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Selecting a car insurance company is difficult: companies' rates may vary by location, age, and driving history, and every company provides a different set of discounts. GEICO and American Family are two of the US' most popular insurance companies, providing affordable policies across most of America.
To help make insurance shopping seamless, we gathered average insurance premiums from American Family and GEICO. These cover a number of rating factors, including credit history, driving behavior, and age. Take a look at these rates and find an affordable policy today.
If you have very poor credit, American Family could be preferable to GEICO. On average, American Family offers cheaper prices than GEICO for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward Check out typical insurance rates by credit level for American Family and GEICO below.
|Credit score||GEICO avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$2,051||$1,931|
|Very Good (740-799)||$1,120||$1,009|
If you are saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving résumé, American Family could be a better choice than GEICO. Every auto insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to find out which insurance company suits you.
|Violation||GEICO avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$1,763|
|At-fault accident (damage > $1,000)||$1,580||$990|
Insurance companies rely on age to outline potential risk, assigning rates accordingly. A car insurance policy is typically priciest for beginning and young drivers — due to their inexperience — and more affordable for drivers aged 25 or older. Because each insurance company evaluates age brackets uniquely, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose GEICO instead of American Family: GEICO offers average yearly savings of $302 versusAmerican Family.
|Age tier||GEICO avg. annual premium||American Family avg. annual premium|
Aside from affordability, GEICO and American Family each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||GEICO||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||GEICO||American Family|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||GEICO||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||GEICO||American Family|
|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.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|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.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|Additional Discounts||Geico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.||None Available|
|Recent Questions||Does State Farm match auto insurance quotes with other companies?|
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|Compare More||GEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) 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. SafeAuto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAA||American Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. SafeAuto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family 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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