Geico vs. USAA Auto Insurance (2023)
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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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 ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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- 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.
| Age, Gender, and Marital Status | Geico Average Annual Rates | USAA 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 |
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.
| Driving Record | Geico Average Annual Rates | USAA 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 |
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.
| Credit History | Geico Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Good | $2,434.82 | $1,821.20 |
| Fair | $2,986.79 | $2,219.83 |
| Poor | $4,259.50 | $3,690.73 |
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.
| Auto Insurance Discounts | Geico (%) | USAA (%) |
|---|---|---|
| Anti-lock Brakes | 5 | x |
| Anti-Theft | 25 | x |
| Claim Free | 26 | 12 |
| Continuous Coverage | x | N/A |
| Daytime Running Lights | 1 | x |
| Defensive Driver | x | 3 |
| Distant Student | x | x |
| Driver's Ed | x | 3 |
| Driving Device/App | x | 5 |
| Early Signing | x | 12 |
| Emergency Deployment | 25 | N/A |
| Family Legacy | x | 10 |
| Farm Vehicle | x | N/A |
| Federal Employee | 8 | N/A |
| Full Payment | x | N/A |
| Further Education | x | N/A |
| Garaging/Storing | N/A | 90 |
| Good Student | 15 | 3 |
| Homeowner | x | N/A |
| Low Mileage | x | x |
| Loyalty | x | x |
| Married | N/A | x |
| Membership/Group | x | N/A |
| Military | 15 | x |
| Military Garaging | N/A | 15 |
| Multiple Policies | 10 | x |
| Multiple Vehicles | 25 | x |
| Newer Vehicle | x | 12 |
| Occasional Operator | N/A | x |
| Occupation | x | N/A |
| Paperless/Auto Billing | N/A | 3 |
| Passive Restraint | 40 | x |
| Safe Driver | 15 | 12 |
| Seat Belt Use | 15 | N/A |
| Senior Driver | N/A | x |
| Students & Alumni | x | N/A |
| Utility Vehicle | x | N/A |
| Vehicle Recovery | 15 | x |
| VIN Etching | N/A | x |
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.