Geico vs. American Family: Which provider is better?

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.

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Geico

Geico

American Family

American Family

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.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.
PricePolicy 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 servedAll 50 states19
User satisfaction*N/AB+
J.D. Power ratings**3/5 on overall claims satisfaction4/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

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


Driver discounts

Geico

Geico

American Family

American Family

Good student15% (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 driver5-10% (55+, completed defensive driving course)
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)

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)


Vehicle discounts

Geico

Geico

American Family

American Family

Anti-theft deviceUp to 25% (comprehensive portion of premium)
Anti-lock brake5% (collision portion of premium)
Passive restraintsN/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

Auto safety equipment – 10-30%

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.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

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