Geico vs. USAA: Which provider is better?

Geico vs. USAA: Which provider is better?

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.

GeicoGeicoUSAAUSAA
AboutGeico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind. 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.
PricePolicy 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 servedAll 50 statesAll 50 states
User satisfaction*N/AA+
J.D. Power ratings**3/5 on overall claims satisfaction5/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

Read Review

Compare all car insurance companies at once

Compare 7+ car insurance companies. Enter your zip code below and click ‘Compare Now’ to begin.

* Based on Better Business Bureau’s company rating ** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

GeicoGeicoUSAAUSAA
Good student15% (full-time student, between 16-24 and B average or better)Yes
Defensive driverYesYes
Good driverUp to 26% (5 years accident-free) Available (good driving record for more than 5 years)
Pay in full discountNoNo
Multi carUp to 25%Yes
MilitaryUp to 15% (active duty, retired of member of the National guard or Reserves)Yes
HomeownerNoNo
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

Read Review

Vehicle discounts

GeicoGeicoUSAAUSAA
Anti-theft deviceUp to 25% (comprehensive portion of premium)Yes
Anti-lock brake5% (collision portion of premium)No
Passive restraintsN/AN/A
Air bagUp to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)Yes
Other discounts
  • New vehicle discount – Vehicles under 3 years old Vehicle storage – Up to 60% (only for stored cars being insured)

Read Review

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 all car insurance companies at once

Compare 7+ car insurance companies. Enter your zip code below and click ‘Compare Now’ to begin.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site