Geico vs. AAA: Which provider is better?

Geico vs. AAA

Just about everyone has heard of Geico and AAA, but not everyone realizes that AAA doesn’t just provide roadside assistance and travel discount. AAA also offers car insurance. If you’re considering these two providers for coverage, we’ve got the info you need to make your decision.

Geico services all 50 states and offers many discounts in an effort to bring down the cost of your insurance. Their innovative app allows you to view your policy, submit a claim or even find the cheapest gas in your area.With AAA, you’re required to be a member, which adds to the cost of your insurance. But with that membership come perks like roadside assistance, trip planning and travel discounts.

Which one will you choose? Below you’ll find a side-by-side comparison of Geico and AAA to help you select the one that best suits your needs.

	Geico	AAA
About the provider	Geico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind.	AAA is a non-profit that has been serving motorists for over 100 years. With nearly 55.6 million members, the elite federation of motor clubs is known for its roadside assistance, discounts and rewards, and hands on customer service.
Price	Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs.	Policy costs depend your personal situation. Visit AAA for a quote based on your specific needs.
States served	All 50 states	All 50 states
User satisfaction*	N/A	N/A
J.D. Power ratings**	3/5 on overall claims satisfaction	3/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
	Read Review	Read Review

* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

	Geico	AAA
Good student	(full-time student, between 16-24 and B average or better)
Defensive driver
Good driver	Up to 26% (5 years accident-free)
Pay in full discount
Multicar	Up to 25%
Military	Up to 15% (active duty, retired of member of the National guard or Reserves)
Homeowner
Other discounts	Federal employee – Up to 8% Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces) Multi-policy / Multi-line discount – Varies Membership and employee discount – Varies Seat belt use – 15% (medical payments or personal injury portion of premium)
	Read Review	Read Review

Vehicle discounts

	Geico	AAA
Anti-theft device	Up to 25% (comprehensive portion of premium)
Anti-lock brake	Up to 25% (comprehensive portion of premium)
Passive restraints	N/A	N/A
Air bag	Up to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)
Other discounts		New vehicle discount
	Read Review	Read Review

Bottom line

If you’re looking for the benefits that come with a AAA membership, then AAA might work best for you. But if the cost of your insurance is what is most important, look carefully at the discounts that each offers to determine which company will save you the most money.