# Geico say no to Gem Car insurance! **URL:** \ **Category:** GEM Forum\ **Created:** [September 27, 2019, 6:05pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167 "2019-09-27T18:05:17Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![georgevazquez](https://avatars.discourse-cdn.com/v4/letter/g/7c8e57/32.png) [@georgevazquez](https://community.electricforum.com/u/georgevazquez)\ **Post date:** [September 27, 2019, 6:05pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/1 "2019-09-27T18:05:17Z")
What the heck buying a 2015 e4 from a friend so I call to get a price and they say I can do it fi I have home owners ( I rent ) or a private broker. Who do you guys use to insure your gem car? ---
**Author:** ![JarJarJava](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/jarjarjava/32/15158_2.png) [@JarJarJava](https://community.electricforum.com/u/JarJarJava)\ **Post date:** [September 27, 2019, 6:23pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/2 "2019-09-27T18:23:01Z")
I have State Farm . No issues. ---
**Author:** ![grantwest](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/grantwest/32/15_2.png) [@grantwest](https://community.electricforum.com/u/grantwest)\ **Post date:** [September 27, 2019, 6:41pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/3 "2019-09-27T18:41:04Z")
I got it originally threw GICO who sold it to FOREMOST . I heard that some insurance company have a magic number of specific policy’s Example GICO May has said they only wanna have 1 Million Golf Cart insurance policy’s and that’s it. Keep looking around. We just Re-Insured threw Foremost /Aka GICO ---
**Author:** ![georgevazquez](https://avatars.discourse-cdn.com/v4/letter/g/7c8e57/32.png) [@georgevazquez](https://community.electricforum.com/u/georgevazquez)\ **Post date:** [September 28, 2019, 2:56pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/4 "2019-09-28T14:56:08Z")
2015 Gem E4 Thank You State Farm. liability 100/300 property damage 50 medical 5000 physical damage 250 uninsured motorist 100/300 $115.46 Per year. ---
**Author:** ![JarJarJava](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/jarjarjava/32/15158_2.png) [@JarJarJava](https://community.electricforum.com/u/JarJarJava)\ **Post date:** [September 28, 2019, 3:26pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/5 "2019-09-28T15:26:36Z")
You must not be in California. It’s like 4 x that where I live… ---
**Author:** ![Twn454](https://avatars.discourse-cdn.com/v4/letter/t/b5e925/32.png) [@Twn454](https://community.electricforum.com/u/Twn454)\ **Post date:** [September 28, 2019, 3:28pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/6 "2019-09-28T15:28:44Z")
Same here MD, $1400yr! ---
**Author:** ![georgevazquez](https://avatars.discourse-cdn.com/v4/letter/g/7c8e57/32.png) [@georgevazquez](https://community.electricforum.com/u/georgevazquez)\ **Post date:** [September 28, 2019, 5:02pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/7 "2019-09-28T17:02:06Z")
Wow!!! I live in the Florida keys. ---
**Author:** ![JarJarJava](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/jarjarjava/32/15158_2.png) [@JarJarJava](https://community.electricforum.com/u/JarJarJava)\ **Post date:** [September 28, 2019, 6:55pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/8 "2019-09-28T18:55:41Z")
I had my agent explain it to me once - it has to do with the area, population density & demographics, type and number of claims. Florida Keys are probably used to seeing golf carts on the road. Greater Sacramento area, not so much. It’s all liability coverage in CA. Almost $130 for 6-months 25/50 liability on a freaking golf cart. Everything else is cheap on this vehicle: $25k medical is only $21. My BMW only costs $50 more per 6 months… WTF. ---
**Author:** ![Pornelas](https://avatars.discourse-cdn.com/v4/letter/p/ea5d25/32.png) [@Pornelas](https://community.electricforum.com/u/Pornelas)\ **Post date:** [September 30, 2019, 1:21pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/9 "2019-09-30T13:21:50Z")
State Farm. $85 a year. San Diego, CA ---
**Author:** ![Reddevil](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/reddevil/32/6128_2.png) [@Reddevil](https://community.electricforum.com/u/Reddevil)\ **Post date:** [September 30, 2019, 6:40pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/10 "2019-09-30T18:40:34Z")
USAA in Los Angeles is $120 every 6 months. ---
**Author:** ![RogerThat](https://avatars.discourse-cdn.com/v4/letter/r/e9c0ed/32.png) [@RogerThat](https://community.electricforum.com/u/RogerThat)\ **Post date:** [October 1, 2019, 5:15pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/11 "2019-10-01T17:15:32Z")
State Farm in palm beach county, Florida no problem ---
**Author:** ![Mrdaffyd](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/mrdaffyd/32/4649_2.png) [@Mrdaffyd](https://community.electricforum.com/u/Mrdaffyd)\ **Post date:** [October 4, 2019, 3:54pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/12 "2019-10-04T15:54:45Z")
I live in AZ. Carry $500k liab/UM/UIM, $5k medical, 250 collision, 100 comp - for $186 year with Farmers Insurance, who places it with Foremost (they own Foremost). ---
**Author:** ![Pops17](https://avatars.discourse-cdn.com/v4/letter/p/ecb155/32.png) [@Pops17](https://community.electricforum.com/u/Pops17)\ **Post date:** [October 8, 2019, 4:59pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/13 "2019-10-08T16:59:41Z")
I have 4 vehicles and my homeowners with Geico. They wouldn’t insure my Gem either. i went with Liberty Mutual, no issues so far. ---
**Author:** ![BeachguyPVB](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/beachguypvb/32/2556_2.png) [@BeachguyPVB](https://community.electricforum.com/u/BeachguyPVB)\ **Post date:** [October 8, 2019, 5:10pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/14 "2019-10-08T17:10:35Z")
Don’t forget to have an umbrella policy if you go for the lowest liability limit on your GEM. It is a licensed vehicle and a wreck will open you up to high liability suit. ---
**Author:** ![Lowaired](https://avatars.discourse-cdn.com/v4/letter/l/c68b51/32.png) [@Lowaired](https://community.electricforum.com/u/Lowaired)\ **Post date:** [May 5, 2020, 3:53pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/15 "2020-05-05T15:53:57Z")
Was it insured as a lsv or golf cart? ---
**Author:** ![Pornelas](https://avatars.discourse-cdn.com/v4/letter/p/ea5d25/32.png) [@Pornelas](https://community.electricforum.com/u/Pornelas)\ **Post date:** [May 5, 2020, 5:38pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/16 "2020-05-05T17:38:31Z")
It’s insured as a NEV, I believe. I’ll have to double check. It’s for sure insured as street legal. ---
**Author:** ![HLF](https://avatars.discourse-cdn.com/v4/letter/h/9fc348/32.png) [@HLF](https://community.electricforum.com/u/HLF)\ **Post date:** [May 6, 2020, 4:32pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/17 "2020-05-06T16:32:34Z")
Progressive Ins online / Orlando area / $94 yr / w/road service ---
**Author:** ![Laslonimne](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/laslonimne/32/514_2.png) [@Laslonimne](https://community.electricforum.com/u/Laslonimne)\ **Post date:** [May 8, 2020, 1:16pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/18 "2020-05-08T13:16:49Z")
2009 eS, Tulsa, OK, State Farm $360 per year. ---
**Author:** ![grantwest](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/grantwest/32/15_2.png) [@grantwest](https://community.electricforum.com/u/grantwest)\ **Post date:** [May 8, 2020, 4:52pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/19 "2020-05-08T16:52:53Z")
A friend of mine was telling me why insurance company’s turn down things like “golf carts”. He said that he was denied by his insurance company for Gem Car insurance because his insurance company said that they had already too many policies in that (particular insurance policy business) He claimed it was like having a stock portfolio that only had one type of investment, and that each insurance company has a Magic # of let’s say Boat policy’s, Airplane policy’s, golf cart policy’s. I guess we should not take it personally 🙂 Personally I wouldn’t think that there is a lot of claims in relation to golf carts but what do I know? ---
**Author:** ![supertramp](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.electricforum.com/supertramp/32/16107_2.png) [@supertramp](https://community.electricforum.com/u/supertramp)\ **Post date:** [July 20, 2020, 9:52pm UTC](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167/20 "2020-07-20T21:52:50Z")
I would be worried about this coverage. I talked to Progressive and they wrote me a policy too. Then I talked to another agent that has been doing this 23 years and he said they don’t write for these in Florida. He said I would have had an Off Road ATV insurance and that would be wrong. I would be very concerned if Progressive wrote you a policy. My previous owner said he had Progressive too so I went with it. But after over an hour on the phone with a local agent he went through all the documentation and said they do not insure for these vehicles. It is a common mistake that is often overlooked at the DMV. The question is who does insure in Florida for these? [Next page](https://community.electricforum.com/t/geico-say-no-to-gem-car-insurance/17167.md?page=2)