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Screw Geico, Terrell Owens can save a whole bunch of money on child support … just by visiting his kid — this according court docs obtained by TMZ Sports.

T.O. — who’s had some serious money issues in his life — just cut a huge deal with one of his baby mama’s who thinks the best way to get the ex-NFL star to visit his kid is by luring him with cash.

Here’s the deal … according to court docs, obtained by TMZ Sports, Terrell has to shell out $2,250-per-month to Melanie Smith, one of T.O.’s 4 baby mamas.