AAA vs. GEICO Car Insurance
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GEICO vs Auto Club (AAA): Which is the best company for you?
Selecting a car insurance company can be challenging. Every service provider has different rates concerning age, driving history, and location, with each company offering various discounts. GEICO and Auto Club (AAA) are the country’s most popular insurers, providing high-quality insurance policies in most of the states.
To make shopping around for insurance seamless, we have come up with average policy prices from GEICO and Auto Club (AAA). These encapsulate an array of rating factors, driving behavior, credit, and age. Look at the information below to find the perfect policy suited just for you.
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GEICO vs Auto Club (AAA) Car Insurance rates
GEICO vs Auto Club (AAA): Rates according to credit level
If you happen to have bad credit, then GEICO is the best choice for you. GEICO, on average, provides more affordable rates compared to Auto Club (AAA) for drivers with a credit score of less than 580. Insurance shoppers with excellent credit – a score of over 800 – should consider going with GEICO, which beats Auto Club (AAA) by $1,750 every year. Look at the average insurance costs according to their credit for GEICO and Auto Club (AAA) below.
Insurance rate comparison based on credit score: GEICO VS. Allstate
| Credit score | GEICO avg. annual premium | Auto Club (AAA) avg. annual premium |
|---|---|---|
| Very Poor (300-579) | $2,050 | $6,562 |
| Fair (580-669) | $1,356 | $4,027 |
| Good (670-739) | $1,483 | $3,728 |
| Very Good (740-799) | $1,121 | $3,006 |
| Exceptional (800-850) | $1,063 | $2,814 |
GEICO vs Auto Club (AAA): Comparing their high-risk insurance rate
GEICO vs Auto Club (AAA): Rates according to credit level
GEICO could turn out to be a better option if you have an at-fault reckless driving quotation, speeding ticket, DUI, or collision on your record as compared to going with Auto Club (AAA). Insurance companies price their policies differently, so don’t worry about shopping around if you want a deeper understanding of the insurer that best suits you.
Rates according to citation: GEICO vs Auto Club (AAA)
| Citation | GEICO avg. annual premium | Auto Club (AAA) avg. annual premium |
|---|---|---|
| At-fault accident (damage < $1,000) | $1,855 | $4,071 |
| At-fault accident (damage > $1,000) | $1,588 | $4,008 |
| DUI/DWI | $2,553 | $5,536 |
| Reckless driving | $2,236 | $5,531 |
| Speeding ticket | $1,396 | $4,070 |
Compare Auto Rates from Top Rated Carriers
GEICO vs Auto Club (AAA): rates according to age
Most insurance companies assign rates by using age to show risk. For teens, car insurance is pretty pricey – given their lack of experience – and very cost-effective for older drivers. Since each car insurance service provider assesses their age tiers differently, it's prudent to shop around if you want the best value for money.
As a rule of thumb, teen drivers should go for GEICO instead of Auto Club (AAA): GEICO provides yearly savings of up to $6,748 than that of Auto Club (AAA).
Rates according to age bracket: GEICO Versus Auto Club (AA)
| Age | GEICO avg. annual premium | Auto Club (AAA) avg. annual premium |
|---|---|---|
| Teens | $3,501 | $10,258 |
| 20s | $1,431 | $4,646 |
| 30s | $1,210 | $4,649 |
| 40s | $1,189 | $3,190 |
| 50s | $1,169 | $3,089 |
| 60s | $1,060 | $2,888 |
Apart from being budget-friendly, GEICO and Auto Club (AAA) comes with an array of advantages and disadvantages, including their discount programs, financial stability, client satisfaction ratings, and add-ons. Ensure you’ve weighed all these elements before making a decision.
| Discount Comparison | GEICO | Auto Club (AAA) |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | GEICO | Auto Club (AAA) |
|---|---|---|
| Financial Strength | Superior | Good |
| JD Power Rankings |
|
|
| User Satisfaction |
N/A |
N/A |
| Other Products | GEICO | Auto Club (AAA) |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Additional Features | GEICO | Auto Club (AAA) |
|---|---|---|
| About | Instead of having to rely on independent agents to offer excellent service and top-notch coverage to valued clients, Geico utilizes a direct-to-consumer sales model. | Auto Club provides its clients with competitive rates, customizable payment options, and exceptional features. |
| Roadside Assistance | A mobile app can be used to request service from Geico's Emergency Roadside Service. You will be assisted if you need towing, gas delivery, locksmith services, have a dead battery, or a flat tire. | AAA provides three tiers of 24/7 Roadside service: Premier, Plus and Classic, which include emergency starting, flat tire assistance, fuel delivery, towing, battery service, locksmith service, and winching/extrication service. AAA membership offers coverage to you, not your car, so you can make a phone call whether you’re in your vehicle, friend’s car, or a rental. Every AAA cardholder has the right to make up to four Roadside Assistance services or get a reimbursement per membership year at a zero charge. |
| Additional Discounts | Geico provides an extra discount for cars that have daytime running lights. What’s more, Geico also offers the policy feature of getting accident forgiveness. | AAA provides additional Garage Parking Discounts and maintains an extensive rewards program for AAA members. |
Frequently Asked Questions
My 18-year-old is purchasing a used car that’s going to be paid off, which is the best auto insurance to choose?
Unfortunately, auto insurance for an 18-year-old, especially for their separate policy, is very expensive – $3,400+, which is over the national average.
What’s the upside?
We recommend combining insurance policies, so adding your kid to yours is the best course of action.
My son recently received a DUI, I want to sell the car and remove him from my Geico insurance policy. Should I make a report to Geico?
If you’re repairing the damage to the car your son caused using your insurance, you will have to file a claim telling your insurer what exactly happened. That filed claim will negatively impact your rate, but eliminating your son from your policy won’t impact it as compared to letting him remain there – since your son has a DUI record, it will then increase your rates on top of the accident. Any further questions could be handled directly with an agent.
After an accident, can I get accident forgiveness?
I am very sorry, you will not be eligible for accident forgiveness, and the accident won’t be forgiven or removed from your file. There are specific rules when it comes to accident forgiveness depending on the company – typically, you will have to be accident-free for some years before the incident can be forgiven.
Does State Farm compare auto insurance quotes with other companies?
The truth is, no. Rates of auto insurance companies are determined based on the previous’ year filings and other factors.
See More Questions
Can I bundle my renters and new car insurance?
We’ve got multiple insurance companies that are capable of fitting your needs. Sadly, we are currently not quoting renters insurance on our website, but we can help you get a quote with our agency.
Does roadside assistance cover people that aren’t in your policy?
There isn’t a roadside assistance program I have heard of that doesn’t offer their help to somebody permitted to drive the car. Though the majority of insurance companies prefer the driver in the vehicle at the time to be under the policy, there are provisions in the insurance policy that offer an extending hand to infrequent users.
Client service for AAA auto insurance versus AAA roadside assistance?
In general, the insurance company offers a streamlined customer service setup that is regulated at the state level. This means everything has to be consistent and in line with their standards.
My car was parked at the time it got totaled. What do I do?
Get in touch with your insurance company and inform them about the scenario. The insurance company of the driver who hit you should pay for your damages up to that policy’s limit. But in the event it doesn’t cover to everything, your insurance company should help cover the remainder.