American Family vs. GEICO: Best Auto Insurance for 2025
In our American Family vs. GEICO auto insurance guide, we compare the two companies' average rates based on age, driving record, and credit score. Both companies have competitive rates; however, American Family is a better choice than GEICO for drivers with speeding tickets, accidents, DUIs, and fluctuating credit scores. Come here to compare rates from multiple auto insurance companies close to home.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Nov 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- Both American Family and Geico have excellent customer satisfaction ratings and minimal customer complaints.
- Geico has the best financial strength rating from A.M. Best.
- American Family has lower rates for drivers with a speeding ticket, accident, or DUI.
- Overall, Geico has cheaper car insurance rates than American Family — but it’s only by a small amount.
- Geico has more discounts than American Family.
This American Family vs. Geico auto insurance guide will provide a wide variety of auto insurance coverage options when analyzing rates according to your unique qualities like your age, gender, marital status, driving record, and credit score.
We also include external ratings from the most trustworthy agencies and compare American Family and Geico auto insurance discounts, coverage types, and usage-based insurance programs.
This review covers Geico insurance and American Family Insurance, not American Family Care, which is an urgent care facility.
Continue reading to compare American Family insurance and Geico insurance rates and more, or enter your ZIP code to find affordable auto insurance rates from local auto insurance companies in your area.
American Family vs Geico Auto Insurance: which is cheaper based on age?
The older we get, the more practice we have while driving. In calculating auto insurance rates, providers use age as one of the most significant variables.
In most states, it is legal to base auto insurance premiums on marital status and gender; some have banned it, however. Let’s compare auto insurance rates for American Family and Geico based on age, gender, and marital status.
American Family vs. Geico Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
| Age, Gender, and Marital Status |  |  |
|---|---|---|
| Single 17-year-old female | $5,997 | $5,654 |
| Single 17-year-old male | $8,131 | $6,279 |
| Single 25-year-old female | $2,289 | $2,379 |
| Single 25-year-old male | $2,695 | $2,263 |
| Married 35-year-old female | $2,203 | $2,303 |
| Married 35-year-old male | $2,224 | $2,312 |
| Married 60-year-old female | $2,203 | $2,303 |
| Married 60-year-old male | $2,224 | $2,312 |
The majority of car insurance companies will charge high rates for male drivers, especially teens. Surprisingly though, Geico quotes for teen males are 23 percent cheaper than American Family’s rates. Additionally, rates for teen females are 6 percent cheaper than American Family’s.
Car insurance rates for single 25-year-old males are 16 percent cheaper with Geico than American Family. Geico is definitely the best choice over American Family if you have a young driver in your family.
American Family and Geico car insurance rates are competitive for other age and gender categories.
Read more:
- Farmers vs. Liberty Mutual: Best Auto Insurance
- Farmers vs. GEICO: Best Auto Insurance
- GEICO vs. USAA: Best Auto Insurance
- GEICO vs. Progressive: Best Auto Insurance
- GEICO vs. Travelers: Best Auto Insurance
- Liberty Mutual vs. Nationwide: Best Auto Insurance
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American Family vs Geico Auto Insurance: which is cheaper based on driving record?
No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance premiums and you become a higher risk driver.
American Family vs. Geico Average Annual Auto Insurance Rates by Driving Record
| Driving Record | American Family Average Annual Rates | Geico Average Annual Rates |
|---|---|---|
| Clean record | $2,694 | $2,146 |
| With one speeding violation | $3,026 | $2,645 |
| With one accident | $3,723 | $3,193 |
| With one DUI | $4,330 | $4,876 |
American Family’s car insurance rates are about $500 higher than Geico’s car insurance rates for drivers with a speeding ticket or accident on their record. However, American Family is more lenient on drivers that have a DUI on their record.
Geico auto insurance rates increase more drastically as a driver gets more serious charges. This could be because Geico was originally for government employees, so, naturally, there are greater penalties for breaking laws.
When compared to a driver with a clean record, those with a Geico policy will see their rates rise by 50 percent if they cause an accident. For drivers with a Geico policy who receive a DUI, the insurance rates will be more than double those of a driver with a clean record. This is particularly notable when considering Geico credit score factors and Geico DUI insurance rates.
American Family vs Geico Auto Insurance: which is cheaper based on credit score?
If you undergo some sort of financial trauma, such as incurring medical debt or going through a divorce, a good credit score will drop in a matter of months.
It is legal for auto insurance providers to base premiums on your credit score in most states; however, some outlaw it along with gender and marital status dependent rates.
Auto insurance providers justify using your credit score to decide your rates because of the premise that people with higher credit scores are more responsible and that, overall, are less likely to file a claim.
Let’s take a look at how American Family and Geico consider your rates based on your credit score.
American Family vs. Geico Average Annual Auto Insurance Rates by Credit Score
| Credit History Summary | American Family Average Annual Rates | Geico Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $2,692 | $2,435 |
| Fair Credit Score (580-669) | $3,170 | $2,987 |
| Poor Credit Score (300-579) | $4,468 | $4,260 |
Overall, based on credit score, Geico car insurance rates are cheaper than American Family’s car insurance rates. However, Geico is more punitive when it comes to the difference in rates for a driver with a not-so-great credit history.
Geico rates increase by 23 to 75 percent for those with a fair or poor credit score. American Family rates increase by only 18 to 66 percent.
Geico is a better option, initially, if you have bad credit. However, if you go with Geico, expect your rates to skyrocket if you experience financial trauma.
Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from a number of companies. Hopefully, if you have bad credit, you live in a state that has outlawed basing rates on credit scores.
Does American Family or Geico have better auto insurance discounts?
Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.
American Family vs. Geico Auto Insurance Discounts
| Discounts | American Family Discounts Offered (Percentage) | Geico Discounts Offered (Percentage) |
|---|---|---|
| Anti-lock Brakes | N/A | 5 |
| Anti-Theft | N/A | 25 |
| Claim Free | N/A | 26 |
| Daytime Running Lights | N/A | 1 |
| Defensive Driver | 10 | N/A |
| Driving Device/App | 40 | N/A |
| Emergency Deployment | N/A | 25 |
| Federal Employee | N/A | 8 |
| Good Student | N/A | 15 |
| Military | N/A | 15 |
| Multiple Policies | N/A | 10 |
| Multiple Vehicles | N/A | 25 |
| Passive Restraint | 30 | 40 |
| Safe Driver | N/A | 15 |
| Seat Belt Use | N/A | 15 |
| Vehicle Recovery | N/A | 25 |
Geico offers discounts for installing an anti-theft device, vehicle recovery systems, maintaining a claim-free record, insuring multiple vehicles, and if you are in the military and are urgently deployed. These factors can positively influence your Geico car insurance ratings.
There are two discounts American Family has that Geico does not: completing a defensive driving course and utilizing their mobile driving app or device.
If you do choose American Family, be sure to use your American Family insurance login to review discounts regularly. Companies are always offering promotions — even to current customers.
The discounts provided by auto insurance providers also target particular categories of drivers, so be sure to inquire if there are any extra discounts when you get your American Family and Geico auto insurance quotes.
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What types of auto insurance coverages are offered by American Family and Geico?
Since both American Family and Geico are two of the 10 companies that make up the majority of the auto insurance market share, they have the means to provide a broader range of coverages for auto insurance that go beyond the six standard coverages mentioned below.
Before buying either one, make sure you understand your options in auto insurance coverage:
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does American Family or Geico have better auto insurance mobile apps?
In the last decade or so, usage-based auto insurance has become an individualized standard, and all of the larger auto insurance providers have a driving app you can install into your car or uses telematic mechanisms in your smartphone.
If you choose the usage-based auto insurance option with Geico or American Family, care should be taken in driving safely because your rates may depend on it.
Major auto insurance providers, including Geico, offer a general app that lets you access your policy, make adjustments, and pay your bill. Typically, both the general app and the driving app use the same Geico login credentials for Geico auto insurance.
Read more about each of these companies’ usage-based auto insurance programs in our American Family auto insurance review and our Geico auto insurance review.
How do American Family and Geico auto insurance compare in financial strength and customer satisfaction?
It is a major financial commitment to buy car insurance, so you want to be sure you are choosing the right company that will have your back when you need it.
Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.
Insight into these factors is provided by the following three agencies:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
https://www.consumerreports.org/cro/index.htm collects annual data from its subscribers regarding customer satisfaction of the American Family claims process and the Geico claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on total number of customers against total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Let’s take a closer look at ratings from credible third-party agencies for American Family and Geico.
American Family vs. Geico Company Ratings
| Rating Agency | | |
|---|---|---|
| AM Best Rating | A | A++ |
| Consumer Reports | 89 | 89 |
| NAIC Company Complaint Ratio | 0.79 | 0.68 |
| NAIC Total Complaints | 73 | 333 |
Both American Family and Geico have positive feedback from customers that go through the claims process. Geico customer service is also rated highly. Both companies also do well with managing customer complaints.
Also, both companies have great financial strength ratings. Geico holds the highest rating possible from A.M. Best.
Ready to buy auto insurance? When you’re not sure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.
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Frequently Asked Questions
Does Geico use credit scores?
Yes, Geico uses credit scores as a factor in determining auto insurance rates in most states. A higher credit score can help lower your insurance premium, while a lower credit score may result in higher rates.
How much does insurance go up after an accident with Geico?
Insurance rates can increase significantly after an accident with Geico. The exact increase depends on factors such as the severity of the accident and your driving history. Typically, rates may rise by 20% to 50% after a claim, but this can vary.
How much will a speeding ticket raise my insurance with Geico?
How much is Geico car insurance for a 16-year-old?
Geico car insurance rates for a 16-year-old are generally higher compared to older drivers due to the higher risk associated with younger drivers. The cost can vary widely based on factors like location, vehicle type, and driving record, but it can be several hundred dollars per month.
Is AAA better than Geico?
Whether AAA is better than Geico depends on individual needs and preferences. AAA offers benefits such as roadside assistance and membership perks, while Geico is known for competitive rates and a strong digital presence. Comparing coverage options and pricing can help determine which is better for you.
Is AAA cheaper than Geico?
In general, Geico is often cheaper than AAA for auto insurance. However, costs can vary based on factors such as driving history, location, and vehicle type. It’s best to compare quotes from both companies to find the most affordable option for your situation.
Is Allstate better than Geico?
Allstate and Geico each have their strengths. Allstate offers a variety of coverage options and local agents, while Geico is known for competitive rates and a strong online presence. The better choice depends on what features and services are most important to you.
Is Geico better than Progressive?
Geico and Progressive both offer competitive rates and a range of coverage options. GEICO is often praised for its low rates and user-friendly website, while Progressive is known for its Name Your Price tool and diverse coverage options. Your choice will depend on your specific needs and preferences.
Is Geico better than State Farm?
Geico and State Farm both offer solid coverage options and customer service. Geico is often recognized for its lower rates, while State Farm provides extensive local agent support and a wide range of coverage options. The better choice depends on your personal preferences and coverage needs.
Is Geico cheaper than State Farm?
Geico is often less expensive than State Farm for many drivers. However, the precise cost can vary based on factors such as your driving history, location, and the type of coverage required. To find the best rate for your circumstances, it’s advisable to compare quotes from both companies. Additionally, you may want to consider State Farm’s defensive driving course login for potential discounts.
Is Allstate cheaper than Geico?
In many cases, Geico is cheaper than Allstate. Allstate’s rates can be higher due to the extensive range of coverage options and additional services they offer. To find the most cost-effective option, it’s advisable to compare quotes from both companies.
Is Amica cheaper than Geico?
Amica is often comparable in price to Geico, though the rates can vary depending on individual circumstances. Geico is known for its competitive rates, while Amica offers customer service and satisfaction. Comparing quotes from both can help determine which is more affordable for you.
Is Farmers Insurance cheaper than Geico?
Geico is generally cheaper than Farmers Insurance. However, the cost difference can vary based on your specific situation, including location, driving record, and coverage needs. It’s best to get quotes from both insurers to see which offers the best rate for you.
Is Geico a good insurance company?
Geico is considered a good insurance company by many due to its competitive rates, strong customer service, and extensive online tools. It is often praised for its affordability and ease of use. However, individual experiences can vary, so it’s important to review your specific needs and preferences.
Is Liberty Mutual cheaper than Geico?
Geico is generally cheaper than Liberty Mutual for many drivers. Liberty Mutual offers various discounts and coverage options, but Geico often has lower base rates. Comparing quotes from both companies can help you determine which offers the best value for your situation.
Is The General cheaper than Geico?
In many cases, Geico is cheaper than The General. Geico is known for its competitive rates and broad coverage options, while The General often targets high-risk drivers with potentially higher rates. Comparing quotes will give you a clearer picture of which insurer offers the best rate for you.
Is USAA auto insurance cheaper than Geico?
USAA auto insurance is often cheaper than Geico for eligible military members and their families. USAA is known for its low rates and excellent customer service, but it is only available to military personnel and their families. If you qualify, USAA may offer better rates than Geico.
What auto insurance is cheaper than Geico?
Several auto insurance companies might offer cheaper rates than Geico depending on your specific circumstances, such as your driving record, location, and coverage needs. Companies like Progressive, State Farm, and The General are often cited as having competitive rates. It’s best to compare quotes from multiple insurers to find the most affordable option for you.
When will a speeding ticket show up on insurance with Geico?
A speeding ticket typically shows up on your insurance with Geico within a few months. The exact timing can vary based on how quickly the ticket is reported to your state’s Department of Motor Vehicles (DMV) and then communicated to your insurance company.
How does Geico compare to The General in terms of insurance coverage and rates?
Geico generally offers more comprehensive insurance coverage and competitive rates compared to The General. Geico is known for its extensive range of discounts and higher customer satisfaction ratings, while The General may provide fewer coverage options and discounts.
How does Geico stack up against The Hartford in terms of insurance options and pricing?
Geico is often less expensive and offers a wide range of discounts, making it a budget-friendly option. In contrast, The Hartford is recognized for its robust coverage options and strong customer service, especially for older drivers, which can make it more suitable despite potentially higher costs.
How does Geico compare to Travelers in terms of insurance coverage and cost?
Geico usually provides more affordable rates and a broad array of discounts. Travelers, on the other hand, offers extensive coverage options and additional benefits, which may result in higher premiums but more comprehensive coverage features.
How does Geico measure up against Infinity in terms of insurance services and rates?
GEICO tends to offer more competitive rates and a wider range of services compared to Infinity. GEICO’s customer service and claims handling are also highly rated, while Infinity might have higher premiums with less extensive coverage options.
How do 21st Century and Geico compare in terms of insurance coverage and pricing?
Geico typically offers lower rates and more extensive discounts compared to 21st Century. Geico’s range of coverage options and customer service are generally broader, while 21st Century might be less competitive in pricing and services.
How does 21st Century compare to American Family in terms of insurance options and rates?
American Family often provides more comprehensive coverage options and better customer service compared to 21st Century. American Family may also offer more discounts and benefits, though 21st Century can be more affordable for some drivers.
What is Geico’s policy on anti-theft devices?
Geico’s approach to anti-theft devices includes providing benefits for cars that have these devices installed. Geico acknowledges that anti-theft devices mitigate theft risk, which in turn reduces the overall risk for the insurer. This aligns with the various Geico anti-theft device categories that are recognized for their role in enhancing vehicle security.
Does Geico offer a discount for anti-theft devices?
Yes, Geico offers a discount for vehicles equipped with anti-theft devices, which reflects the decreased risk of theft. This discount is available for various Geico anti-theft device options.
Does Geico provide reimbursement for car seats?
Geico generally does not offer reimbursement for car seats. However, it’s a good idea to check with Geico directly to see if this benefit is available under specific policies or endorsements.
How do Geico car insurance rates vary by state?
Geico car insurance rates can vary widely by state due to differences in state regulations, local risk factors, and insurance requirements. Factors such as state minimum coverage requirements and local claims data can influence rates.
What do Consumer Reports say about Geico’s insurance?
Consumer Reports typically rates Geico highly for affordability and customer service. However, individual experiences can vary, so reviewing the latest Consumer Reports ratings can provide more detailed insights.
What is Geico’s policy on speeding tickets?
Geico typically raises premiums for drivers who receive speeding tickets due to the increased risk linked to these violations. The extent of the Geico speeding ticket increase varies based on the severity of the infraction and the driver’s overall record. To understand how this might affect you specifically, you can check Geico insurance rates by ZIP code.
How does Geico compare to Allstate and Progressive in terms of insurance coverage and cost?
Geico is known for its low rates and extensive discounts, often making it a more affordable choice. Allstate and Progressive offer a range of coverage options and benefits, with Progressive typically being competitive on pricing and Allstate providing extensive coverage and additional services.
How does Nationwide compare to Geico in terms of insurance options and rates?
Nationwide offers a variety of coverage options and can be competitive in terms of pricing, but Geico generally provides lower rates and more discounts. Nationwide might offer more personalized services and coverage features compared to Geico’s broad discount approach.
What is Geico’s A.M. Best rating?
The Geico insurance company holds an A++ (Superior) rating from AM Best. This rating reflects Geico’s strong financial stability and its ability to meet insurance obligations. The high A.M. Best rating of Geico insurance company indicates its reliability and financial strength.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.