Ameriprise vs Geico: Who has better car insurance?

Weigh your options with better rates or more rewards if you're a Costco member.

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Ameriprise and Costco partner to offer discounts on your Costco membership and perks for your insurance. However, Gieco tends to beat Ameriprise with lower rates across the board for all drivers.

As for customer support, Ameriprise touts stellar customer ratings in most categories. And it’s loyalty rewards increase the longer you’ve been a member. You’ll find a wider range of perks from Ameriprise, such as free roadside assistance and windshield deductible waiver. But Geico is available in more states.

  • Save over $500 a year when you switch
  • Innovative mobile app
  • Easy repair process

Our top pick: Geico

It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.

  • Tons of discounts
  • Innovative mobile app
  • Easy repair process

Compare Ameriprise/Costco vs Geico car insurance

 

Ameriprise

Geico

OVERVIEW

OVERVIEW
About the provider
About the brand To cut down on the cost of car insurance, check out Ameriprise — a budget-friendly provider with a high-profile partnership with Costco. Along with low premiums, the company rewards shoppers, loyal clients, students and safe drivers with deep discounts.
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
States served
States served AL, AZ, CO, DE, DC, GA, IL, IN, IA, KS, KY, MD, MA, MI, MS, MO, MT, NE, NV, NM, NY, OH, OK, OR, PA, SC, SD, TX, UT, VT, VA, WV, WI All 50 states
User satisfaction
User satisfaction Not rated 3 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Accident forgiveness No Yes
SR-22 insurance
SR-22 insurance No
Yes
Claims methods
Claims methods online
online
phone
Payment schedule
Payment schedule 6 months
custom
12 months
6 months

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes Yes, up to 25%
Paid in full discount
Paid in full discount No Yes
Safety device discount
Safety device discount Yes Yes, up to 15%
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes, up to 15%
Usage based discount
Usage based discount No No
Other discounts
Other discounts Costco member discount Seat belt use, up to 15% discount
Learn more
Learn more

Bottom line

You might get a bigger deal at Geico, but Ameriprise may offer you a better deal if you’re a Costco member. Compare quotes from both providers to choose the right one for you.

Compare alternatives to Ameriprise and Geico

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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