Compare rates from the top car insurance companies in your area.

Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Which Company is Best for You?

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.

Seeking additional insights? Check out our comprehensive reviews of USAA and GEICO.


Compare USAA vs. GEICO auto insurance rates


USAA vs. GEICO: pricing by credit score

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 levelUSAA avg. annual premiumGEICO avg. annual premium
Very Poor (300-579)$2,682$2,051
Fair (580-669)$1,247$1,358
Good (670-739)$1,057$1,485
Very Good (740-799)$910$1,120
Exceptional (800-850)$840$1,064

USAA vs. GEICO: rates for bad drivers

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.

ViolationUSAA avg. annual premiumGEICO avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,857
At-fault accident (damage > $1,000)$947$1,580
Reckless driving$1,472$2,238
Speeding ticket$1,124$1,395

USAA vs. GEICO: rates by age

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 bracketUSAA avg. annual premiumGEICO 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.

Discount ComparisonUSAAGEICO
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 ComparisonUSAAGEICO
Financial Strength SuperiorSuperior
JD Power Rankings ExcellentAbove average
User Satisfaction 4.6/54.6/5
Other ProductsUSAAGEICO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAGEICO
AboutUSAA 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 Assistance24-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 DiscountsUSAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.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.
Recent QuestionsAm I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
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.
See More 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
Compare MoreUSAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root Insurance USAA vs. Safe Auto USAA vs. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root Insurance GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers
Top StatesArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas