GEICO vs Auto Club (AAA) Car Insurance

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GEICO or Auto Club (AAA):
Which Company is Best for You?

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.


GEICO vs. Auto Club (AAA): insurance rate comparison


GEICO vs. Auto Club (AAA): pricing by credit score

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 INSURANCE RATE COMPARISON: Auto Club (AAA) VS. GEICO
Credit scoreGEICO avg. annual premiumAuto Club (AAA) avg. annual premium
Very Poor (300-579)$2,051$6,569
Fair (580-669)$1,358$4,023
Good (670-739)$1,485$3,723
Very Good (740-799)$1,120$3,004
Exceptional (800-850)$1,064$2,814

GEICO vs. Auto Club (AAA): costs for high-risk drivers

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.


RATES BY CITATION: Auto Club (AAA) VS. GEICO
ViolationGEICO avg. annual premiumAuto 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
DUI/DWI$2,550$5,530
Reckless driving$2,238$5,530
Speeding ticket$1,395$4,078

GEICO vs. Auto Club (AAA): rates by age

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).


RATES BY AGE: Auto Club (AAA) VS. GEICO
Age tierGEICO avg. annual premiumAuto Club (AAA) avg. annual premium
Teens$3,508$10,256
20s$1,438$4,644
30s$1,218$4,644
40s$1,189$3,195
50s$1,160$3,083
60s$1,065$2,887

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 ComparisonGEICOAuto Club (AAA)
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonGEICOAuto Club (AAA)
Financial Strength SuperiorGood
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction

N/A

N/A

Other ProductsGEICOAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOAuto Club (AAA)
AboutGeico 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 AssistanceYou 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 DiscountsGeico 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 QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
Compare MoreGEICO 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 Insurance GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAAAuto 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. Safe Auto Auto Club (AAA) vs. Safeco 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

GEICO vs Auto Club (AAA)

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