AAA vs. Geico Car Insurance Comparison

Searching for car insurance can be overwhelming. However, depending on what you’re looking for, you may find that Geico and AAA are both excellent companies. Still, Geico and AAA have several differences that could impact which company would work best for you. 

As you compare Geico vs. AAA, you should consider each company’s rates, coverage options, discount opportunities, customer service ratings, and financial strength ratings to make an informed decision. While it’s important to try and find cheap auto insurance rates online, insurance rates are not the only factor you should consider.

Geico and AAA both have pros and cons, and you should consider them before deciding on your auto insurance coverage. You should also research different insurance companies and compare quotes to ensure you do not pay too much for your coverage.

AAA vs. Geico: A Brief Overview 

Comparing AAA vs. Geico car insurance is a good idea for anyone considering a new auto insurance policy. Both companies have excellent qualities but differ in a few important respects.

Geico Auto Insurance

Geico is a well-known auto insurance company, and the second-largest car insurance provider in the U.S. Some of the benefits of a Geico auto insurance policy include:

• Affordable rates for many policyholders
• Several coverage options to customize your policy
• Excellent scores for customer service and satisfaction

Geico offers competitive car insurance rates to many of its clients and may offer cheaper rates than AAA in certain circumstances. The company also offers multiple add-on coverage options for individuals to customize their auto insurance policies.

In addition, Geico generates high scores for both customer service and overall customer satisfaction. Customer reviews suggest that most policyholders are happy with their coverage and the company’s process regarding auto insurance claims. However, one of the biggest downsides to a Geico car insurance policy is a lack of Geico agents throughout the U.S.

If you’d like to learn more, you can visit our Geico auto insurance review.

AAA Auto Insurance

AAA is most popular for its roadside assistance plans. Still, the company offers auto insurance through individual AAA clubs throughout the U.S. Some of the major benefits of a car insurance policy with AAA include:

• Options for bundling policies
• Membership benefits
• Discount opportunities

AAA offers several different options for bundling policies. When you bundle insurance policies with AAA, you can save money on your insurance premiums. AAA also offers additional benefits to being a member, like roadside assistance and savings for rental cars and other travel-based expenses. AAA also offers policyholders discounts like good student, safety features, defensive driver, and paid-in-full.

Unfortunately, there are a few downsides to an AAA auto insurance policy, such as:

• Annual member fees
• Lack of coverage options
• Low scores for customer satisfaction

You must be an AAA member to purchase auto insurance with the company. AAA annual membership fees vary based on location. Most fees are anywhere from $60 to $120 per year. If you purchase AAA auto insurance, you will not have access to many add-on coverage options.

Additionally, AAA scores lower than average regarding customer satisfaction. As a result, many AAA auto insurance policyholders are unsatisfied with their coverage or the company’s customer service department. 

If you ave more questions about the company, check out our AAA auto insurance review.

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AAA Insurance vs. Geico: Which is better?

Geico scores higher in many respects regarding customer service and satisfaction. Policyholders with Geico are likely to recommend the company to family members and friends, and customers state they are happy with their coverage and customer service. 

AAA scored fairly low in terms of customer satisfaction. In addition, AAA policyholders rate the company low for the online experience, satisfaction with claims, ease of use, customer satisfaction, and willingness to recommend to others.

Geico scores better than AAA in all the major categories, including customer service, customer satisfaction, customer loyalty, and claims handling.

AAA vs. Geico: Which company offers better coverage?

Geico and AAA offer standard coverage options, like:

• Bodily injury liability insurance
• Property damage liability insurance
• Collision insurance
• Comprehensive insurance
• Uninsured/underinsured motorist coverage
• Personal injury protection coverage
• Medical payments coverage

Both companies offer add-on options like rental car reimbursement and mechanical breakdown coverage.

Geico vs. AAA Car Insurance Rates

Geico has cheaper rates on average than AAA. Still, your insurance rates will depend on factors like your driving history, credit score, age, location, and coverage.

Geico vs. AAA: Which is better if you have bad credit?

Your credit score can impact your insurance rates. However, Geico’s rates are cheaper for people with bad credit.

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

People with a credit score under 580 pay $2,051 annually or $168 per month for car insurance with Geico, while AAA charges around $6,569 annually or $547 each month. If you have a credit score between 580 and 669, you’ll pay $1,358 annually or $113 monthly with Geico. AAA charges $4,023 annually or $335 per month for the same demographic.

AAA charges individuals more for coverage even when they have exceptional credit. Before you purchase coverage with AAA or Geico, compare quotes with other companies to see if you can get cheaper rates.

Geico vs. AAA: Which is better for high-risk drivers?

If you have an at-fault accident, speeding ticket, or DUI on your driving record, you can expect to pay more for your car insurance. Still, you may find that some auto insurance companies offer cheaper rates for high-risk drivers.

Individuals with an accident on their record pay $1,857 annually or $155 per month for coverage with Geico. AAA charges $4,078 annually or $340 per month if you have an accident on your driving record.

Finding the best auto insurance for drivers with a DUI can be difficult. A DUI can raise your auto insurance rates by as much as 100%. With Geico, you’ll pay $2,550 annually or $213 per month for coverage if you have a DUI, while AAA charges $5,530 annually or $461 per month for auto insurance.

If you have a speeding ticket on your driving record, you’ll pay $1,395 annually or $116 per month with Geico. AAA charges $4,078 annually or $340 for the same demographic.

Geico vs. AAA: Which is better for teen and young adult drivers?

Auto insurance for teens and young drivers typically costs more than any other group. So if you’re a driver under 25, you should consider purchasing coverage with Geico. The company offers policies for over $6,000 less than those with AAA.

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

As you can see, younger drivers can save money with Geico. Unfortunately, AAA charges significantly higher rates for teen and young adult drivers.

You may be able to save money on your auto insurance policy if you add yourself to a parent or guardian’s car insurance policy. In addition, many companies offer discounts for teens and young adults who join an adult’s policy.

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AAA vs. Geico: Which offers better discounts?

AAA and Geico offer auto insurance discounts to policyholders. Both companies offer the following discounts to their customers:

• Good student
• Multi-policy
• Multi-vehicle
• Anti-theft
• Airbags
• Good driver
• Defensive driver
• Driver training
• Affinity membership
• Telematics
• New car

Geico also offers discounts for anti-lock brakes, senior citizens, and members of the military members. In addition, AAA policyholders can receive discounts for students away at school, advanced purchases, paid-in-full, and low annual mileage.

Discounts can help you save up to 25% on your auto insurance. Speak with a company representative to see how much you could save on your car insurance rates if you qualify for a discount.

Geico and AAA: Telematics Programs

Telematics, or usage-based insurance systems, allow companies to offer lower rates to drivers who practice safe habits behind the wheel. Geico and AAA offer telematics programs, and they are fairly similar.

Geico DriveEasy

Geico’s DriveEasy program tracks habits like your speed, braking, acceleration, driving time of day, and mileage. The company offers cheaper rates for safe drivers, though Geico does not specify how much you will save on its website.

The DriveEasy app has 3.5 out of five stars for both Google Play and the Apple Store.

AAA OnBoard

With OnBoard, you can save up to 30% on your car insurance. In addition, AAA tracks the same things that Geico does, and the company offers a 15% discount just for signing up for the program. AAA’s Auto Club app has 4.7 out of five stars on the Apple Store and 4.3 out of five stars on Google Play.

AAA vs. Geico: Roadside assistance

You may think AAA has a better roadside assistance plan because of its popularity, but the roadside assistance coverage with Geico and AAA are fairly similar.

With Geico’s roadside assistance, you’ll get:

• Towing services
• Jump starts
• Tire services
• Lockout services (up to $100)
• Fuel delivery
• Winching

In comparison, AAA offers the following services with its roadside assistance plan:

• Towing
• Jump starts
• Fuel delivery
• Lockout services
• Tire services
• Extricating 
• Trip interruption

The one thing AAA offers that Geico does not in terms of roadside assistance is its trip interruption coverage. 

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AAA vs. Geico: The Bottom Line

Geico and AAA offer auto insurance with different coverage options and discount opportunities. A Geico vs. AAA insurance comparison shows that Geico offers lower coverage rates and has better ratings for customer service and customer satisfaction.

AAA car insurance rates are higher, and policyholders must pay an annual fee to maintain their auto insurance coverage. Before you commit to Geico or AAA, compare quotes from several companies to learn which offers the coverage you need at a price that works with your budget.

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