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GEICO vs. USAA: Which Car Insurance Is Cheaper?

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 27, 2021

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Key Takeaways

  • USAA car insurance is cheaper than GEICO in every category
  • The two companies have similar financial and customer satisfaction ratings
  • USAA car insurance is only available to members of the military, veterans, and their families

There are a lot of choices out there when it comes to auto insurance. Which company will provide the best and cheapest car insurance for you?

Comparing companies side by side will help you find the provider that best suits your needs. In this guide, we’ll compare GEICO vs. USAA car insurance companies to see if either might be a good fit.

To make a decision, compare the pros and cons of each company based on rates, discounts, and ratings to see who can give you the best deal.

Keep reading to compare affordable GEICO vs. USAA car insurance quotes, or enter your ZIP code to compare multiple companies in your area.

Is GEICO car insurance or USAA car insurance cheaper?

Just what factors go into setting 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 determine how affordable GEICO vs. USAA car 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 car insurance rates by age, gender, and marital status. It’s no surprise that car 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 Rates based on Age, Gender and Marital Status
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 car insurance companies look at is your driving record. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.

GEICO vs. USAA Average Annual Rates based on 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.

Your credit score is also looked at when calculating your car insurance rates. Car insurance companies 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 Rates based on 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
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Once again, USAA is cheaper than GEICO no matter your credit score.

You may live in a state such as California, where basing car insurance on credit scores is illegal. Be sure to check out our car insurance by state page before judging GEICO vs. USAA auto insurance rates based on credit score alone.

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Does GEICO or USAA have better car insurance discounts?

Car insurance discounts are one of the best ways to significantly lower your rates. Most car 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 car 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 best deal.

GEICO vs. USAA Car 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
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The two companies offer many of the same discounts, but there are some differences. For example, your GEICO quote may include a continuous coverage discount that you can’t get from USAA.

On the other hand, your USAA quote might list a discount for being married that GEICO doesn’t offer.

If you bundle your auto insurance policy with a GEICO or USAA home insurance policy, you can save even more. Call the GEICO or USAA customer service number to inquire about your bundling options.

When you compare USAA vs. GEICO auto insurance quotes, ask for any available discounts. If you are already with one of these companies, use your USAA or GEICO login to find out about other discounts — it doesn’t hurt to ask.

How do GEICO and USAA compare in financial strength and customer satisfaction?

A.M. Best ranks the financial stability of insurance companies. Both GEICO and USAA received an A++ rating, meaning they have superior abilities 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 price, billing, the USAA and GEICO claims process, and what products are offered. In most regions, both GEICO and USAA ranked above average.

Both companies offer easy-to-use websites, mobile apps, and additional services such as roadside assistance. You can even compare GEICO vs. USAA homeowners insurance online.

Deciding whether to buy GEICO vs. USAA car insurance can be difficult. Compare rates, discounts, and ratings to see if either is right for you. You can also compare other companies to see who can offer you the best deal.

Now that you’ve compared GEICO vs. USAA car insurance, enter your ZIP code to see quotes from 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.

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