Choosing a car insurer can be tough: rates vary based on your location, vehicle, and driving record, and every company's discounts differ. USAA and GEICO are two of America's most popular insurance companies, providing high-quality policies across large portions of the US.
To take the sting out of shopping for car insurance, we've gathered typical policy rates from GEICO and USAA. The below rates cover an array of pricing components, including credit score, driving history, and age. Compare rates and find an affordable policy today.
If you have very poor credit, GEICO could be the best option for you. Typically, GEICO offers more affordable premiums than USAA for drivers with credit scores of 579 or less. Insurance shoppers with outstanding credit — a score of 800 or higher — should lean toward USAA, which typically beats GEICO by $224 annually. View common insurance costs by credit tier for GEICO and USAA:
|Credit level||USAA avg. annual premium||GEICO avg. annual premium|
|Very Poor (300-579)||$2,682||$2,051|
|Very Good (740-799)||$910||$1,120|
If you're dealing with an at-fault crash, speeding ticket, reckless driving citation, or DUI in your rear view mirror, USAA could be a better choice than GEICO. Every car insurance company prices policies differently after a violation, so don't be afraid to shop around to understand which insurer suits you.
|Violation||USAA avg. annual premium||GEICO avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$1,857|
|At-fault accident (damage > $1,000)||$947||$1,580|
Auto insurance companies use a driver's age as an indicator of potential risk, pricing policies accordingly. Car insurance is commonly priciest for young drivers — thanks to their inexperience — and relatively affordable for older drivers. Because every car insurance company rates age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose USAA before GEICO: USAA offers average yearly savings of $644, compared to GEICO.
|Age bracket||USAA avg. annual premium||GEICO avg. annual premium|
Cost aside, USAA and GEICO each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
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|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||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.|
|Roadside Assistance||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.||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.|
|Additional Discounts||USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.||GEICO offers an additional discount for vehicles with daytime running lights. Moreover, the company offers the policy feature of accident forgiveness.|
|Recent Questions||Our son-in-law is a USAA member (Navy). Can we join also?|
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law.See More 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.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.See More Questions
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