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Geico vs AAA car insurance

Geico vs AAA: Who has better car insurance?

Choosing between Geico vs. AAA comes down to cheap rates or coverage benefits. Geico has the slight edge on rates, averaging $50 less per month than competitors. But AAA offers top-notch roadside service coupled with trip planning and travel discounts, perks that could pay for its higher rates and membership. In the end, you might choose Geico for the cheapest rates, or AAA if you take frequent road trips and need travel benefits.

Consider which car insurance company’s coverage and benefits give you the best value for your needs.

Geico

AAA

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. Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
States served
States served All 50 states
AK, AZ, CA, MT, NV, UT and WY

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection 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
email
phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
6 months
monthly

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 Yes, up to 37%
Military discount
Military discount Yes, up to 15% No
Multi car discount
Multi car discount Yes, up to 25% Yes, up 27%
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 Yes, Varies by state Yes, up to 20%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes, up to 15% Yes, up to 14%
Usage based discount
Usage based discount No No
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
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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