. You can add it to existing policies such as comprehensive coverage, according to GEICO MBI overcompensates for repairs to car parts after the parts break down from standard use. For example, if your car has defective parts or bad workmanship, the MBI will cover repairs.

Who Offers MBI?

GEICO is a top insurance company to offer additional coverage. The MBI insurance covers all vehicle parts and systems with a few policy exceptions.

What Do GEICO’s Customers Say About MBI?

GEICO has an AM Best Financial Strength score of A++. The company has the finances to pay customer claims. Its Better Business Bureau (BBB) score of A+ shows GEICO has positive reviews from its customers. In a J.D. Power 2020 US Insurance Shopping Study, GEICO received a rating of 867 out of 1000.

What Does GEICO’s MBI Cover?

MBI is available for recent or leased cars that a driver has owned for less than 15 months, or vehicles with less than 15,000 miles on the odometer. You can renew this for up to seven years or 100,000 miles on the odometer. The insurance requires a $250 deductible for insured loss, but after this, GEICO covers repairs to the mechanical car parts. What GEICO doesn’t cover is maintenance and usual wear and tear. Are you interested? Call GEICO at (800) 861-8380.

Some examples of what GEICO covers for MBI policies include engines, transmissions, steering, drive axle, suspension, cooling system, and electrical systems.

What Does MBI Not Cover in Insurance?

GEICO MBI, as stated on their website, covers all vehicle systems and parts. Some items a GEICO MBI doesn’t cover are:

  • Habitual maintenance services such as vehicle tune-ups, wheel balancing, and suspension alignments
  • Parts for maintenance such as filters, coolant, lubricants, and other fluids
  • Parts that naturally wear away such as brake pads, spark plugs brake shoes, and brake linings

    The GEICO MBI will cover only damage resulting from regular use. The policy doesn’t cover deliberate damage to the vehicle, or damage resulting from vehicle abuse such as the driver using a car meant for city use as an off-road vehicle or towing, or improper vehicle maintenance. Furthermore, the MBI policy won’t cover damage from events such as vandalism, crashes, or weather-related incidents such as floods.

    Steps to Filing An MBI Claim

    Get authorization from GEICO before getting repairs. Failing to allow GEICO to investigate before repairs begin may jeopardize any claims. You need to speak with an authorized GEICO agent to make an MBI insurance claim.

    • Report your Mechanical Breakdown Insurance claim, call (800) 443-7411. The telephone hours are Monday to Friday, 7:30 am — 9:00 pm (ET). On Saturdays, the telephone line is open from 8:00 am — 4:30 pm (ET). The telephone line is closed on Sunday.
    • Make sure you have as much information as you can about the breakdown when reporting the claim. If you can, give evidence of the claim with photos.

      Can I Take My Car to a Repair Shop of My Choice?

      GEICO MBI policy allows you to take your car to the mechanic or service center of your choice. Inform the repair center you have mechanical breakdown insurance and give them your GEICO policy number. You should call GEICO at (800) 443-7411. GEICO will need a repair estimate before the company authorizes your car repairs. The claims examiner will determine if a car inspection, usually occurring within 24 hours, is necessary.

      GEICO MBI will pay the center after you pay the repair bill. If the repair center doesn’t diagnose a mechanical failure, GEICO can’t authorize reimbursement. GEICO will not pay for the repair center diagnostic fees.

      You may use any licensed repair shop. If your vehicle has a recall or is under a voluntary repair program or needs repairs under the manufacturer’s warranty, take the vehicle back to the dealer for service.

      What is the Cost of MBI?

      MBI is not a separate payment for coverage on your auto policy. GEICO offers several plans for paying premiums, either in full or with an installment plan. A premium, according to Credit Karma, is the price you pay for your insurance and varies by company.

      How Can I Learn More About GEICO’s MBI Coverage?

      Call GEICO at (800) 861-8380 where insurance representatives are available 24 hours a day, 7 days a week to answer questions and give you a quote.

      What is the Cost of MBI?

      Like an extended warranty, the cost of GEICO MBI depends on the type of car you drive, the vehicle’s age and mileage, and your location. MBI is not too expensive, but this depends on vehicle factors. The MBI plan may not cover your high-value car such as Teslas because high-value car parts may be too expensive to cover.

      Is GEICO MBI Worth It?

      GEICO MBI policy may be valuable for you if you have a low yearly rate.

      Is Mechanical Breakdown Insurance Worth the Price?

      Coverage offered by a mechanical breakdown insurance policy may include the vehicle factory warranty. A usual new car warranty coverage lasts three years.

      For GEICO’s MBI to have value, a driver would need to have a breakdown of costs exceeding the combined policy price and the $250 deductible. For example, with a $75-per-year plan for six years and a $250 deductible, a driver would need a breakdown and repair cost of greater than $700 during the policy six years. This is a consideration for the cost to be worth the premium and the deductible. The deductible, what you would pay out of pocket, is on the GEICO website.

      The MBI might be worth it if car repairs are expensive. An example is a blown transmission that costs between $1,800 and $3,400, far beyond the $75-per-year plan and cheaper than the MBI $250 deductible cost.

      Check this out if you need additional information, resources, or guidance on car insurance.


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