GEICO vs. American Family

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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:

Credit levelGEICO avg. annual premiumAmerican 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.

CitationGEICO avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$1,857$1,763
At-fault accident (damage > $1,000)$1,580$990
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 tierGEICO avg. annual premiumAmerican Family avg. annual premium

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 ComparisonGEICOAmerican 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
New Vehicle
Annual Mileage
Ratings ComparisonGEICOAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings Above averageBelow average
User Satisfaction 4.4/54.4/5
Other ProductsGEICOAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOAmerican Family
AboutGEICO 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 AssistanceYou 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 DiscountsGEICO 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 QuestionsI 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
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