USAA vs. Geico Auto Insurance Comparison

Deciding on a car insurance company can take time and effort, especially when comparing similar insurers. For example, USAA and Geico are two of the top car insurance companies in the country. However, while they offer low rates and excellent service, they are very different insurers.

We’ll compare USAA and Geico head to head to help you decide if either company is right for you. While low rates are essential, we will also look at coverages, ratings, and discounts.

Keep reading our USAA vs. Geico car insurance comparison to determine which insurer is right for you.

USAA vs. Geico: Which auto insurance company is best?

Since many factors affect car insurance rates and coverage needs vary, there’s not one company that’s best for all drivers. It’s best to compare multiple options to find the right insurance company for you. 

However, USAA and Geico are typically the cheapest car insurance companies. They both offer various coverages and discounts and have great ratings. But USAA isn’t available to everyone.

USAA was founded in 1922 by Army officers and still insures military members today. In addition, USAA auto insurance is typically the cheapest among all top companies. However, USAA only provides coverage to veterans, military members, and their families. So, only some drivers qualify for coverage.

Geico, or Government Employees Insurance Company, began in 1936 and initially only insured government employees. However, it has since branched out to offer coverage to all drivers.

If you don’t qualify for USAA, Geico auto insurance is affordable and available to all drivers. In addition, Geico offers military discounts to lower rates further.

USAA and Geico are available in all 50 states, and both companies have excellent financial and customer service ratings.

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USAA and Geico Auto Insurance Comparison

Let’s look closely at the pros and cons of USAA and Geico. While they are both top companies, each has its advantages and disadvantages.

USAA Auto Insurance Pros and Cons

Pros of choosing USAA auto insurance include:

• Lowest rates for most drivers
• Available in all 50 states
• Knowledgeable about the challenges military personnel face

Cons of USAA auto insurance:

• Only available to military members and their families
• No additional discounts for military

USAA is a solid choice for car insurance if you qualify. However, many drivers don’t.

Geico Pros and Cons

Pros of Geico car insurance include:

• Available to all drivers
• Very low rates below the national average
• Military discounts

Cons of Geico include:

• Rates are higher than USAA
• Missing some coverages like GAP and glass coverage

If you don’t qualify for USAA, consider Geico. With low rates and various discounts, Geico rates can rival USAA for most drivers.

USAA vs. Geico car insurance: Which one is cheaper?

Many factors affect auto insurance rates, including your age, driving record, and credit score. Since these factors vary by driver, there isn’t a definitive answer to which company is cheaper.

We’ll break down rate information into several categories to give you an idea of which company has the lowest average rates.

Remember, these are average rates, and quotes vary. 

USAA vs. Geico Car Insurance Rates Based on Age

It’s no secret that young drivers have higher car insurance rates due to a lack of experience behind the wheel. However, while rates start very high for young drivers, fortunately, they decrease as drivers age. Find out why auto insurance costs more for young drivers.

This table shows the average monthly car insurance rates from USAA and Geico for various ages.

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

Is USAA cheaper than Geico for young drivers, or does Geico have the lowest rates? While Geico and USAA offer low rates for all age groups, the USAA rates are the lowest.

USAA vs. Geico Car Auto Insurance Rates Based on Driving Record

Your driving record is one of the most significant factors impacting your car insurance rates. Auto insurance companies check driving records, and, as a result, drivers with accidents, tickets, and DUIs see higher rates since they are considered risky drivers and are likely to cost the insurance company money.

This table shows the average monthly rates from USAA and Geico based on driving records.

Auto Insurance Monthly Rates by Driving Record & Provider

USAA rates are the lowest regardless of your driving record. However, these rates still increase significantly with infractions.

USAA vs. Geico Auto Insurance Rates Based on Credit Score

You might not know this, but your credit score impacts your auto insurance rates. This is because, typically, drivers with a higher credit score are more likely to pay for repairs themselves and avoid filing accident claims.

This table shows the average USAA and Geico monthly rates for drivers based on credit scores.

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

While both companies’ rates increase if you have a bad credit score, USAA comes out to be the least expensive.

Keep in mind that some states, like California, don’t allow insurance companies to consider credit scores when calculating rates. However, most states still allow the practice.

Geico vs. USAA Auto Insurance Coverages

Geico and USAA are two of the top car insurance companies in the U.S. and offer many of the same coverages. 

For example, they both provide:

• liability insurance, 
• collision insurance, 
• comprehensive insurance, 
• uninsured and underinsured motorist coverage, and 
• personal injury protection.

USAA and Geico also offer add-ons, including roadside assistance, rental car reimbursement, and usage-based insurance.

Both companies provide car insurance coverage that meets or exceeds the state minimum auto insurance requirements. However, there are some differences between the available car insurance options offered by Geico and USAA.

Keep reading for a detailed list of coverages.

Do USAA and Geico offer the same auto insurance coverage?

USAA offers GAP, glass repair or replacement, and car replacement coverages, all of which Geico doesn’t offer. On the other hand, Geico provides mechanical breakdown coverage, which helps pay for mechanical problems like a broken clutch.

Available coverages may determine if USAA or Geico is your best option. For example, drivers who lease a car may choose USAA since they’ll be required to carry GAP insurance coverage.

Geico vs. USAA Usage-Based Auto Insurance

Geico and USAA both offer usage-based car insurance discounts. Usage-based car insurance, or telematics, is a system that monitors driving habits and calculates a discount based on how safely you drive. However, there are differences between the programs offered by USAA and Geico.

Geico DriveEasy uses an app to monitor driving behaviors, including distracted driving, hard braking, and mileage. Drivers who score well on the monitored habits earn up to a 25% discount.

However, DriveEasy is only available in 28 states, and Geico may raise rates if the program records risky driving behaviors. 

Geico DriveEasy is a good fit for low-mileage drivers who don’t use their phones while driving and don’t hit their brakes hard very often. Drivers uncertain of their safe driving skills may not want to risk the potential rate increase.

USAA SafePilot also uses an app to monitor driving habits like hard braking, phone use, and speed. Drivers can earn up to a 30% discount if they score well.

SafePilot is available in 41 states, and USAA doesn’t raise rates if you score poorly.

USAA SafePilot is a good option for drivers who stay off their phones and don’t routinely brake hard. In addition, there’s no risk to trying SafePilot since your rates won’t increase no matter how you score.

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USAA vs. Geico Auto Insurance Discounts

USAA and Geico offer various auto insurance discounts to help drivers get the cheapest coverage. Most insurers base discounts on the driver, policy, and vehicle, such as safe driver, multi-policy, and safety feature discounts.

While USAA and Geico offer many of the same discounts, there are some differences. For example, USAA provides a family discount, and Geico doesn’t. On the other hand, Geico offers a federal employee discount, and USAA does not.

Although USAA typically has lower rates than Geico, available discounts may make Geico the better option.

Do USAA and Geico offer military discounts?

USAA doesn’t offer a military discount since it provides very low rates to military members. However, it does provide other discounts that military members can take advantage of, including a 15% garaging discount if you leave your car on a military base while deployed.

On the other hand, Geico does offer a 15% military discount for active members and veterans. It also provides a 25% discount to drivers deployed in imminent danger pay areas. 

Geico vs. USAA Auto Insurance Financial and Customer Satisfaction Ratings

While rates are significant, your car insurance company must also be dependable. Financial and customer satisfaction ratings are also crucial, as you want your insurance company to be there when you need it.

Keep reading to learn how Geico and USAA rank in multiple categories.

Financial Stability

A.M. Best rates companies on financial stability. A.M Best gave USAA an A++; however, Geico also earned an A++ from A.M Best, which shows a superior ability to meet financial obligations for both companies. So, if you have to file an auto insurance claim, USAA and Geico can easily pay.

Customer Satisfaction

J.D. Power rates companies on customer satisfaction in areas like billing, products offered, and customer service. While USAA scored above average in all regions, Geico scored around or below average in most areas.

Customer Service

The Better Business Bureau (BBB) rates companies on how well they interact with customers. The BBB gave Geico an A+ rating. USAA also received an A+ rating, showing a willingness to work with customers and resolve complaints.

USAA vs. Geico Auto Insurance: The Bottom Line

USAA and Geico are two of the top car insurance companies with low rates and multiple coverage options. Although USAA car insurance is typically cheaper than Geico, only military members can take advantage of USAA coverage.

USAA and Geico offer multiple car insurance discounts, have excellent ratings, and are available in all states.  

Since rates vary widely by the driver, it’s best to compare USAA and Geico car insurance quotes to determine which is right for you.

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