GEICO vs. USAA: Best Auto Insurance for 2024
When it comes to GEICO vs. USAA, USAA insurance is cheaper regardless of age, driving record, or credit history. Both GEICO and USAA received a superior rating for financial stability and ranked above average for customer satisfaction. Use the numerous discounts offered to see if GEICO vs. USAA auto insurance is cheaper for you.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
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UPDATED: Nov 12, 2024
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There are a lot of choices out there for your automobile insurance. Comparing them side by side will help you pick the best company for you. We will look at both Geico vs. USAA auto insurance companies to see if either is right for you.
To make a decision, compare the pros and cons of each company based on rates, discounts, and ratings to see who can give you the best deal.
Fortunately, you don’t just have to compare Geico vs. USAA to find the best company. Enter your ZIP code now to compare free quotes from multiple companies near you.
- USAA auto insurance is cheaper than Geico in every category
- Both companies have similar financial and customer satisfaction ratings
- USAA auto insurance is only available to members of the military, veterans, and their families
Is Geico auto insurance or USAA auto insurance cheaper?
Just what factors looked at to determine your car insurance rates may surprise you. Companies use your age, gender, marital status, driving record, and credit history to calculate your rates.
All of these, and more, will be used to see how affordable Geico vs. USAA auto insurance is for you.
Keep in mind that rates will be different for every driver. Also, although drivers can get a Geico military discount, USAA only offers coverage to members of the military, veterans, and their families. (For more information, read our “Military Auto Insurance“).
First, let’s look at Geico vs. USAA auto insurance rates by age, gender, and marital status. It’s no surprise that auto insurance for young drivers is very expensive, but it might surprise you to learn how much rates vary by age.
GEICO vs. USAA Average Annual Rates Based on Age, Gender, and Marital Status
| Age, Gender, and Marital Status | Geico Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $5,405.23 | $4,695.06 |
| Single 17-year-old male | $5,955.63 | $5,225.88 |
| Single 25-year-old female | $2,312.93 | $1,913.08 |
| Single 25-year old male | $2,171.06 | $2,119.73 |
| Married 35-year-old female | $2,253.30 | $1,484.88 |
| Married 35-year-old male | $2,237.96 | $1,482.91 |
| Married 60-year-old female | $2,107.40 | $1,395.84 |
| Married 60-year-old male | $2,188.44 | $1,400.76 |
USAA insurance is cheaper than Geico insurance for all demographics.
One of the most significant factors that auto insurance companies look at is your driving record. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.
GEICO vs. USAA Average Annual Rates Based on Driving Record
| Driving Record | Geico Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Clean record | $2,145.96 | $1,933.68 |
| With 1 accident | $3,192.77 | $2,516.24 |
| With 1 DUI | $4,875.87 | $3,506.03 |
| With 1 speeding violation | $2,645.43 | $2,193.25 |
Geico is more expensive regardless of your driving record.
Your credit score is also looked at when calculating your auto insurance rates. Car insurance companies think that if you have a higher credit score, you will be more likely to pay for damages yourself and not file a claim.
GEICO vs. USAA Average Annual Rates Based on Credit History
| Credit History | Geico Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Good | $2,434.82 | $1,821.20 |
| Fair | $2,986.79 | $2,219.83 |
| Poor | $4,259.50 | $3,690.73 |
Once again, USAA is cheaper than Geico no matter your credit score.
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Does Geico or USAA have better auto insurance discounts?
Car insurance discounts are one of the best ways to significantly lower your rates. Most auto insurance companies offer many of the same discounts, such as good student and multi-car discounts.
The table below shows you the USAA vs. Geico auto insurance discounts offered. The amount of the discount is listed if it is known. Look through this list to see which company will offer you the most discounts.
GEICO vs. USAA Auto Insurance Discounts
| Auto Insurance Discounts | Geico (%) | USAA (%) |
|---|---|---|
| Anti-lock Brakes | 5 | x |
| Anti-Theft | 25 | x |
| Claim Free | 26 | 12 |
| Continuous Coverage | x | N/A |
| Daytime Running Lights | 1 | x |
| Defensive Driver | x | 3 |
| Distant Student | x | x |
| Driver's Ed | x | 3 |
| Driving Device/App | x | 5 |
| Early Signing | x | 12 |
| Emergency Deployment | 25 | N/A |
| Family Legacy | x | 10 |
| Farm Vehicle | x | N/A |
| Federal Employee | 8 | N/A |
| Full Payment | x | N/A |
| Further Education | x | N/A |
| Garaging/Storing | N/A | 90 |
| Good Student | 15 | 3 |
| Homeowner | x | N/A |
| Low Mileage | x | x |
| Loyalty | x | x |
| Married | N/A | x |
| Membership/Group | x | N/A |
| Military | 15 | x |
| Military Garaging | N/A | 15 |
| Multiple Policies | 10 | x |
| Multiple Vehicles | 25 | x |
| Newer Vehicle | x | 12 |
| Occasional Operator | N/A | x |
| Occupation | x | N/A |
| Paperless/Auto Billing | N/A | 3 |
| Passive Restraint | 40 | x |
| Safe Driver | 15 | 12 |
| Seat Belt Use | 15 | N/A |
| Senior Driver | N/A | x |
| Students & Alumni | x | N/A |
| Utility Vehicle | x | N/A |
| Vehicle Recovery | 15 | x |
| VIN Etching | N/A | x |
Both companies offer many of the same discounts, but there are some differences. For example, your Geico quote may include a continuous coverage discount that you can’t get from USAA.
On the other hand, your USAA quote might list a married discount that Geico doesn’t offer.
That’s why it’s important that, when you compare Geico vs. USAA auto insurance quotes, you ask for any available discounts.
How do Geico and USAA compare in financial strength and customer satisfaction?
A.M. Best ranks the financial stability of insurance companies. Both companies received an A++ rating, meaning they have superior abilities to meet their financial obligations.
Geico insurance received an A+ rating from the Better Business Bureau, and USAA received an A- rating. However, Geico is accredited and USAA insurance is not.
J.D. Power ranks companies on customer satisfaction using factors like prices, billing, claims, and what products are offered. In most regions, both Geico and USAA ranked above average.
Both companies offer easy-to-use websites and mobile app and additional services such as roadside assistance. You can even compare Geico vs. USAA homeowners insurance online.
You can learn more about each company by reading our Geico review and our USAA insurance review.
Deciding whether to buy Geico vs. USAA auto insurance can be difficult. Compare rates, discounts, and ratings to see if either is best for you. You can also compare other companies to see who can offer you the best deal.
Now that you’ve compared Geico vs. USAA auto insurance, enter your ZIP code to compare quotes from multiple companies near you for free.