American Family vs. GEICO Auto Insurance (2021)

Read our comparison of American Family vs. GEICO auto insurance rates based on age, driving record, and credit score. Both American Family and GEICO have great customer satisfaction and low customer complaint ratios, but GEICO has higher financial strength ratings. American Family Insurance has better rates for drivers with a poor driving record, but GEICO has cheaper auto insurance rates for teen drivers.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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Things to Remember

  • Both American Family and GEICO have great customer satisfaction and low customer complaint ratios
  • GEICO has the highest possible financial strength rating from A.M. Best
  • American Family has better rates for drivers with a poor driving record
  • GEICO has cheaper auto insurance rates for teen drivers
  • GEICO offers more discounts than American Family

American Family, abbreviated as AmFam, and GEICO are both reputable companies with stable financial strength. But which is better for you and your personal situation?

When comparing American Family vs. GEICO, both are on the list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength?

Overall, auto insurance rates between the two companies don’t differ much; however, penalties for a bad driving record or poor credit score differ greatly. GEICO is also defying the assumption that young males are poor drivers.

Read now to learn more about affordable American Family vs. GEICO auto insurance, and enter your ZIP code above to start comparing free auto insurance quotes from providers in your area.

Is American Family auto insurance or GEICO auto insurance cheaper based on age?

Age is one of the biggest factors in determining your auto insurance rates, and rightfully so — as we age, we drive more, so we become more practiced, aware, and safer behind the wheel.

Take a look at a comparison of American Family insurance rates and GEICO insurance rates based on age, gender, and marital status.

American Family vs. GEICO Average Annual Auto Insurance Rates by Age
Age, Gender, and Marital StatusAmerican Family Average Annual RatesGeico Average Annual Rates
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
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The majority of auto insurance companies will charge more for male drivers, especially teens. GEICO is definitely an excellent choice over American Family if you have a teen (specifically male) driver in your household.

At GEICO, auto insurance rates for teen males are 23% cheaper than American Family, and rates for single 25-year-old males are 16% cheaper.

Overall, American Family vs. GEICO auto insurance rates are fairly competitive for other age and gender groups.

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Is American Family auto insurance or GEICO auto insurance cheaper based on driving record?

If you have a record of infractions such as speeding tickets, accidents, or DUIs, it doesn’t matter what company you choose; you will always pay higher rates than drivers with a clean record. Be sure to look into discounts to offset your high rates.

American Family vs. GEICO Average Annual Auto Insurance Rates by Driving Record
Driving RecordAmerican Family Average Annual RatesGeico 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
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American Family auto insurance rates are around $500 higher than GEICO auto insurance rates for those with a speeding ticket or accident on their record. However, American Family is more forgiving for drivers that incur a DUI.

GEICO auto insurance quotes increase more dramatically with more serious infractions. We figure this is because GEICO was originally for government employees, so, naturally, there are greater penalties for breaking laws.

In fact, when compared to a driver with a clean record, GEICO penalizes drivers that cause an accident with a 50% increase in rates. Drivers with GEICO who get a DUI will pay well over double what a driver with a clean record pays.

Is American Family auto insurance or GEICO auto insurance cheaper based on credit score?

Unfortunately, auto insurance companies assume that drivers with bad credit are more likely to file a claim. The good news is that several states have passed bills making it illegal for auto insurance companies to base rates on credit scores.

Let’s take a look at how American Family and GEICO handle drivers with good, fair, and poor credit scores.

American Family vs. GEICO Average Annual Auto Insurance Rates by Credit Score
Credit History SummaryAmerican Family Average Annual RatesGeico 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
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Overall, GEICO auto insurance quotes are cheaper than American Family auto insurance rates based on credit score. However, GEICO is harsher when it comes to the difference in rates for a driver with fair or poor credit.

American Family rates increase by 18%-66% as a person’s credit score declines. Alternatively, GEICO rates increase by 23%-75% for those with fair or poor credit scores.

No matter what your credit score is, GEICO is a better option overall. But, if you choose GEICO and you experience financial trauma, expect your rates to skyrocket. If that happens, it may be a good idea to change companies.

Does American Family or GEICO have better auto insurance discounts?

Our data source shows only three discounts offered by American Family. GEICO offers 14 discounts and gives a bigger discount for having airbags, which is the only discount American Family and GEICO share.

American Family vs. GEICO Auto Insurance Discounts
DiscountsAmerican FamilyGeico
Anti-lock BrakesN/A5
Anti-TheftN/A25
Claim FreeN/A26
Daytime Running LightsN/A1
Defensive Driver10N/A
Driving Device/App40N/A
Emergency DeploymentN/A25
Federal EmployeeN/A8
Good StudentN/A15
MilitaryN/A15
Multiple PoliciesN/A10
Multiple VehiclesN/A25
Passive Restraint3040
Safe DriverN/A15
Seat Belt UseN/A15
Vehicle RecoveryN/A25
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If you’re considering GEICO and have a bad driving record or a poor credit score, you should rely heavily on GEICO auto insurance discounts. Some of GEICO’s highest discounts are for anti-theft devices, vehicle recovery, being claim-free, insuring multiple vehicles, and urgently deployed military members.

There are two auto insurance discounts American Family offers that GEICO does not: 1) the discount for completing a defensive driving course, and 2) the discount for using the American Family mobile app or device to track your driving habits.

Before you get your American Family or GEICO quote, be sure to ask if there are any extra discounts by calling American Family or GEICO customer service at the American Family or GEICO insurance phone number.

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Does American Family or GEICO have better auto insurance mobile apps?

Most of the bigger auto insurance companies have two different types of apps. One is a general app used to show electronic verification of coverage, pay your bill, or adjust your coverage levels. Before making adjustments, make sure you understand the different types of auto insurance coverage.

The other is a driving app that uses your mobile phone to record your driving habits. Alternatively, the company may request that you install a device into your car. This is called usage-based auto insurance.

One thing to note: GEICO was the last of the top 10 auto insurance companies to design and implement a usage-based driving app, so be aware that they may still be working out the bugs.

Usually, in both the general app and the driving app, your American Family login or GEICO login would likely be the same.

How does American Family vs. GEICO auto insurance compare in financial strength and customer satisfaction?

Getting the best auto insurance rates is something worth celebrating, especially if you get to take advantage of a discount.

But it’s also critical to look at these companies’ financial strength, customer satisfaction with the American Family and GEICO claims processes and customer complaints. The following three credible and trustworthy agencies shine a light on these factors:

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++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.

American Family vs. GEICO Company Ratings
AgenciesAmerican Family RatingsGeico Ratings
AM BestA (Excellent)A++ (Superior)
Consumer Reports8989
NAIC Complaint Ratio0.79 (total of 73 complaints)0.68 (total of 333 complaints)
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Both American Family and GEICO have positive feedback from customers that go through the claims process and do well with managing customer complaints.

Additionally, GEICO vs. American Family insurance ratings show that the financial future of both companies is strong, but GEICO carries the highest rating possible from A.M. Best.

Before you buy American Family vs. GEICO auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.

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