Geico vs. USAA Auto Insurance (2024)

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.

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of, a financial educat...

Licensed Insurance Agent

UPDATED: Dec 19, 2023

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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

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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

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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

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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 DiscountsGeico (%)USAA (%)
Anti-lock Brakes5x
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
Good Student153
Low Mileagexx
Military GaragingN/A15
Multiple Policies10x
Multiple Vehicles25x
Newer Vehiclex12
Occasional OperatorN/Ax
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

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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.

Frequently Asked Questions

What is Geico?

Geico (Government Employees Insurance Company) is an American auto insurance company known for its catchy advertisements and competitive rates. It is one of the largest insurance providers in the United States, serving millions of customers nationwide.

What is USAA?

USAA (United Services Automobile Association) is a financial services company that primarily serves military members and their families. It offers various insurance products, including auto insurance, along with banking, investing, and other financial services.

Which company offers better coverage?

The coverage offered by Geico and USAA is generally comparable in terms of standard auto insurance policies. Both companies provide liability coverage, collision and comprehensive coverage, and various optional add-ons. The specific coverage options and limits may vary based on individual circumstances and state regulations. It is advisable to compare the coverage details, terms, and conditions from each company to determine which one best suits your needs.

Can I switch between Geico and USAA if I am eligible for both?

Yes, you can switch between Geico and USAA if you are eligible for coverage from both companies. However, it is essential to consider various factors, including pricing, coverage options, customer service, and any unique benefits or discounts provided by each company. It is recommended to obtain quotes and compare the offerings to make an informed decision.

How can I obtain quotes from Geico and USAA?

To obtain insurance quotes from Geico, you can visit their website or call their toll-free number to speak with a representative. Similarly, to obtain quotes from USAA, you can visit their website or contact their customer service directly. Both companies typically require you to provide relevant information about your vehicle, driving history, and personal details to generate accurate quotes.

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