Choosing an auto insurance company can be tough: every company's rates differ by driving history, age, and location, and every company provides a different set of discounts. GEICO and AAA are two of the nation's most popular insurers, offering high-quality policies in most states.
In an effort to make insurance shopping seamless, we gathered average policy prices from AAA and GEICO. These cover a variety of rating factors, including credit, driving behavior, and age. Check out the below rates and find the right policy for you.
Take a deep dive: Check out our reviews of GEICO and AAA.
If you have very bad credit, GEICO could be a better option for you. On average, GEICO offers more affordable rates than AAA for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should consider GEICO, which typically beats AAA by $1,750 annually. Check out average insurance costs by credit level for AAA and GEICO below.
| Credit level | GEICO avg. annual premium | 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 |
If you're carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI in your rear view mirror, GEICO could be a better choice than AAA. Every insurance company prices its policies differently, so don't be afraid to shop around to understand which insurer suits you.
| Citation | GEICO avg. annual premium | 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 |
Car insurance companies use age to indicate risk, assigning rates accordingly. Auto insurance is often priciest for teens — because of their inexperience — and most affordable for older drivers. Because every auto insurance company evaluates age tiers differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose GEICO over AAA: GEICO offers average yearly savings of $6,748, compared to AAA.
| Age | GEICO avg. annual premium | 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 |
Aside from affordability, GEICO and AAA come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
| Discount Comparison | GEICO | Auto 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 Comparison | GEICO | Auto Club (AAA) |
|---|---|---|
| Financial Strength | Superior | Good |
| JD Power Rankings | ||
| User Satisfaction | N/A | N/A |
| Other Products | GEICO | Auto Club (AAA) |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle 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, the company 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 | I made two claims last year. Should I file a third? If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere. Will comprehensive insurance cover damages caused by road debris?Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris. Which insurance companies will insure a driver without a license?You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not. Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?It's possible that your agent is simply trying to keep your business. However, he may actually be correct. See More Questions | Can a bank add insurance to my loan when I already have insurance? This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise. How do i dispute a driving record with AAAThe only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies. 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. 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. See More Questions |
| 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 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. 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. 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 |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |