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
|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.|
|All 50 states||All 50 states|
|3 stars||5 stars|
|5 stars||5 stars|
|Yes, up to 15%||Yes|
|Yes, up to 25%||Yes|
|Yes, up to 15%||Yes|
|Seat belt use, up to 15% discount|
|Yes, earned or bought||Yes, 5 years accident free|
** Based on the 2016 U.S Auto Claims Satisfaction Study
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.