USAA vs. Geico Car Insurance

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USAA vs Geico: Which Car Insurance Company is Best for You?

It can be challenging to find the best car insurance company for you. Some essential factors insurers used to determine your rate are your driving record, age, vehicle, and location. Most companies also offer a variety of discounts that can be beneficial for almost every customer. USAA and Geico are two of the most popular insurance companies in the US.

To help you better understand and compare rates for your car insurance policy, we have compiled typical rates from both USAA and USAA covering a range of various pricing factors, including age, driving history, and credit level. Compare rates today using our free insurance comparison tool to find an affordable car insurance policy for you and your family.

Read our comprehensive reviews of USAA and Geico.

Comparing USAA vs. Geico Car Insurance Rates

USAA vs. Geico: Rates by Credit Score

If you have a low credit score, then your best option is probably Geico. Depending on how good your credit score is, you may find USAA is the best option. Insurance shoppers who have high credit scores have lower-priced annual premiums when choosing USAA.

See typical car insurance costs for Geico and USAA by credit tier below:

RATES BY CREDIT SCORE: Geico vs. USAA
Credit level USAA avg. annual premium GEICO avg. annual premium
Very Poor (300-579) $2,682 $2,051
Fair (580-669) $1,245 $1,359
Good (670-739) $1,059 $1,488
Very Good (740-799) $912 $3,006
Exceptional (800-850) $845 $1,063

USAA vs. Geico: Rates for Drivers with Bad Driving Records

USAA offers better rates than Geico for drivers with bad driving records. Consider using USAA if you have a DUI/DWI, reckless driving, speeding ticket, or an at-fault accident on your driving record.

RATES BY VIOLATION: Geico vs. USAA
Violation USAA avg. annual premium GEICO avg. annual premium
At-Fault Accident (<$1,000 in Damages) $1,305 $1,851
At-Fault Accident (>$1,000 in Damages) $940 $1,581
DWI/DUI $1,953 $2,555
Reckless Driving $1,474 $2,233
Speeding ticket $1,126 $1,399

USAA vs. Geico: Rates by Age

Young drivers typically have higher rates than those who are older due to a lack of experience behind the wheel. When comparing rates, USAA consistently offered cheaper car insurance rates for all age groups.

Feel free to check out our free insurance quote comparison tool at InusranceOnline.com to compare multiple providers and find the best policy for you.

RATES BY AGE: Geico vs. USAA
Age bracket USAA avg. annual premium GEICO avg. annual premium
Teens $2,861 $3,500
20s $1,260 $1,430
30s $965 $1,431
40s $959 $1,187
50s $880 $1,169
60s $842 $1,067

In addition to the cost, Geico and USAA each have their own ratings for financial stability, customer satisfaction, addons, and discount programs. Before making your final decision on which car insurance company to choose, review our discount comparison of Geico and USAA:

Discount USAA GEICO
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 USAA GEICO
Financial Strength  Superior Superior
JD Power Rankings 
5 out of 5
3 out of 5
User Satisfaction 
A++
N/A
Other Products USAA GEICO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features USAA GEICO
About USAA is well-known for making its customers' needs a top priority, its outstanding product, and award-winning services. Geico makes use of a direct-to-consumer sales model instead of independent agents to offer its valued customers superior coverage and outstanding service.
Roadside Assistance The USAA Extended Vehicle Protection programs include 24-hour roadside assistance. USAA offers many services, such as fuel delivery, towing, tire change, or jump-starting. Geico offers an app that helps you request services from its Emergency Roadside service. You will be guided through the app if your having any issues with your vehicle on the road.
Additional Discounts USAA provides discounts for vehicles in storage in addition to a legacy discount for those members who are less than 25 years old and have USAA car insurance. Geico offers a variety of discounts for different drivers and cars. Some include vehicles that have daytime running lights and accident forgiveness. Find out which discounts you may qualify for.

Frequently Asked Questions

USAA

Our son-in-law is in the Navy (USAA member). Can we join as well?

Parents cannot join USAA. The eligibility for USAA flows downstream - i.e. to descendants.

Can my brother use his insurance to pay for the damage that he caused to my car?

Unfortunately, car insurance does not follow the driver, it follows the vehicle. In this situation, your brother will not be able to use his insurance to cover the damages that he caused to your car.

Can I obtain USAA insurance from my son-in-law?

In order to qualify you either need to be a spouse or child of an established member to obtain an insurance policy. If those do not apply, you will not be eligible to get your policy from your son-in-law.

What advice do you have for purchasing car insurance for my 18-year-old son who is purchasing a used car that will be paid in full?

An 18-year-old that has a separate insurance policy will pay about $3400, much higher than the national average. My advice would be to include your child on your insurance policy to reduce his rate significantly and also potentially lower your rate.

Geico

My son got a DUI. I am going to be selling the car and taking him off of my Geico insurance policy. Do I have to report the DUI to Geico?

If you decide to repair the damage to the car using your car insurance, then you will have to file a claim and let your insurance company know what happened. The file you claim will impact your rates and both the accident and DUI will increase your rates.

Can I receive accident forgiveness following an accident?

Unfortunately, you can’t have an accident forgiven if it has already occurred. Insurance companies have specific rules regarding accident forgiveness, such as being accident-free for a couple of years.

Does State Farm match the car insurance quotes of other companies?

No, car insurance companies calculate their rates based on numerous factors.

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