Ameriprise vs. GEICO Car Insurance [2021]

When comparing Ameriprise vs. GEICO car insurance, both offer great rates depending on your driving situation. When looking at Ameriprise and GEICO's car insurance rates, GEICO's are cheaper than Ameriprise's in almost every category. However, you can save a lot of money by utilizing Ameriprise car insurance discounts. For example, the Ameriprise multi-vehicle discount can save you up to 15%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 3, 2021

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Here's What You Need to Know

  • Ameriprise car insurance is now known as CONNECT
  • CONNECT is available through Costco
  • GEICO and Ameriprise insurance both offer great rates in various areas
  • GEICO and Ameriprise both have a lot of discounts to help you save money

This Ameriprise vs. GEICO car insurance review will help you decide which, if either, of these two companies is right for you. Reading our GEICO car insurance review may answer the question, “Is GEICO good insurance?” — but it will tell you nothing about Ameriprise.

Ameriprise has a lot to offer and various discounts that can make it exceptionally affordable.

Ameriprise is now known as CONNECT car insurance, and it is available through Costco. If you are a Costco member, you can save a lot of money by signing up for Ameriprise car insurance.

Continue reading to find out which company has better rates for you when debating between Ameriprise vs. GEICO.

Before jumping into this Ameriprise vs. GEICO car insurance review, enter your ZIP code here and check out how much you can save from companies near you.

Which company has more affordable rates, Ameriprise or GEICO?

Most of us have been with our car insurance companies for quite some time. This leads to overpayment and the hunt for cheaper car insurance. From there, you may start to wonder, “Can I get affordable Ameriprise or GEICO car insurance?”

Both Ameriprise and GEICO have decently low base rates. However, depending on your driving situation, one will likely be more affordable than the other.

Car insurance companies take things like age, credit score, driving record, location, and annual mileage into consideration when figuring out your rates. Once you get your base rates, you need to consider discounts to see which rates will be the lowest.

Now we will go over some different driving situations so you can see whether the Ameriprise or GEICO car insurance company will be the best fit for you.

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Ameriprise vs. GEICO: Average Rates Based on Driving History

While many things impact your car insurance rates, your driving record is a major one. If you have to use the GEICO windshield replacement coverage, it shouldn’t affect your rates. However, if you have infractions, your rates are going to go up.

Depending on the infraction, you could see your rates double. Knowing how driving violations affect your rates will help you pick the most affordable company. Driving violations will eventually come off of your driving record. When they do fall off, you will see your rates go down.

Here is a look at how some of the most common driving infractions will impact your overall rates.

Ameriprise vs. GEICO Average Monthly Car Insurance Rates Based on Driving Record
Driving Record SummaryAmeriprise Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
Clean Driving Record$224$179
With 1 Speeding Violation$252$220
With 1 Accident$310$266
With 1 DUI$361$406
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GEICO is more affordable in pretty much every category than Ameriprise for those that have negative marks on their driving record. Adding discounts to your car insurance policy can significantly reduce costs and may make Ameriprise the more affordable option.

Ameriprise vs. GEICO: Average Rates Based on Credit Score

While your driving record will play a bigger role in your car insurance rates than your credit score, your credit score will still help determine how affordable your insurance is. The better your credit score, the cheaper your rates.

When comparing Ameriprise vs. GEICO car insurance rates, credit history needs to be taken into account. Here is what you may be facing in cost based on your credit score.

Ameriprise vs. GEICO Average Monthly Car Insurance Rates by Credit History
Credit HistoryAmeriprise Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
Good Credit (670-739)$224$203
Fair Credit Score (580-669)$264$249
Poor Credit Score (300-579)$372$355
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As with costs associated with your driving record, GEICO is more affordable regardless of your credit score. So, if your credit is less-than-stellar or your driving record isn’t perfect, GEICO is likely going to be able to save you the most money.

Ameriprise vs. GEICO: Average Rates Based on Age, Gender, and Marital Status

It’s surprising how many different factors impact your car insurance rates. Taking the time to go over singular reviews like the Ameriprise car insurance review will give you great insight into how each company determines rates.

However, comparing companies against each other is the easiest way to see where you can save the most money. Here is a glance at what your rates may be based on your age, gender, and marital status.

Ameriprise vs. GEICO Average Monthly Car Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmeriprise Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
Single 17-year-old male$678$523
Single 17-year-old female$500$471
Single 25-year-old female$191$198
Single 25-year-old male$225$189
Married 35-year-old female$184$192
Married 35-year-old male$185$193
Married 60-year-old female$166$187
Married 60-year-old male$168$190
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As you can see, depending on where you land in this graph will determine which company will be cheaper for you. In some categories, Ameriprise wins, and in others, it’s all about GEICO.

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Which company offers better discounts, Ameriprise or GEICO?

As mentioned, discounts will help cut down on your car insurance costs. Getting familiar with the discounts available will ensure you have the best rates possible.

If you are still unsure if you should buy Ameriprise or GEICO car insurance, take a look at the discounts offered by these two powerhouse companies and how much they can save you.

Ameriprise vs. GEICO Available Car Insurance Discounts
DiscountsAmeriprise Car InsuranceGEICO Car Insurance
Accident (Merit) RatingDepends on Your StateN/A
Accident ForgivenessDepends on Your StateN/A
Accident Free3%Depends on Your State
Anti-lock Brake5%5%
Anti-theft Devices25%25%
Daytime Running Lights3%3%
Defensive Driver10%Depends on Your State
Driving Habits5%N/A
Driving trainingN/ADepends on Your State
Early Quote5%N/A
Electronic Stability Control5%N/A
Emergency DeploymentN/A25%
Federal EmployeeN/A25%
Good Driver2%26%
Good Student25%15%
Home Owner5%N/A
Low Mileage8%N/A
Loyalty5%N/A
Military25%15%
Multi-vehicle13%Depends on Your State
Multiple Policy15%Depends on Your State
New Graduate5%N/A
Occupation10%N/A
OrganizationN/ADepends on Your State
Paid in full5%N/A
Paperless documents3%N/A
Passive Restraint30%25%
Preferred payment5%N/A
Provider Switch5%N/A
Seat Belt UseN/A15%
Senior Adult25%Depends on Your State
Sponsored Marketing5%N/A
Student Away at School25%N/A
teenSMARTDepends on Your StateDepends on Your State
Travelink5%N/A
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As you can see, both companies offer excellent discounts to help you save money. By getting familiar with them, you will know where you qualify for the most discounts and save the most money.

With all the details, you should be able to decide if Ameriprise or GEICO car insurance quotes are best for you.

Now that you’ve finished this Ameriprise vs. GEICO car insurance review, check out free quotes from top-rated insurers in your area by entering your ZIP code here.

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