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.
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:
| 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 |
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.
| 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 |
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 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 |
|---|---|---|
| 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 | American Family |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Above average | Below average |
| User Satisfaction | 4.4/5 | 4.4/5 |
| Other Products | GEICO | American Family |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle 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 as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness. | None Available |
| 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 | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. See More Questions |
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