Geico vs USAA: Who has better car insurance? |

Geico vs USAA: Who has the best car insurance?

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Geico vs USAA car insurance comparison

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?

About Geico and USAA

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?

While Geico has the lowest rates almost across the board compared to other national providers, 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





About the provider
About the provider As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. 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
J.D Power ratings
J.D Power ratings 5 stars 5 stars
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
Bundling discount
Bundling discount Yes Yes
Student discount
Student discount Yes, up to 15% Yes
Defensive driver discount
Defensive driver discount Yes Yes
Good driver discount
Good driver discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Multi car discount
Multi car discount Yes, up to 25% Yes
Military discount
Military discount Yes Yes
Home owner discount
Home owner discount No No
Anti theft device discount
Anti theft device discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Special employment discount
Special employment discount Yes Yes
Usage based discount
Usage based discount No Yes
Other discounts
Other discounts Seat belt use, up to 15% discount
Accident forgiveness
Accident forgiveness Yes, earned or bought Yes, 5 years accident free
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 Available states
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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