GEICO or American Family: Which Company is Best for You?
Picking an auto insurer is complex: rates can fluctuate based on your driving history, location, and age, and every company's discounts differ. GEICO and American Family are two of the top car insurance companies, selling competitively priced insurance policies across most of America.
In an effort to simplify the comparison process, we collected average prices from American Family and GEICO. These cover a variety of rating factors, including credit rating, driving history, and age. Check out the below rates and find the perfect policy for you.
Looking for in-depth analysis? Read our comprehensive reviews of GEICO and American Family.
Compare GEICO vs. American Family auto insurance rates
GEICO vs. American Family: by credit level
If you have very poor credit, American Family could be the way to go. On average, American Family offers better premiums than GEICO for prospective clients with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800-plus — should lean toward Check out average insurance rates by credit tier for American Family and GEICO:
RATES BY CREDIT SCORE: AMERICAN FAMILY VS. GEICO
| Credit level | GEICO avg. annual premium | American Family avg. annual premium |
| Very Poor (300-579) | $2,051 | $1,931 |
| Fair (580-669) | $1,358 | $1,294 |
| Good (670-739) | $1,485 | $1,220 |
| Very Good (740-799) | $1,120 | $1,009 |
| Exceptional (800-850) | $1,064 | $941 |
GEICO vs. American Family: rates for high-risk drivers
If you are saddled with an at-fault collision, speeding violation, reckless driving citation, or DUI on your driving record, American Family could be a better choice than GEICO. Every insurer prices policies differently after a violation, so it's worth comparing quotes to find out which insurer suits you.
HIGH-RISK INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. GEICO
| Citation | 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 |
| DUI/DWI | $2,550 | $1,857 |
| Reckless driving | $2,238 | $1,857 |
| Speeding ticket | $1,395 | $1,270 |
GEICO vs. American Family: rates by age
Auto insurance companies use age to estimate risk, pricing premiums accordingly. Car insurance is often most expensive for beginning and young drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Because each insurance company prices ages uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose GEICO instead of American Family: GEICO offers average yearly savings of $302 versusAmerican Family.
AGE BRACKET INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. GEICO
| Age tier | GEICO avg. annual premium | American Family avg. annual premium |
| Teens | $3,508 | $3,810 |
| 20s | $1,438 | $1,685 |
| 30s | $1,218 | $1,685 |
| 40s | $1,189 | $1,089 |
| 50s | $1,160 | $1,089 |
| 60s | $1,065 | $986 |
Affordability aside, GEICO and American Family come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | GEICO | American Family |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase |
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| Military |
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| Ratings Comparison | GEICO | American Family |
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| Financial Strength | Superior | Excellent |
| JD Power Rankings | Average | Above average |
| User Satisfaction | 4.4/5 | 4.4/5 |
| Other Products | GEICO | American Family |
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| Other Features | GEICO | American Family |
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| 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 as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness. | None Available |
| Recent Questions |
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris.
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.
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
Will a hit and run impact my car insurance premium in CA?
Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
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