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Geico vs USAA: Who has the best car insurance?

Geico vs USAA car insurance comparison


Fact checked

Both Geico and USAA offer low rates. Geico averaged $69 per month less than USAA, in our independent study of insurance rates for multiple drivers and regions. Geico also offers steep discounts, including military and bundling savings. However, USAA consistently scores the highest marks for customer support, claims and bundling.

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?

Who’s the winner, Geico or USAA?

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.

As the second-largest US insurance company, 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, USAA serves members of the military, similar to Geico. 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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Top-rated insurer with 80 years of experience.
  • Easy online sign-up and reporting.
  • Multiple discounts available.
  • Transparent quoting.
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Compare Geico vs USAA





About the provider
About the brand Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. Affordable car insurance with highly rated customer service for 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


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


Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes
Bundling discount
Bundling discount Varies Yes
Home owner discount
Home owner discount No Yes
Military discount
Military discount Yes, up to 15% 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 Varies 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
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
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
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Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Compare up to 4 providers

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