Geico vs. USAA: Which provider is better?

Geico vs. USAA: Which provider is better?

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Geico vs. 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. They offer competitive rates on car insurance and have a great reputation for customer service. And there are many discounts to take advantage of.

With similarities between Geico and USAA, how do you pick the right provider? We’ve made it easier by making a side by side comparison of the two. Check out the pros and cons of each provider below.

Geico

Geico

USAA

USAA

About the provider Geico is a household name and one of the largest car insurance companies in the US. Since its origins in 1937, customers have been flocking to Geico for their insurance needs. It also offers discounts via Snapshot, a usage-based insurance program. Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more.
Price Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs. Policy costs depend your personal situation. Visit USAA for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* N/A A+
J.D. Power ratings** 3/5 on overall claims satisfaction 5/5 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

Geico

USAA

USAA

Good student 15% (full-time student, between 16-24 and B average or better)
Defensive driver
Good driver Up to 26% (5 years accident-free) Good driving record for more than 5 years
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)

Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21


Vehicle discounts

Geico

Geico

USAA

USAA

Anti-theft device Up to 25% (comprehensive portion of premium)
Anti-lock brake 5% (collision portion of premium)
Passive restraints N/A 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

New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)

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.

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