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Geico vs USAA: Who has the best car insurance?

Geico vs USAA car insurance comparison

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The choice between Geico vs. USAA comes down to cost or support. Both Geico and USAA offer cheap rates, but Geico’s probably your best bet for the cheapest rates with an average $1,102 per year. Yet USAA doesn’t cost much more with its average $1,226 per year.

Most drivers will go with Geico because of its cheap rates and wide customer base, including people not connected to the military. However, if you qualify for a USAA membership, go with this top car insurance company because it’s known for its quality customer support and low rates.

Compare both companies side by side to make the best decision for your car insurance needs.

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.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Geico vs USAA

 

Geico

USAA

OVERVIEW

OVERVIEW
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

COVERAGE

COVERAGE
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
Yes
Claims methods
Claims methods Online
Phone
Agent
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
6 months
custom

DISCOUNTS

DISCOUNTS
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
Progressive
Optional
30%
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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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