Selecting an auto insurance company is sometimes difficult: companies' rates vary based on your location, age, and driving history, and every company's discounts differ. USAA and GEICO are two of the most popular insurance companies, providing high-quality coverage across large swaths of the US.
In an effort to simplify the insurance-shopping process, we have gathered average rates from GEICO and USAA. These cover myriad pricing factors, including credit rating, driving history, and age. Compare rates and find an affordable policy today.
If you have very poor credit, GEICO could be preferable to USAA. Typically, GEICO offers cheaper prices than USAA for drivers with credit scores of 579 or less. Those with extraordinary credit — a score of 800 or higher — should lean toward USAA, which typically beats GEICO by $224 per year. Check out common insurance rates by credit tier for GEICO and USAA below.
|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 are dealing with an at-fault accident, speeding ticket, reckless driving citation, or DWI on your résumé, USAA could be a better choice than GEICO. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes 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|
Insurance companies use age to outline risk potential, pricing premiums accordingly. An insurance policy is typically priciest for drivers younger than 25 — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every auto insurance company evaluates age tiers uniquely, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose USAA instead of GEICO: USAA offers average yearly savings of $644 versusGEICO.
|Age||USAA avg. annual premium||GEICO avg. annual premium|
Affordability aside, USAA and GEICO both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||5 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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, Geico also offers the policy feature of accident forgiveness.|
|Recent Questions||Can my brother use his insurance for damage he caused to my vehicle?|
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|Compare More||USAA 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 USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||GEICO 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 GEICO vs. SAFECO GEICO vs. Safe Auto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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