Geico vs. AAA: Which provider is better?

Geico vs. AAA: Which provider is better?

Geico vs. AAA

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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.

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Geico

Geico

AAA

AAA

About the providerGeico’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.
PricePolicy 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 servedAll 50 statesAll 50 states
User satisfaction*N/AN/A
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

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


Driver discounts

Geico

Geico

AAA

AAA

Good student(full-time student, between 16-24 and B average or better)
Defensive driver
Good driverUp to 26% (5 years accident-free)
Pay in full discount
MulticarUp to 25%
MilitaryUp 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)

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Vehicle discounts

Geico

Geico

AAA

AAA

Anti-theft deviceUp to 25% (comprehensive portion of premium)
Anti-lock brakeUp to 25% (comprehensive portion of premium)
Passive restraintsN/AN/A
Air bagUp 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

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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.

Find the cheapest rate near you

Enter your ZIP code below and click Compare Now to find the best rates near you.

Your information is secure.

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