Advertiser disclosure In addition to the standard types of car insurance, Geico besides offers a product called mechanical breakdown indemnity. Geico mechanical breakdown indemnity ( MBI ) is available to most customers and can be added to existing policies for a reasonably low price. But do you need MBI ? mechanical dislocation indemnity is similar to an extend car guarantee in that it helps cover the cost of repairs if your vehicle unexpectedly breaks depressed. Our review team has taken a close look at the best extend car guarantee options on the market, and while an MBI policy international relations and security network ’ t precisely the lapp as an extend guarantee, both provide like coverage. Read this follow-up to see how MBI policies compare to extended warranties and learn if Geico mechanical breakdown policy is a good investment. If you want to start comparing offer guarantee costs right aside, click below for free, personalize quotes from a image of top providers.

In this article:

What Is Geico Mechanical Breakdown Insurance?

Geico mechanical breakdown policy is a type of car policy that covers repairs to certain vehicle parts after they break down ascribable to normal use. MBI policies are one way to protect your wallet against goodly haunt costs if your vehicle has faulty parts or defects in craft. In this way, they are alike to car warranties. Geico is one of the only exceed policy companies that offers extra coverage for car repairs. Through Geico, mechanical breakdown indemnity is available for new or rent cars that are less than 15 months old and have less than 15,000 miles on the odometer. coverage is renewable up to 7 years/100,000 miles. Geico MBI covers all vehicle parts and systems, with a belittled tilt of exclusions. Among the items not covered by a Geico mechanical breakdown policy policy are :

  • Regular maintenance services such as tune-ups, suspension alignments, and wheel balancing
  • Maintenance parts like filters, lubricants, coolant, and fluids
  • Wear-and-tear parts that deteriorate naturally over time, such as spark plugs, tires, and brake pads, linings, and shoes

merely damage that results from normal use is covered. Geico ’ s MBI policy does not cover intentional wrong and damage that results from misuse or improper maintenance. additionally, it will not cover price that results from a crash, vandalism, or weather – you will need collision and comprehensive car indemnity policies for those incidents. If you need a repair that ’ s covered under Geico mechanical breakdown policy, you can take your fomite to the repair facility of your choice and provide your MBI policy issue. Geico will then go about authorizing your claim. If your claim is approved, Geico will pay the repair shop directly, minus a $ 250 deductible that you will need to pay out of pocket.

Geico Mechanical Breakdown Insurance Cost

According to the insurance company ’ randomness advertisements, Geico mechanical dislocation insurance can cost vitamin a fiddling as $ 30 per year, but our research shows the average MBI policy costs between $ 50 and $ 100 annually. Like any type of car policy, the monetary value of Geico mechanical dislocation indemnity will vary from person to person. Things such as your vehicle, historic period, and driving record may all factor into the final examination cost of your policy.

Is Geico Mechanical Breakdown Insurance Worth It?

A Geico mechanical breakdown policy policy may be worth it for some drivers but not all. If you ’ re able to lock in a low annual pace, MBI can give you added peace of mind on the road knowing you ’ re covered in the event of an unexpected breakdown. however, much of the coverage offered by an MBI policy is already included with your vehicle ’ second factory guarantee. distinctive newly car guarantee coverage lasts for three years, so you are improbable to gain any value from an MBI policy until after that time. This means that if you wait until Geico ’ s 15-month vehicle old age cutoff, you ’ ll be paying for MBI coverage for about two years before you ’ ll see any benefit from your investment. That said, if you ’ re entirely paying $ 30 to $ 100 per class for the extra policy coverage, it could be worth fronting the cost to renew your policy long-run. If you keep your policy for the entire seven-year coverage term, it will end up costing significantly less overall than a typical extend car guarantee.

Mechanical Breakdown Insurance Vs. Extended Car Warranties

mechanical breakdown insurance is similar to an extend car guarantee, though the two products are not the same. The table below outlines some of the key similarities and differences between each type of coverage.

Geico Mechanical Breakdown Insurance Extended Car Warranty
Covers repairs after certain car parts break down or malfunction Covers repairs after certain car parts break down or malfunction
Does not cover regular maintenance Does not cover regular maintenance
Regulated by state insurance commissioner Not regulated by state insurance commissioner
Coverage must be purchased before vehicles are 15 months old and reach 15,000 miles Coverage can be purchased at any time
Coverage lasts up to 7 years or 100,000 miles Depending on the provider, coverage can last
up to 15 years or 250,000 miles
Paid monthly or in a lump sum as part of car insurance premium Can be paid monthly or in a lump sum as a separate bill
$250 deductible Deductible options between $0 and $200
Can cost between $30 and $100 per year Usually costs between $400 and $800 per year
One coverage level Multiple levels of coverage

One crucial difference between mechanical breakdown indemnity and extended car warranties is that MBI policies are regulated by the state policy commissioner. This may be a decide component for drivers who are on the fence about unfold cable car guarantee coverage. MBI policies besides tend to cost less. however, they do not provide coverage for older vehicles. With Geico, mechanical breakdown indemnity must be purchased while your manufacturer ’ south guarantee is credibly still in effect. tied taking this into bill, an MBI policy is likely to be cheaper than an extensive car guarantee in the long run. however, Geico mechanical breakdown insurance comes with a higher deductible than most gallop car warranties. If your vehicle experiences a total of cheap breakdowns, your policy may end up not covering many repairs. Keep in heed that as vehicles senesce, the likelihood of an unexpected breakdown increases. sol while an MBI policy from Geico may be a better choice for newer vehicles, because of its low coverage limits, an extensive cable car guarantee will likely be more beneficial for an older, higher-mileage that ’ s prone to needing repairs.

Top Recommendations For Extended Car Warranties

If your vehicle is older than 15 months, it is already besides late to purchase Geico mechanical breakdown indemnity. For vehicle security like to a Geico MBI policy, you could consider an extend car guarantee. As with insurance, the best way to find the properly price and the proper policy for your needs is to shop around and compare providers. Two companies we highly recommend are Endurance and CARCHEX. After rate and reviewing dozens of extended guarantee companies, these two stood out from the pack for their high-quality coverage and outstanding customer service.

Endurance: Best Coverage

endurance warranties come with some of the most comprehensive coverage options in the diligence. In accession to standard powertrain guarantee and bumper-to-bumper guarantee options, Endurance provides all customers with across-the-board benefits including :

  • Rental car reimbursement
  • 24/7 roadside assistance
  • Trip interruption coverage
  • One-year Endurance Elite Benefits

The Endurance Elite Benefits program includes entire loss protection, identity larceny services, cardinal flim-flam and run down replacements, and a collision dismiss, among other benefits. You can renew your membership for an extra charge after the first base year. overall, we rated the provider 4.6 out of 5.0 stars in our Endurance guarantee follow-up. It scored high marks for industry standing, coverage, foil, and customer service. Learn more by reading the fully reappraisal, and chatter below to get a release, individualized quote and see how a lot an Endurance guarantee would cost for your vehicle.

CARCHEX: Best For Used Cars

CARCHEX has one of the best reputations among unfold car guarantee providers. It has been endorsed by diligence leaders such as Kelley Blue Book, CARFAX, and Like Endurance, a range of CARCHEX vehicle service contracts are available for new and practice vehicles. CARCHEX besides provides extra utilitarian benefits such as :

  • 24/7 roadside assistance
  • Towing reimbursement
  • Rental car reimbursement
  • Trip interruption coverage

CARCHEX is accredited by the Better Business Bureau ( BBB ) and has an A+ BBB denounce. It besides holds a 3.2 out of 5.0 grudge on Trustpilot and scored 4.4 out of 5.0 stars in our CARCHEX revue. See for yourself how much a CARCHEX plan would cost by reaching out for a complimentary, no-obligation quotation.


In an campaign to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of carry car guarantee companies to formulate rankings of the best providers. Companies receive a score in each of the following categories, arsenic well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Warranty providers with a history of strong business practices and endorsements from experts receive the highest scores in this category.
  • Coverage: This rating is based on types of extended warranty plans available, coverage terms, and added benefits like roadside assistance.
  • Cost: Our research team reviews sample quotes for a variety of plans and vehicles. Companies with lower prices per year of coverage receive the best scores.
  • Transparency: This score takes into account contract transparency and the availability of a money-back guarantee.
  • Customer Service: We comb through customer reviews and perform our own shopper analysis to get a sense of the responsiveness and helpfulness of each warranty company.

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