GEICO vs. USAA Auto Insurance (2021)

We compare GEICO vs. USAA auto insurance rates by age, driving record, and credit score. We also stack up GEICO vs. USAA car insurance discounts. Both GEICO and USAA Insurance have similar rates and received superior ratings for financial stability and customer satisfaction, but USAA is only available to military members, veterans, and their families.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

Advertiser Disclosure

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.

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.

Things to Remember

  • 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

Both GEICO and USAA are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?

We’ll compare GEICO vs. USAA auto insurance rates based on age, driving record, and credit history to see which one can give you a better deal. We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of GEICO vs. USAA auto insurance companies.

Keep reading to learn how to find affordable GEICO vs. USAA auto insurance rates, or enter your ZIP code above to compare car insurance quotes from local providers right now.

Is GEICO auto insurance or USAA auto insurance cheaper?

Just what factors go into determining 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 decide 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.

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 Auto Insurance Rates by Age
Age, Gender, and Marital StatusGEICO Average Annual RatesUSAA 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
Get Your Rates Quote Now

Compare RatesStart Now →

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 Auto Insurance Rates by Driving Record
Driving RecordGEICO Average Annual RatesUSAA 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
Get Your Rates Quote Now

Compare RatesStart Now →

GEICO is more expensive regardless of your driving record.

Car insurance companies also consider your credit score when calculating your auto insurance rates. Insurance providers think that if you have a higher credit score, you’ll be more likely to pay for damages yourself and not file a claim.

GEICO vs. USAA Average Annual Auto Insurance Rates by Credit History
Credit HistoryGEICO Average Annual RatesUSAA Average Annual Rates
Good$2,434.82$1,821.20
Fair$2,986.79$2,219.83
Poor$4,259.50$3,690.73
Get Your Rates Quote Now

Compare RatesStart Now →

Once again, USAA is cheaper than GEICO no matter your credit score.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

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 DiscountsGEICO (%)USAA (%)
Anti-lock Brakes5x
Anti-Theft25x
Claim Free2612
Continuous CoveragexN/A
Daytime Running Lights1x
Defensive Driverx3
Distant Studentxx
Driver's Edx3
Driving Device/Appx5
Early Signingx12
Emergency Deployment25N/A
Family Legacyx10
Farm VehiclexN/A
Federal Employee8N/A
Full PaymentxN/A
Further EducationxN/A
Garaging/StoringN/A90
Good Student153
HomeownerxN/A
Low Mileagexx
Loyaltyxx
MarriedN/Ax
Membership/GroupxN/A
Military15x
Military GaragingN/A15
Multiple Policies10x
Multiple Vehicles25x
Newer Vehiclex12
Occasional OperatorN/Ax
OccupationxN/A
Paperless/Auto BillingN/A3
Passive Restraint40x
Safe Driver1512
Seat Belt Use15N/A
Senior DriverN/Ax
Students & AlumnixN/A
Utility VehiclexN/A
Vehicle Recovery15x
VIN EtchingN/Ax
Get Your Rates Quote Now

Compare RatesStart Now →

The two companies offer many of the same discounts, but there are some differences. For example, your GEICO quotes 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 to ask for any available discounts when you compare USAA vs. GEICO auto insurance quotes. Also, before you file USAA or GEICO claims, ask about accident forgiveness.

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 both have a superior ability 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 customer service ranked above average.

Both companies offer mobile apps and websites where you can use your USAA or GEICO login to view your ID cards and coverage information and pay your bill.

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption