AAA vs. Geico Auto Insurance in 2025 (Side-by-Side Review)

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.

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.

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.

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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?

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.

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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.