USAA vs GEICO Car Insurance

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USAA or GEICO:
Which Company is Best for You?

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.

 

Compare USAA vs. GEICO auto insurance rates

 

USAA vs. GEICO: prices by credit level

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.

 

RATES BY CREDIT LEVEL: GEICO VS. 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: costs for high-risk drivers

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.

 

RATES BY CITATION: GEICO VS. USAA
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
DUI/DWI$1,952$2,550
Reckless driving$1,472$2,238
Speeding ticket$1,124$1,395

 

USAA vs. GEICO: rates by age bracket

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.

 

RATES BY AGE BRACKET: GEICO VS. USAA
AgeUSAA avg. annual premiumGEICO avg. annual premium
Teens$2,864$3,508
20s$1,261$1,438
30s$963$1,438
40s$957$1,189
50s$889$1,160
60s$845$1,065

 

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.

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
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonUSAAGEICO
Financial Strength SuperiorSuperior
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

N/A

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 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 QuestionsCan my brother use his insurance for damage he caused to my vehicle?

I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...

Agree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

See More Questions
Does State Farm match auto insurance quotes with other companies?

In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...

Will a hit and run impact my car insurance premium in CA?

My car was hit while parked, there is a scratch and dent. If I report it will it affect my ...

Will Geico increase my rates if I file a windshield claim?

Not further question....

Statute of limitations to file a claim with Geico in Vermont

We have Geico for my truck in Vermont. We were going home and came around a bend and there were ...

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 USAA vs. SAFECO USAA vs. SafeAuto 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 GEICO vs. SAFECO GEICO vs. SafeAuto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

USAA vs GEICO

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