AAA vs. Geico Auto Insurance in 2025 (Side-by-Side Review)
When it comes to AAA vs. Geico auto insurance, Geico comes out cheaper at $43 a month compared to AAA’s $65. Geico’s DriveEasy tracks driving habits like speed and braking to help lower rates. AAA’s OnBoard offers a 15% sign-up discount and up to 30% savings but requires a membership to access coverage.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Apr 28, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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: Apr 28, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsComparing AAA vs. Geico auto insurance, Geico stands out as the more affordable option, averaging $43 a month with savings through its DriveEasy program.
AAA’s OnBoard can save you up to 30%, but it costs $65 a month and requires a membership that can run up to $120 a year. Geico is also a better fit for high-risk drivers, charging $213 per month after a DUI, compared to AAA’s $461.
AAA vs. Geico Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.1 | 4.4 |
| Business Reviews | 4.5 | 4.5 |
| Claim Processing | 3.3 | 4.8 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.1 | 4.4 |
| Customer Satisfaction | 2.1 | 2.3 |
| Digital Experience | 4.0 | 5.0 |
| Discounts Available | 5.0 | 4.7 |
| Insurance Cost | 4.1 | 4.5 |
| Plan Personalization | 4.0 | 4.5 |
| Policy Options | 4.4 | 4.1 |
| Savings Potential | 4.4 | 4.5 |
| AAA Review | Geico Review |
Teen drivers can save over $6,000 a year with Geico, which is a huge win for families. Geico pulls ahead with better customer satisfaction, stronger digital tools, and smoother claims handling.
AAA falls short with fewer add-on options and lower claims satisfaction, even though it offers bundling perks and travel discounts.
- Geico charges $213 monthly for DUIs vs. AAA’s $461 for the same driver
- Geico’s DriveEasy app tracks speed and braking to reward safe habits
- AAA’s OnBoard gives 15% off at signup but requires up to $120 yearly
By entering your ZIP code into our free quote comparison tool, you may obtain reasonably priced auto insurance regardless of your driving history.
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Comparing Esurance and Geico Auto Insurance Rates
Age and gender play a big role in what you’ll pay for full coverage, and the numbers show some clear differences between AAA and Geico. Geico consistently offers lower rates across all age and gender groups, with the biggest savings going to teen drivers.
AAA vs. Geico Full Coverage Auto Insurance Monthly Rates
| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $635 | $425 |
| 16-Year-Old Male | $664 | $445 |
| 30-Year-Old Female | $141 | $128 |
| 30-Year-Old Male | $147 | $124 |
| 45-Year-Old Female | $125 | $114 |
| 45-Year-Old Male | $122 | $114 |
| 60-Year-Old Female | $111 | $104 |
| 60-Year-Old Male | $108 | $106 |
For example, 16-year-old males pay $445 monthly with Geico, while AAA charges a steep $664. Female teens also save big—about $210 a month—by going with Geico over AAA.
The gap shrinks for adults, but Geico still comes ahead. A 45-year-old male pays $114 with Geico compared to $122 with AAA. Even 60-year-old females save, paying $104 with Geico instead of $111 with AAA. Overall, Geico delivers more competitive pricing across every age bracket. Learn how age and gender are key factors that affect auto insurance rates.
How Driving History Affects Your Rate
Geico and Triple-A both factor your driving history into your monthly rate, and the difference it makes can be pretty significant. Whether you have a clean record or a few marks on it, what you pay for full coverage can change a lot depending on the insurer.
AAA vs. Geico Full Coverage Auto Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $122 | $114 |
| Not-At-Fault Accident | $189 | $189 |
| Speeding Ticket | $154 | $151 |
| DUI/DWI | $211 | $309 |
If your record is clean, AAA charges $122 a month, while Geico comes in slightly lower at $114. For not-at-fault accidents, both stick to the same rate—$189—so you won’t be penalized. With a speeding ticket, Geico still edges out AAA with a $151 rate versus $154.
But the biggest difference shows up after a DUI. Geico jumps to $309 a month, while AAA charges $211—a $98 savings. So, for drivers with serious violations, AAA actually ends up being the more affordable choice. See how auto insurance companies check driving records for violations and DUIs.
Credit Score Impacts What You Pay
Your credit score plays a big role in how much you’ll pay for full coverage, and the difference between AAA car insurance and Geico is pretty noticeable.
Full Coverage Insurance Monthly Rates by Credit: AAA vs. Geico
| Credit Score | |  |
|---|---|---|
| Good Credit (670–739) | $120 | $110 |
| Fair Credit (580–669) | $145 | $130 |
| Bad Credit (300–579) | $190 | $165 |
If you’ve got good credit between 670 and 739, Geico charges $110 a month, while AAA is a bit higher at $120. For fair credit between 580 and 669, Geico still wins with a $130 rate—$15 less than AAA’s $145.
The biggest gap hits drivers with bad credit between 300 and 579, where Geico charges $165 per month and AAA jumps to $190. That’s a $25 difference—and Geico doesn’t require a membership fee, while AAA does, which only adds to the cost. Overall, Geico tends to keep things more budget-friendly across the board. Understand how credit scores affect auto insurance rates with Geico and AAA.
AAA vs. Geico Auto Insurance Discount Comparison
Auto insurance discounts can really change how much you end up paying each month, and when you look at AAA vs. Geico, the savings shake out pretty differently.
Auto Insurance Discounts and Savings: AAA vs. Geico
| Discount Type | | |
|---|---|---|
| Anti-Theft Device | 8% | 25% |
| Bundling | 15% | 25% |
| Defensive Driving Course | 14% | 15% |
| Good Driver | 30% | 26% |
| Good Student | 14% | 15% |
| Low Mileage | 10% | 30% |
| Military/Service Member | 10% | 15% |
| Multi-Car | 25% | 25% |
| Safe Driver | 10% | 15% |
| Safety Features | 10% | 15% |
Geico offers a 25% discount for anti-theft devices—much higher than AAA’s 8%. Low-mileage drivers also do better with Geico, which knocks off up to 30%, while AAA caps that discount at 10%. Both give you 25% off for multi-car policies, and you can save more by bundling insurance policies with either one.
Good driver discounts can significantly lower your premium, but eligibility often depends on five years of clean driving.Daniel Walker Licensed Auto Insurance Agent
Geico also gives stronger discounts for military, safety features, and defensive driving—15% across the board versus AAA’s 10% or 14%. However, AAA does beat Geico when it comes to safe drivers, offering a 30% good driver discount compared to Geico’s 26%. If you qualify for several of these, Geico’s discount stack often leads to lower rates overall.
Coverage Basics You’ll Get With AAA and Geico
When comparing AAA auto insurance vs. Geico, the biggest differences come down to what’s included and what’s not. Both companies cover the basics, including liability for damage you cause to others, collision for your car in an accident, and comprehensive coverage for events like theft, hail, or flood.
Auto Insurance Coverage Options: AAA vs. Geico
| Coverage Type | | |
|---|---|---|
| Liability Coverage | ✅ | ✅ |
| Collision Coverage | ✅ | ✅ |
| Comprehensive Coverage | ✅ | ✅ |
| Uninsured/Underinsured Motorist | ✅ | ✅ |
| Medical Payments (MedPay) | ✅ | ✅ |
| Personal Injury Protection (PIP) | ✅ | ✅ |
| Roadside Assistance | ✅ | ✅ |
| Rental Car Reimbursement | ✅ | ✅ |
| Gap Insurance | ✅ | ❌ |
| Accident Forgiveness | ✅ | ✅ |
| New Car Replacement | ✅ | ❌ |
| Rideshare Coverage | ✅ | ✅ |
| Custom Equipment Coverage | ✅ | ✅ |
| Mechanical Breakdown Insurance | ❌ | ✅ |
| Usage-Based Insurance | ✅ | ✅ |
You’ll also get medical payments (MedPay) and personal injury protection to help with medical bills regardless of fault, plus uninsured and underinsured motorist coverage in case someone hits you without enough insurance.
Both offer extras like roadside assistance, rental car reimbursement, rideshare coverage, and accident forgiveness that protects your rate after your first at-fault accident. AAA stands out with gap insurance to cover the loan balance if your car is totaled and new car replacement that gives you a brand-new vehicle during the early ownership period.
Geico doesn’t offer those, but it does include mechanical breakdown insurance. That’s a great option for newer cars and covers repairs on major systems like the engine or transmission. Both also have usage-based programs that reward safe drivers with lower rates.
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Geico and AAA: Telematics Programs
Telematics, or usage-based insurance systems, allow companies to offer lower rates to drivers who practice safe habits behind the wheel. Geico and AAA offer telematics programs, and they are fairly similar.
Geico DriveEasy
Geico’s DriveEasy program tracks habits like your speed, braking, acceleration, driving time of day, and mileage. The company offers cheaper rates for safe drivers, though Geico does not specify how much you will save on its website.
The DriveEasy app has 3.5 out of five stars for both Google Play and the Apple Store.
AAA OnBoard
With OnBoard, you can save up to 30% on your auto insurance. In addition, AAA tracks the same things that Geico does, and the company offers a 15% discount just for signing up for the program. AAA’s Auto Club app has 4.7 out of five stars on the Apple Store and 4.3 out of five stars on Google Play.
AAA vs. Geico: Roadside Assistance
You may think AAA has a better roadside assistance plan because of its popularity, but the roadside assistance coverage with Geico and AAA are fairly similar. With Geico’s roadside assistance, you’ll get:
- Towing services
- Jump starts
- Tire services
- Lockout services (up to $100)
- Fuel delivery
In comparison, AAA offers the following services with its roadside assistance plan:
- Towing
- Jump starts
- Fuel delivery
- Extricating
- Trip interruption
The one thing AAA offers that Geico does not in terms of roadside assistance is its trip interruption coverage.
What Real Customers Say About AAA and Geico
How happy people are with their insurance and how strong the company is financially can tell you a lot. When comparing the American Automobile Association (AAA) vs. the Government Employees Insurance Company (Geico) auto insurance, the scores point to some clear differences.
Insurance Business Ratings & Consumer Reviews: AAA vs. Geico
| Agency | | |
|---|---|---|
 | Score: 706 / 1,000 Avg. Satisfaction | Score: 692 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Feedback | Score: 74/100 Good Customer Satisfaction |
 | Score: 0.58 Fewer Complaints Than Avg. | Score: 0.55 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength | Score: A++ Superior Financial Strength |
Geico scored 706 out of 1,000 in J.D. Power’s customer satisfaction survey, beating AAA’s 692, which falls just below the industry average. Both companies earned a 74 out of 100 from Consumer Reports, so most customers seem pretty satisfied overall. Geico also has a slightly lower complaint index at 0.55, compared to AAA’s 0.58, meaning fewer customers have had issues with service or claims.
The biggest difference shows up in financial strength—Geico holds an A++ rating from A.M. Best, which is the highest you can get. AAA still has a solid A, but it’s a notch below. If strong financials, solid customer service, and fewer complaints matter to you, Geico edges ahead.
Looking at market share gives a sense of how much reach each insurer has. With American Automobile Association vs. Government Employees Insurance Company auto insurance, the gap is huge. Geico holds 12.31 percent of the U.S. auto insurance market, making it one of the biggest names out there. AAA only holds 0.60 percent—a much smaller slice. The rest is divided among dozens of other providers.
Geico’s size comes from its online tools, nationwide availability, and nonstop advertising. AAA stays smaller because it operates through local clubs and requires a paid membership before you can even buy coverage.
On Reddit, a Reddit user shared that they had AAA for years and thought the experience was solid. They’d been in a few accidents that weren’t their fault and said AAA handled everything without a fight, even covering rental cars without hassle.
Comment
byu/MShorter02 from discussion
inInsurance
They admitted AAA was a little pricier than other companies but felt it was worth it—especially because of the towing service. They don’t have AAA now but mentioned they’d probably sign up again for car and renters insurance. It’s a good reminder from Reddit that sometimes paying a bit more can mean less stress when things go wrong.
Learn more: Where can I compare online auto insurance companies?
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Pros and Cons of AAA
Pros
- New Car Replacement: AAA provides in the first year full replacement of a totaled car with a brand-new one, which Geico does not provide at all.
- Gap Insurance Included: Included in the gap insurance is AAA’s gap insurance might pay the difference—something Geico does not offer—if you owe more on your vehicle than it is worth.
- Top-Tier Good Driver Discount: Safe drivers can score up to 30% off with AAA, which is higher than Geico’s 26%. Get more quotes in our AAA auto insurance review.
Cons
- Tiny Market Share: AAA only holds 0.60% of the auto insurance market, way behind Geico’s 12.31%, which limits its availability and reach.
- Mandatory Membership Fee: AAA requires a paid membership ($60–$120 annually) just to be eligible for auto insurance, adding to the upfront cost.
Pros and Cons of Geico Auto Insurance
Pros
- Lower Rates: Consistently offers cheaper premiums than AAA, especially for drivers with good credit and clean records.
- Best for Teen and Young Drivers: Geico saves teen drivers over $6,000 per year compared to AAA, making it a smarter choice for families.
- Huge Low-Mileage Discount: If you don’t drive much, Geico offers up to 30% off, compared to just 10% with AAA. Discover insights in our Geico auto insurance review.
Cons
- No Gap Coverage: Geico doesn’t offer gap insurance, which could leave you stuck paying off a loan if your car gets totaled.
- No New Car Replacement: Unlike AAA, Geico won’t replace your totaled car with a brand-new one if it’s still pretty new.
Picking Between AAA and Geico Comes Down to What You Need
AAA vs. Geico auto insurance really comes down to what matters most to you as a driver. AAA is a solid pick if you’re after perks like rental car reimbursement and new car replacement insurance, especially with its generous 30% good driver discount. Just keep in mind that coverage can vary by local club.
Geico, on the other hand, is a better fit if you like managing everything digitally and want rewards through its DriveEasy program. It also offers mechanical breakdown insurance, which can be a big plus if you drive a newer car and want extra repair protection.
To find the best fit for your needs and budget, use our free comparison tool to check quotes from multiple auto insurance companies in one place.
Frequently Asked Questions
Are there any extra benefits in Geico roadside assistance vs. AAA?
AAA includes extras like trip interruption coverage, discounts on hotels and car rentals, and DMV services at select locations. Geico does not offer these extras, focusing solely on emergency roadside help through the policy add-on.
How does AAA vs. Nationwide compare in terms of rates and benefits for auto insurance?
AAA typically costs more, with full coverage averaging around $147 monthly, but includes extras like trip interruption, rental car reimbursement, and 30% safe driver discounts. Nationwide offers lower base rates in some states and unique perks like vanishing deductibles and SmartRide telematics but lacks AAA’s travel-related benefits.
Which insurer is more cost-effective and comprehensive, AAA vs. American Family?
AAA includes new car replacement, trip interruption, and roadside assistance, but requires a membership fee of $60–$120. American Family offers wider policy customization, strong teen driver discounts, and a KnowYourDrive usage-based insurance program, which can reduce rates for low-mileage drivers.
What should drivers know from an AAA mechanical breakdown insurance review?
AAA mechanical breakdown insurance is available in select states and covers repairs for major systems like the engine, transmission, and air conditioning—usually for vehicles under 10 years old and with less than 100,000 miles. It doesn’t require a dealership repair contract and can be more affordable than extended warranties.
What are the major coverage differences between AAA and Geico home insurance?
AAA home insurance includes extended replacement costs, identity theft protection, and emergency repairs as part of membership perks. Geico partners with third-party insurers for home coverage, meaning available features and claim experiences vary and often exclude AAA-style membership benefits.
What do drivers gain from AAA vs. State Farm auto insurance?
AAA is better for drivers seeking travel-related perks like discounts on hotels and free towing services, plus its accident forgiveness and new car replacement add value. State Farm Drive Safe and Save uses real-time driving data to reward safe habits and is part of a broader offering that includes national coverage and a 19,000-agent network.
State Farm offers broader national coverage, a 19,000-agent network, and a strong Drive Safe & Save telematics program that can cut premiums up to 30%.
In the Nationwide vs. AAA comparison, who supports safer driving more effectively?
Nationwide’s SmartRide program offers up to 40% off for safe driving, the highest usage-based discount among large insurers. AAA provides a 30% discount through its OnBoard program, though participation and availability vary by region.
What should policyholders expect from AAA vs. Esurance for claims service?
AAA’s claims experience depends heavily on your local club—some offer in-person help and local adjusters, while others may be slower. Esurance offers 100% digital claims with a mobile app, tracking updates, and a streamlined repair shop network, often speeding up the resolution process.
What are the main distinctions between AAA and Progressive auto insurance policies?
AAA offers gap insurance and rental reimbursement as standard with many policies and delivers strong regional roadside service. Progressive is more competitive for high-risk drivers and offers a Name Your Price tool and Snapshot telematics program with discounts of up to 30%.
Is Geico good car insurance?
Yes, Geico is good car insurance for drivers who value affordability and convenience. It offers rates as low as $43 per month for full coverage, access to the DriveEasy telematics program that rewards safe driving, and mechanical breakdown insurance for newer vehicles. Geico also maintains an A++ financial strength rating from A.M. Best and handles fewer complaints than average, with a 0.55 NAIC complaint index.
What are the disadvantages of AAA?
The disadvantages of AAA include a required annual membership fee between $60–$120 just to access insurance, higher monthly rates for high-risk drivers (e.g., $461 per month for a DUI), and regional service inconsistencies due to its club-based structure. AAA also lacks mechanical breakdown insurance and tends to receive lower customer satisfaction scores compared to national carriers like Geico.
Which insurer provides better extras and digital features in AAA vs. Liberty Mutual?
Liberty Mutual offers accident forgiveness, new car replacement for vehicles under one year old, and robust online policy management tools. AAA stands out for members needing travel planning, DMV services, and roadside assistance built into the insurance package, though online tools may vary by region.
How can I lower car insurance with Geico?
Consider signing up for DriveEasy, which tracks your driving patterns and incentivizes safe driving, to reduce your Geico auto insurance. In addition, you can install safety features like airbags and anti-theft devices, keep a spotless driving record, and combine your auto policy with homeowners or renters insurance. Additionally, Geico provides drivers who reduce their mileage with discounts of up to 30%.
Which insurance is better than Geico?
Insurance that is better than Geico depends on the coverage you’re looking for. While Geico excels in affordability, AAA may be better for those who want gap insurance or new car replacement, which Geico doesn’t offer. AAA also includes trip interruption coverage with its roadside plan, which is ideal for long-distance travelers, something not available with Geico.
What is the number one risk factor for AAA?
The number one risk factor for AAA is being classified as a high-risk driver, such as having a DUI or poor credit. AAA charges $190 a month for bad credit and $461 a month for DUI—rates significantly higher than Geico. These high rates make AAA less ideal for drivers with violations or financial instability, especially those seeking high-risk auto insurance with more affordable options.
Find better coverage rates in minutes using our free quote comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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.
