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Geico vs AAA car insurance

Geico vs AAA: Who has better car insurance?

Updated

Fact checked

Both Geico and AAA are known for their discounts and savings in different ways. In our independent review of thousands of car insurance rates, Geico has the edge with its rates averaging $50 less per month than top competitors. That said, AAA offers top-notch roadside service coupled with trip planning and travel discounts. Those perks could pay for its higher rates and membership.

 

Geico

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served All 50 states AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Agent
online
phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes
Bundling discount
Bundling discount Varies Yes
Home owner discount
Home owner discount No No
Military discount
Military discount Yes, up to 15% Yes
Multi car discount
Multi car discount Yes, up to 25% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Safe driver discount
Safe driver discount Varies Yes, up to 10%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes, up to 15% Yes
Usage based discount
Usage based discount No Yes
Learn more
Learn more

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. Compare all your options to find the best car insurance for you.

Compare alternatives to Geico and AAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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