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.
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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 |
Compare Auto Rates from Top Rated Carriers
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 |
|
|
| 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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