Geico vs. AAA Car Insurance in 2025 [Compare Costs & Options!]

Comparing Geico vs. AAA car insurance reveals Geico’s appeal to budget-conscious drivers and AAA’s value for members, who benefit from built-in perks.

Geico, a Berkshire Hathaway subsidiary, offers low rates nationwide and a strong range of coverages. Its Auto Repair Xpress program ensures fast, high-quality repairs.

Geico vs. AAA Car Insurance Rating

AAA insurance is offered through regional motor clubs, so availability varies by state. It provides multiple coverage options, and its AAR program ensures that members receive quality repairs.

Geico supports direct access and quick claims, while AAA enhances value through bundled member services. Both serve different needs with distinct access and service models.

Uncover the best value between AAA vs. Geico car insurance by entering your ZIP code into our free quote comparison tool and instantly viewing multiple personalized quotes.

How Geico and AAA Car Insurance Rates Compare

This table shows full coverage rates from Geico and AAA by age and gender. The premiums for teen drivers are very high, but Geico offers about $219 less for 16-year-old drivers.

Geico vs. AAA Full Coverage Car Insurance Monthly Rates

Rates drop significantly by age 30. Geico remains lower across every category. Geico’s pricing advantage stays solid, even when the gender gap shrinks with age.

This table compares Geico and AAA to nine other insurers. Geico posts the lowest monthly rate at $43 for minimum coverage and $114 for full.

Car Insurance Monthly Rates by Coverage Level

AAA is notably higher at $65 and $122. Travelers and Liberty Mutual car insurance have the most expensive full coverage. State Farm offers competitive rates, falling just behind Geico for budget-conscious drivers.

Full coverage rates from Geico and AAA shift dramatically based on driving history. While both charge $189 after an accident, Geico’s DUI rate jumps to $309, nearly $100 more than AAA’s.

Geico vs. AAA Full Coverage Car Insurance Monthly Rates by Driving Record

AAA keeps pricing tighter across violations, especially with DUIs. A clean record saves the most, but one misstep can spike your monthly premium by over 60%. Find out which companies still offer cheap car insurance after a DUI conviction.

Coverage Options With Geico vs. AAA

Both Geico and AAA offer essential protections like liability, which pays for injuries and property damage you cause, and collision, which covers your vehicle in crashes.

Geico vs. AAA Car Insurance Coverage Options

Comprehensive protects against non-crash damage like theft or hail. PIP and MedPay handle medical bills regardless of fault. The uninsured motorist steps in when the other driver lacks coverage. Roadside assistance and rental reimbursement are included by both, though Geico charges extra for roadside assistance.

Geico stands out with its Mechanical Breakdown Insurance (MBI), which covers internal failures beyond standard warranties, which AAA insurance doesn’t offer. Both include gap insurance, helping drivers avoid paying out-of-pocket on totaled financed vehicles. Learn how rates differ across providers when you compare GAP insurance today.

Geico vs. AAA: Car Insurance Discounts

Geico and AAA diverge in discount strength across categories. While both offer 25% off for multi-vehicle policies, Geico outpaces AAA in low mileage and military savings. Explore the features that make the best low-mileage car insurance ideal for remote workers and city dwellers with limited commutes.

Geico vs. AAA Car Insurance Discount Savings Compared

AAA counters with higher safe-driving and anti-theft rewards. The table below highlights which provider gives deeper savings depending on your habits, vehicle type, and eligibility for specialty discounts.

Geico vs. AAA: Customer Reviews and Ratings

This table compares Geico and AAA according to major rating agencies. In J.D., AAA is a little bit ahead of Geico. Power’s satisfaction scores, while both tie in Consumer Reports at 74/100.

Insurance Business Ratings & Consumer Reviews: Geico vs. AAA

Geico insurance has an advantage in financial strength, holding an A++ rating from A.M. Best. Both companies have low complaint ratios, but Geico is slightly better, with even fewer complaints reported.

This table reveals how Geico and AAA stack up in the national auto insurance market. Geico holds 12.3% of the market, making it a dominant force among U.S. insurers.

AAA trails far behind at just 1.5%, showing limited reach. The remaining 86.2% is divided among other competitors, who have smaller but collectively significant shares.

Read more: Geico Car Insurance Review

How Geico vs. AAA Auto Insurance Stack Up

The American Automobile Association (AAA) is more famous as an auto club. They also offer auto insurance to their members. Geico auto insurance used to only sell coverage to government employees, but started selling to all consumers a few decades ago.

You do have to be an AAA car insurance member to purchase their auto insurance. That membership does provide some extra benefits that might be attractive to many vehicle owners. For example, here are some of the benefits of membership:

• You get roadside assistance
• There are a variety of discounts at hotels, restaurants, and attractions
• They offer a locksmith service

Geico is known as a direct, no-frills company with competitive rates. However, you can also choose to add roadside assistance to your policy with this company for an extra charge. This includes services like towing and flat tire changing, but it does not cover all other member discounts.

A user on Reddit mentioned that AAA offers coverage regardless of which vehicle you are in, even if you’re not driving or it’s not your car.

On the other hand, Geico usually covers only the specific vehicle insured under its policy. Discover whether Geico or AAA car insurance fits your budget by entering your ZIP code now.