Geico vs. American Family: Which provider is better?

Geico vs. American Family

Trying to decide between Geico and American Family? American Family Insurance might not have the brand recognition that Geico has, but it aims to gain the trust of their customers through top-notch customer service and protection.

Geico and American Family both offer affordable car insurance through their many discounts, like Geico’s multi-car discount and American Family’s low mileage discount. So which one should you choose? Take a look at our side-by-side comparison below to find out which one is right for you.

	Geico	American Family
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.	For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.
Price	Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs.	Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.
States served	All 50 states	19
User satisfaction*	N/A	B+
J.D. Power ratings**	3/5 on overall claims satisfaction	4/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View 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	American Family
Good student	15% (full-time student, between 16-24 and B average or better)	Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driver		5-10% (55+, completed defensive driving course)
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)	Loyalty discount Early-bird discount Steer into Savings discount Low mileage discount – Drive less than 7,500 miles per year Teen Safe Driver discount – Enroll teen in free program Young volunteer discount – Under 25, 40+ hours per year volunteering for non-profit Generational discount – 18-24 with a parent who is an American Family customer KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)
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Vehicle discounts

	Geico	American Family
Anti-theft device	Up to 25% (comprehensive portion of premium)
Anti-lock brake	5% (collision portion of premium)
Passive restraints	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		Auto safety equipment – 10-30%
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Bottom line

If customer service is your top priority, then American Family is the winner. But Geico’s many discounts might make up for its average customer service. Keep your personal situation in mind when making your decision, and you’ll make the right choice.

Also be aware that American Family only offers coverage in 19 states.