USAA vs GEICO
Car Insurance

USAA and Geico are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. USAA was founded in 1922, while Geico was founded in 1936. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.

Compare all car insurance companies at once.

Your information is secure.

USAA or GEICO:
Which Company is Best for You?

Discount Comparison USAA GEICO
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 Comparison USAA GEICO
Financial Strength Superior Superior
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

N/A

Other Products USAA GEICO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features USAA GEICO
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.
Recent Questions My daughter cannot find insurance with bad driving record

My 19-year-old daughter has a 2011 Ford Focus. She has 1 speeding ticket (75 in a 55) and two minor ...

Will my personal car insurance rate increase if I had an accident that was covered by a commercial policy?

I drive my own car for a private company, and when I am on the clock my vehicle is covered ...

How do I recover my refund if I canceled a policy the day after the renewal?

I had to renew my car insurance, forgot the date, and renewed the next day. One day later I found ...

Can I get insurance on a car my girlfriend owns?

I live in Florida and my girlfriend owns the car, but I drive it to work everyday. I’ve already been ...

See More Questions
Can our insurance company completely drop us and all of our vehicles?

My dad pays insurance on all his cars and mine too. All vehicles are registered at his address, even my ...

If I mostly use Lyft or Uber, do I still need car insurance?

My 2001 Jetta is practically unusable at this point unless I spend another $400 to fix it, and who knows ...

Why can I not remove my son from my auto insurance policy with Geico?

My son was recently added to my policy by Geico and my rate went from $950 every six months to ...

If I started a claim with my insurance company but later decided to settle out of pocket with the other driver, will my rate still be impacted?

My son was involved in an accident and cited for failing to yield while making a left hand turn; the ...

See More Questions
Compare More vs. 21st Century vs. Allied vs. Allstate vs. American Family vs. Amica Mutual Insurance vs. Auto Club (AAA) vs. Erie vs. Esurance vs. Farmers vs. Foremost vs. Infinity vs. Liberty Mutual vs. Mercury vs. MetLife vs. Nationwide vs. Progressive vs. Safe Auto vs. Safeco vs. State Farm vs. The General vs. The Hartford vs. Titan vs. Travelers vs. 21st Century vs. Allied vs. Allstate vs. American Family vs. Amica Mutual Insurance vs. Auto Club (AAA) vs. Erie vs. Esurance vs. Farmers vs. Foremost vs. Infinity vs. Liberty Mutual vs. Mercury vs. MetLife vs. Nationwide vs. Progressive vs. Safe Auto vs. Safeco vs. State Farm vs. The General vs. The Hartford vs. Titan 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
Additional Resources:

USAA vs GEICO

Uber vs. Lyft: Which is Better for Riders and Drivers?
Uber vs. Lyft: Which is Better for Riders and Drivers?
Oct 12, 2017

In 2015, Josh Waldrum from The Zebra did an experiment to see if it was possible to give up your car...

How Do Car Insurance Companies Determine Rates?
How Do Car Insurance Companies Determine Rates?
Jun 15, 2017

If you’re one of the 250 million drivers in the United States, you’re required by law to have car insurance....

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). And we’d guess that...

Mexico Insurance: What Is It and What Companies Offer It?
Mexico Insurance: What Is It and What Companies Offer It?
Feb 06, 2017

Your U.S. driver’s license is valid nearly anywhere in the world you might find yourself driving. However, car insurance policies...

Can I Pay My Car Insurance with Bitcoin?
Can I Pay My Car Insurance with Bitcoin?
Jan 23, 2017

Unless you’re a whiz of the finance or technology variety, the concept of Bitcoin might still be mostly relegated to...

The Drones Are Coming
The Drones Are Coming
Jul 20, 2016

For the casual observer, drones still exist mostly at extreme ends of the spectrum: either they’re used for (controversial) warfare,...

Why GEICO and Allstate Will Be Hiking Their Rates
Why GEICO and Allstate Will Be Hiking Their Rates
Sep 09, 2015

With recent news of rate hikes for some of the biggest auto insurance companies, shopping around for the best price...

GEICO vs. Progressive: Which Company is Right for You?
GEICO vs. Progressive: Which Company is Right for You?
Jun 24, 2015

Looking for car insurance? Compare 200+ insurance companies in seconds & save way more than 15% →   GEICO vs...

You’ll Never Guess The Number One Suspect of Your Stolen Car
You’ll Never Guess The Number One Suspect of Your Stolen Car
Apr 27, 2015

If you’ve never had your car stolen, then you don’t know the sinking feeling that quickly turns to panic when...

Alarming New Study Finds You See More of Flo Than Your Mother
Alarming New Study Finds You See More of Flo Than Your Mother
Apr 01, 2015

By now it’s no secret that we have an active interest in all things car insurance here at Quoted, and...

Car Insurance for Non-Owners
Car Insurance for Non-Owners
Feb 09, 2015

Car insurance can be confusing enough when it comes to insuring a vehicle you own. But what happens when you...

Metromile and Uber: An Insurance Solution?
Metromile and Uber: An Insurance Solution?
Jan 29, 2015

We’ve written about Metromile and we’ve written about the insurance gap for rideshare drivers, but this week brought an interesting...

Should You Keep Car Insurance on a Car You’re Not Driving?
Should You Keep Car Insurance on a Car You’re Not Driving?
Jan 22, 2015

Maybe it’s a classic convertible; maybe it’s a car your son or daughter won’t need this semester; maybe it’s a...

Ridesharing and Car Insurance: A Little White Lie?
Ridesharing and Car Insurance: A Little White Lie?
Jan 02, 2015

When Harry Campbell first decided to supplement his 9 – 5 (as an aerospace engineer) by driving for Uber and...

You Should Buy a Car This Week—Or On New Year’s Eve
You Should Buy a Car This Week—Or On New Year’s Eve
Dec 23, 2014

Did you spend your Black Friday sleeping in, deep in a post-turkey coma instead of out fighting the 140-million strong...

Veteran Discounts for Car Insurance
Veteran Discounts for Car Insurance
Nov 11, 2014

2,266,883. That’s the number of troops currently serving at home and abroad in defense of this country. Today is Veteran’s...

How to Switch Car Insurance Companies (Without the Headache)
How to Switch Car Insurance Companies (Without the Headache)
Jul 22, 2014

Maybe a claim wasn’t handled well. Maybe a customer service rep was less-than-polite. Maybe you checked thezebra.com and found that...