Picking an auto insurance company is complex: rates can fluctuate by driving record, location, and age, and insurers offer a variety of perks. GEICO and Auto Club (AAA) are two of America's most popular insurers, providing affordable policies across large portions of America.
In an effort to simplify the comparison process, we have gathered average rates from Auto Club (AAA) and GEICO. The below rates cover a variety of pricing components, including credit rating, driving behavior, and age. Check out the below rates and find the right policy for you.
If you have very poor credit, GEICO could be preferable to GEICO. On average, GEICO offers lower rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800 or better — should lean toward GEICO, which typically beats Auto Club (AAA) by $1,750 annually. View typical insurance rates by credit level for Auto Club (AAA) and GEICO:
|Credit score||GEICO avg. annual premium||Auto Club (AAA) avg. annual premium|
|Very Poor (300-579)||$2,051||$6,569|
|Very Good (740-799)||$1,120||$3,004|
If you are dealing with an at-fault accident, speeding violation, reckless driving citation, or DUI offense in your rear view mirror, GEICO could be a better choice than Auto Club (AAA). Each auto insurance company enacts rate penalties differently, so don't be afraid to shop around to find out which insurer suits you.
|Violation||GEICO avg. annual premium||Auto Club (AAA) avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$4,078|
|At-fault accident (damage > $1,000)||$1,580||$4,002|
Car insurance companies use a driver's age to outline potential risk, assigning rates accordingly. Car insurance is usually most expensive for teen drivers — because of their inexperience — and most affordable for older drivers. Because every auto insurance company evaluates ages in a different way, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose GEICO before Auto Club (AAA): GEICO offers average yearly savings of $6,748 versusAuto Club (AAA).
|Age tier||GEICO avg. annual premium||Auto Club (AAA) avg. annual premium|
Costs aside, GEICO and Auto Club (AAA) each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||GEICO||Auto Club (AAA)|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||GEICO||Auto Club (AAA)|
|JD Power Rankings||3 out of 5||2 out of 5|
|Other Products||GEICO||Auto Club (AAA)|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||GEICO||Auto Club (AAA)|
|About||Geico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.|
|Roadside Assistance||You can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.|
|Additional Discounts||Geico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.|
|Recent Questions||Will a hit and run impact my car insurance premium in CA?|
Will Geico increase my rates if I file a windshield claim?
My car was hit while parked, there is a scratch and dent. If I report it will it affect my ...
Statute of limitations to file a claim with Geico in Vermont
Not further question....
Are some insurance providers better suited to my needs than others to get the best rate?
We have Geico for my truck in Vermont. We were going home and came around a bend and there were ...
See More Questions
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
|Does roadside assistance cover people not on your policy|
Customer service for AAA roadside assistance only versus AAA auto insurance?
How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ...
What do I do if my vehicle was totaled while parked?
Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ...
What steps do I need to take to gift a car to my son in Texas?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
See More Questions
I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ...
|Compare More||GEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. Safe Auto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAA||Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...