GEICO vs. USAA Car Insurance (2022)
GEICO and USAA are two of the cheapest companies in the United States, but rates will vary from person to person. How affordable GEICO vs. USAA car insurance is for you will depend on the discounts for which you qualify from each company. Compare GEICO vs. USAA car insurance quotes to find the best deal for you..
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UPDATED: Jun 17, 2022
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- USAA car insurance is $57 cheaper than GEICO per month
- GEICO quotes are available for all consumers, but USAA quotes are limited to military members, veterans, and their immediate families
- You’ll pay more for GEICO car insurance, but USAA has fewer car insurance discounts
Have you narrowed your car insurance choices down to GEICO and USAA? Comparing GEICO vs. USAA car insurance isn’t as complicated as it seems, but getting reliable coverage could be challenging.
Don’t worry — we’re here to help. We’ll show you how to compare car insurance, discounts, and third-party ratings of two of the best insurance companies in the United States.
Read on to learn more about how GEICO vs. USAA compare. For more than one free auto insurance quote from top auto insurance companies right now, enter your ZIP code above.
GEICO vs. USAA Car Insurance Pricing: Which company has the cheapest national average?
Based on the national average, there is a $57 difference in the rates for USAA and GEICO. The national average for USAA auto insurance is $211 per month, while GEICO auto insurance has a national average of $268 per month.
It’s not a significant difference like you may have seen with other company comparisons. But remember, USAA quotes are only available to military members, veterans, and their immediate families.
The same wide range of factors that determine car insurance rates for other companies apply to USAA and GEICO coverage. Continue reading to learn more about how those factors affect monthly auto insurance rates at both companies.
If you want a closer look at these companies, we have in-depth information in our USAA insurance review and GEICO insurance review.
How does age affect GEICO vs. USAA car insurance rates?
Age usually correlates to your driving experience. That’s why a GEICO quote or USAA quote is more expensive when you include teen or young adult drivers, who have had less time to cultivate good driving habits, on your auto insurance policy.
Let’s look at how GEICO and USAA estimate car insurance costs by age.
|Age of Drivers||GEICO Average Monthly Car Insurance Rates||USAA Average Monthly Car Insurance Rates|
As you can see, USAA car insurance is more affordable for every demographic.
There may not be a huge difference in affordable rates for GEICO and USAA, but the cost of car insurance adds up, especially if you’re insuring a younger driver.
How does credit score affect GEICO vs. USAA car insurance quotes?
Car insurance companies believe that drivers with good or excellent credit are less likely to file a claim, so these drivers see cheaper rates.
If your state has not banned this practice, GEICO and USAA will use your credit history to determine your rates. Let’s see how these companies calculate credit-based car insurance.
|Credit Score Summary||GEICO Average Monthly Car Insurance Rates||USAA Average Monthly Car Insurance Rates|
|Good Credit Score (670-739)||$203||$152|
|Fair Credit Score (580-669)||$249||$185|
|Poor Credit Score (300-579)||$355||$308|
Once again, GEICO is the more expensive car insurance company when compared to USAA. GEICO’s rates for those with fair credit are almost $65 more per month than the rates USAA charges.
How do driving records impact GEICO and USAA car insurance premiums?
The easiest way to get cheap car insurance is by keeping a clean driving record. Any infraction can impact your rates, but which violation will hurt your wallet the most?
Let’s review a few driving infractions and see how USAA vs. GEICO car insurance rates compare.
|Driving Record Summary||GEICO Average Monthly Car Insurance Rates||USAA Average Monthly Car Insurance Rates|
|Clean Driving Record||$179||$161|
|With 1 Speeding Violation||$220||$183|
|With 1 Accident||$266||$210|
|With 1 DUI||$406||$292|
USAA insurance is still more affordable regardless of your driving record. Accidents and DUI convictions impact your premium the most.
Although your rates could be different if you’re eligible for the GEICO military discount, you’ll have to qualify for more deals to match the lower prices of USAA. Read on to learn more.
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USAA vs. GEICO: Special and Standard Car Insurance Discounts
Were you interested in comparing GEICO vs. USAA homeowners insurance along with auto insurance? If so, you can bundle home insurance with car insurance to save money on your total insurance bill.
Even if you don’t want to bundle with an auto policy, there are many more discounts to consider when you get a GEICO or USAA quote.
But which company has more? Let’s compare USAA and GEICO discounts to find out.
|Car Insurance Discounts||GEICO Availability||USAA Availability|
|Adaptive Cruise Control||✘||✘|
|Daytime Running Lights||✔||✔|
|Electronic Stability Control||✘||✘|
|Lane Departure Warning||✘||✘|
|Forward Collision Warning||✘||✘|
|New Customer/New Plan||✘||✘|
|Seat Belt Use||✔||✘|
|Students & Alumni||✔||✘|
USAA is cheaper, but GEICO provides more discounts for its customers. If you qualify for enough bargains, you could pay even less than USAA customers do on average.
Discounts can also help with optional types of coverage costs, such as GEICO’s mechanical breakdown insurance.
GEICO vs. USAA Car Insurance: Financial Strength and Consumer Reviews
It’s important to get a fair price, but you also want to know that the company you’re choosing is reliable.
We collected ratings from the best agencies in the United States to give you an idea of how GEICO and USAA are performing financially and how satisfied their customers are. Let’s look at the ratings.
|Agencies||GEICO Ratings||USAA Ratings|
|NAIC Complaint Index||1.14||1.8|
|J.D. Power - Power Circle Ratings||About Average||Among The Best|
|Apple App Store (iOS) Ratings||5 stars||4 stars|
|Google Play Store (Android) Ratings||5 stars||5 stars|
USAA and GEICO have the same ratings under A.M. Best and S&P. However, USAA has a better Moody’s rating. These ratings indicate that both companies are very financially secure.
Based on the information from the National Association of Insurance Commissioners (NAIC), USAA receives significantly more customer complaints than GEICO. However, USAA has a much better J.D. Power score. GEICO has more positive mobile app ratings than USAA.
GEICO vs. USAA Car Insurance: What’s the bottom line?
USAA is the more affordable auto insurance provider, but it’s not available to all customers. GEICO may be a good choice for those who aren’t eligible for USAA because of the military requirements.
If you are in the military, make sure to look into all of the GEICO discounts you might be eligible for before you decide whether to buy GEICO vs. USAA car insurance. It could still end up being the better option in terms of overall insurance cost for you.
Now that you know more about GEICO vs. USAA car insurance, you can shop for car insurance with confidence. Enter your ZIP code in the free comparison tool below to compare the best companies in your area.
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