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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.|
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|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. Farm Bureau Mutual 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. North Star Mutual 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. Farm Bureau Mutual 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. North Star Mutual 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|
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