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 Auto Club (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 Auto Club (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 Auto Club (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 Auto Club (AAA) by $1,750 annually. Check out average insurance costs by credit level for Auto Club (AAA) and GEICO below.
| Credit level | GEICO avg. annual premium | Auto 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 |
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 Auto Club (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 | 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 |
| 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 Auto Club (AAA): GEICO offers average yearly savings of $6,748, compared to Auto Club (AAA).
| Age | GEICO avg. annual premium | Auto 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 |
Aside from affordability, GEICO and Auto Club (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 | What 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 policyI 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 |
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| 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 |