Geico vs USAA: Who has the best car insurance?

Geico vs USAA car insurance comparison

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The battle of Geico vs USAA comes down to cost or support. Do you value better service on all your insurance policies or the cheapest rates?

The second-largest insurance company in the US, Geico provides discounts for members of the military and for those who need to insure more than one car. If those two situations don’t apply to you, don’t worry; there are many more discounts to be had. And its award-winning app puts help at your fingertips.

Founded in 1922, like Geico, USAA also serves members of the military. With competitive rates on car insurance and a great reputation for customer service, USAA is tempting to anyone who qualifies for membership. And there are many discounts to take advantage of.

Who’s the winner, Geico or USAA?

Both insurers are known for low rates. Geico’s rates average $69 per month less than USAA, in our independent study of insurance rates across multiple drivers and regions. But price isn’t everyting. USAA has consistently scored the highest marks for customer support, claims, bundling and more.

If you can qualify for USAA membership and value customer support, go with this top name provider. If you’re not connected to the military and value the cheapest rates, Geico’s probably your best bet.

  • For military members & family
  • Convenient service through the mobile app
  • Coverage around the world

Our top pick: USAA

USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

  • Save when you bundle your home and car insurance
  • Driver & vehicle discounts
  • 24/7 claims service through USAA’s free mobile app
  • Membership savings
  • Get dividends from company profits
  • Flexible premium payments

Compare Geico vs USAA

 

Geico

USAA

OVERVIEW

OVERVIEW
About the provider
About the brand Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching. USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.
States served
States served All 50 states All 50 states
User satisfaction
User satisfaction 3 stars 5 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Accident forgiveness Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
phone
online
Payment schedule
Payment schedule 12 months
6 months
12 months
6 months
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No No
Military discount
Military discount Yes 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 Yes Yes
Special employment discount
Special employment discount Yes Yes
Student discount
Student discount Yes, up to 15% Yes
Usage based discount
Usage based discount No Yes
Other discounts
Other discounts Seat belt use, up to 15% discount
Learn more
Learn more
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Bottom line

If you are a current or past member of the military, it’s hard to argue against USAA, especially considering its stellar ratings and its extension of coverage to family members. But don’t count Geico out. Geico offers a military discount, and when you add up all of the other discounts that Geico has to offer, they just might come out ahead.

Compare alternatives to Geico and USAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

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