GEICO vs. USAA Car Insurance [2021]

This GEICO vs. USAA car insurance review will cover GEICO vs. USAA car insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. Before you buy car insurance, compare car insurance quotes from the best companies in your locale, by entering your ZIP code below.

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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: Dec 1, 2020

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Geico vs. USAA Car Insurance Overview
SummaryGeico StatsUSAA Stats
Year Founded19361922
Headquarters5260 Western Avenue Chevy Chase, MD 208159800 Fredericksburg Road San Antonio, TX 782888
AvailabilityAll StatesAll States
Direct Premiums$6.3 billion$7.1 billion
Market Share13%6%
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We were often asked, “Is USAA car insurance cheaper than GEICO car insurance?” This prompted us to create a GEICO vs. USAA car insurance guide to give you everything you need to know about GEICO and USAA insurance.

With our guide, you can get sample GEICO quotes and USAA quotes to get an idea of how much you could pay for auto insurance in your state.

Speaking of which, we’ve included car insurance rates that may apply to your driving record, listed insurance ratings, available coverages, and discounts that can help you save money on GEICO and USAA car insurance.

Check out affordable car insurance options in your area by entering your ZIP code above before learning more about GEICO vs USAA car insurance.

GEICO vs. USAA: Comparing Car Insurance Rates

Why is USAA insurance so expensive? Can I really save 15 percent or more on car insurance with GEICO ? GEICO vs. USAA car insurance Reddit reviews are one way to go, but our guide has facts and figures to help answer your questions.

USAA and GEICO have some of the cheapest rates in the United States. Your rates will indeed be different than some of the annual rates presented in the following sections. However, some conditions can lower your premium. We’ll talk more about that in our discount section.

For now, continue to the next sub-section to learn which state has the cheapest GEICO and USAA auto insurance rate.

GEICO vs. USAA: Which is the cheapest by the state?

GEICO and USAA are in all 50 states. North Carolina, New Jersey, and South Dakota didn’t have available rates despite USAA’s availability nationwide.

However, we can still determine what the cheapest state for auto insurance is for GEICO and USAA. Review the car insurance rates below.

Geico vs. USAA Average Annual Car Insurance Rates By State
StatesGeico Average Annual Car Insurance RatesUSAA Average Annual Car Insurance Rates
Massachusetts$1,510$1,459
New Hampshire$1,615$1,907
Ohio$1,867$1,478
Virginia$2,062$1,858
West Virginia$2,121$1,985
Vermont$2,196$1,904
Indiana$2,261$1,631
Arizona$2,265$3,084
Iowa$2,296$1,853
New York$2,428$3,762
Washington$2,569$2,262
Pennsylvania$2,605$1,793
North Dakota$2,668$2,007
New Jersey$2,755Data Not Available
Idaho$2,771$1,878
Illinois$2,779$2,770
Maine$2,823$1,931
Alabama$2,867$2,124
Alaska$2,880$2,454
Missouri$2,885$2,526
California$2,886$2,694
North Carolina$2,937Data Not Available
South Dakota$2,940Data Not Available
Utah$2,966$2,491
Georgia$2,977$3,157
Connecticut$3,074$3,190
Colorado$3,092$3,339
South Carolina$3,178$3,425
Oregon$3,220$2,587
Kansas$3,221$2,383
Texas$3,263$2,488
Tennessee$3,283$2,739
Hawaii$3,359$1,189
Oklahoma$3,437$3,174
Arkansas$3,485$2,171
Wyoming$3,497$2,780
Minnesota$3,499$2,862
Montana$3,602$2,032
Nevada$3,662$3,069
District of Columbia$3,693$2,580
Delaware$3,727$2,326
Florida$3,784$2,850
Maryland$3,833$2,744
Nebraska$3,837$2,331
Wisconsin$3,926$2,976
Mississippi$4,087$2,056
New Mexico$4,458$2,297
Kentucky$4,634$2,898
Rhode Island$5,603$4,324
Louisiana$6,155$4,353
Michigan$6,430$3,620
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The cheapest state for USAA car insurance in Hawaii, while Massachusetts is the most affordable state for GEICO auto insurance.

GEICO vs. USAA: Which is cheapest by driving record?

Driving records are essential factors that determine car insurance. Speeding tickets produce the least increases, while DUIs/DWIs have the most significant increases.

The average annual rate for a clean driving record at GEICO and USAA is $2,100 and $1,900 per year, respectively. Go through each sub-section and see how violations and accidents affect GEICO and USAA auto insurance.

Rates With One Speeding Ticket

Speeding tickets are common violations that don’t make you a high risk. However, multiple speeding tickets could mean expensive rates for your auto insurance.

Let’s look at car insurance costs when you have one speeding ticket on your driving record.

Geico vs. USAA Average Annual Car Insurance Rates with One Speeding Ticket
CompaniesAverage Annual Car Insurance Rates with One Speeding Ticket
USAA$2,193
Geico$2,645
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GEICO’s average annual rate is increased by $500 when a policyholder has a speeding ticket on their driving record. However, USAA customers only receive a $300 increase.

Rates With One Car Accident

Did you know accidents are recorded by an organization called the Comprehensive Loss Underwriting Exchange (C.L.U.E)? C.L.U.E. will keep accidents on your insurance history for five to eight years.

But how do accidents affect GEICO and USAA auto insurance? Here’s a look into how much you can pay if you have an accident on your driving record.

Geico vs. USAA Average Annual Car Insurance Rates with One Accident
CompaniesAverage Annual Car Insurance Rates with One Accident
USAA$2,516
Geico$3,193
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USAA is still cheaper than GEICO. However, more accidents on your driving record could mean higher premiums.

Rates With One DUI

According to the National Highway Traffic Safety Administration (NHTSA), one person dies from drunk driving every 50 minutes. It’s a statistic with many variables. Therefore, car insurance companies don’t hesitate to issue higher rates to high-risk drivers, such as those who’ve been convicted of DUI/DWI.

Here are the average annual rates based on DUI/DWI convicted customers.

Geico vs. USAA Average Annual Car Insurance Rates with One DUI/DWI
CompaniesAverage Annual Car Insurance Rates with One DUI/DWI
USAA$3,506
Geico$4,876
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GEICO and USAA increase car insurance rates by the thousands when they have policyholders with a DUI/DWI on their driving record. Expensive rates for DUI/DWI convicted drivers usually fall within SR-22 car insurance.

GEICO vs. USAA: What is cheapest by age and gender?

Teen drivers have insurance rates close to what SR-22 drivers pay per year. Why? Teen drivers are more likely to be in an accident than adults.

According to the Center for Disease Control (CDC), motor vehicle crashes are among the leading causes of teen deaths in the United States.

Auto insurance companies prepare for the chances a teen could be in an accident by issuing higher rates. Continue reading to see how teen car insurance at GEICO and USAA compares to adults.

Geico vs. USAA Average Annual Car Insurance Rates Based On Age and Gender
Age and GenderGeico Average Annual Car Insurance RatesUSAA Average Annual Car Insurance Rates
Married 60-year-old female$2,241$1,450
Single 25-year-old male$2,263$2,126
Married 60-year-old male$2,283$1,449
Married 35-year-old female$2,303$1,551
Married 35-year-old male$2,312$1,540
Single 25-year-old female$2,379$1,989
Single 17-year-old female$5,654$4,808
Single 17-year-old male$6,279$5,386
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USAA has more opportunities for its customers to save money with cheaper insurance rates.

GEICO vs. USAA: Which is the cheapest by credit score?

Credit scores can determine whether your auto insurance rates will become cheap or expensive. Car insurance companies say there’s a correlation between credit score and chances to file a claim.

Watch this news report for more details on how credit scores affect car insurance.

Individuals with good credit will likely pay less for car insurance, while those with fair or poor credit scores will pay more. Let’s see how credit history affects GEICO and USAA.

Geico vs. USAA Average Annual Car Insurance Rates Based On Credit Score
CompaniesAverage Annual Car Insurance Rates with Good CreditAverage Annual Car Insurance Rates with Fair CreditAverage Annual Car Insurance Rates with Poor Credit
USAA$1,821$2,220$3,691
Geico$2,435$2,987$4,260
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With good credit, you can save the most money with GEICO and USAA. Poor credit scores have the most expensive rates, but USAA holds the cheapest rates.

GEICO vs. USAA: Which is the cheapest by annual mileage?

You’ll be asked if your vehicle is a work commute or pleasure use car during the quote process. Pleasure vehicles are not driven as much and have cheaper insurance rates, while cars for general use have higher annual rates.

Examine the rates below to see how annual mileage affects GEICO and USAA insurance.

Geico vs. USAA Average Annual Car Insurance Rates Based On Annual Mileage
CompaniesAverage Annual Car Insurance with 10 Miles Commute
6,000 Annual Mileage
Average Annual Car Insurance Rates with
25 Miles Commute
12,000 Annual Mileage
USAA$2,483$2,592
Geico$3,163$3,267
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You could pay a few hundred dollars more when annual mileage is considered for car insurance. Once again, USAA is cheaper than GEICO.

GEICO vs. USAA: Which is cheapest by car make and model?

What about vehicles in general? Do you pay more based on cars? It’s possible. Let’s review how a vehicle’s make and model can increase GEICO insurance and USAA insurance.

Geico vs. USAA Average Annual Car Insurance Rates By Make and Model
Make and ModelGeico Average Annual Car Insurance Rates Based on Vehicle Make and ModelUSAA Average Annual Car Insurance Rates Based on Vehicle Make and Model
2015 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$3,092$2,552
2015 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$3,093$2,410
2015 Toyota RAV4
XLE
$3,091$2,455
2018 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$3,338$2,856
2018 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$3,339$2,423
2018 Toyota RAV4
XLE
$3,337$2,530
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USAA issues rates that’re about $1,000 cheaper than GEICO.

GEICO vs. USAA: Which is cheapest by coverage level?

Your coverage level is based on the minimum requirements for car insurance, which is the lowest level you can purchase in a specific state. If you think you need more on coverage limits, you pay more. Look at GEICO’s and USAA’s rates based on coverage level.

Geico vs. USAA Average Annual Car Insurance Rates By Coverage Level
CompaniesAverage Annual Car Insurance Rates with Low CoverageAverage Annual Car Insurance Rates with Medium CoverageAverage Annual Car Insurance Rates with High Coverage
USAA$2,404$2,540$2,668
Geico$3,002$3,214$3,429
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Even at a low coverage level, car insurance rates from GEICO and USAA are higher than average. However, GEICO is still more expensive than USAA.

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GEICO vs. USAA: Ratings and Customer Satisfaction

Is USAA good auto insurance? Can GEICO provide good insurance services? These are questions that can be quickly answered by looking at ratings and customer reviews of GEICO and USAA.

Financial ratings are like the report cards of businesses across the world. Also, they are indicators of how car insurance companies manage money and payout claims to customers.

Customer ratings, on the other hand, show the customer response to their providers. Get this and more in the sub-sections below.

GEICO vs. USAA: What are their financial ratings?

Check out the financial strength and credit ratings of GEICO and USAA from the top agencies in the world.

Geico vs. USAA Car Insurance Financial Ratings
Financial Ratings AgenciesGeico's Financial Strength RatingsUSAA Financial Strength Ratings
A.M. BestA++A++
Moody'sAa3Aa1
Standard & Poor'sAA+AAA
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Overall, GEICO and USAA have excellent ratings across the three agencies. Let’s go into details on what these ratings mean for the insurance company giants.

GEICO vs. USAA: A. M. Best Ratings

The “A++” rating indicates that GEICO and USAA have a superior ability to meet customers’ obligations while maintaining a stable outlook in financial strength.

GEICO vs. USAA: Moody’s Ratings

The “Aa1” and “Aa3” are ratings from Moody’s that say both GEICO and USAA have high-quality financial standards and very low credit risk.

GEICO vs. USAA: S&P Ratings

Finally, S&P says GEICO has a very strong capacity to meet financial commitments (pay claims). In contrast, USAA has the highest rating of extremely strong capacity for financial commitments.

GEICO vs. USAA: How do customers rate them?

For customer ratings, we want to bring you something different than testimonials. There are agencies out there that survey and composite customer satisfaction reviews into one reliable score. Let’s look at those grades now.

Geico vs. USAA Car Insurance Customer Satisfaction Ratings
Customer Satisfaction Ratings AgenciesGeico's Customer Satisfaction RatingsUSAA's Customer Satisfaction Ratings
J.D. Power Power Circle RatingsAbout Average (Three Circles)Among The Best (Five Circles)
NAIC Complaint Index1.471.87
Consumer Reports Reader Score8995
Better Business BureauA+A+
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USAA has a higher rate of complaints than GEICO, according to the National Association of Insurance Commissioners (NAIC). However, USAA makes up for it under the J.D. Power Circle Ratings and Consumer Reports Reader Score.

GEICO vs. USAA: J.D. Power Auto Claims

Power Circle Ratings determine customer satisfaction at J.D. Power. USAA is among the best companies, while GEICO is about average.

GEICO vs. USAA: NAIC Complaint Index

GEICO has USAA beat in the ratio of complaints. Both companies, however, have a complaint index that’s higher than average.

GEICO vs. USAA: Consumer Reports

Under Consumer Reports, USAA’s score is much higher than GEICO .

GEICO vs. USAA: Better Business Bureau (BBB)

Both GEICO and USAA have an “A+” with the BBB. They have a few complaints from customers. Some of them have been resolve while others are still pending.

GEICO vs. USAA: What is their market share?

Market share is the percentage a business has in a particular industry. GEICO and USAA do business in the insurance industry and are considered the nation’s top companies in insurance.

GEICO has 13 percent of the insurance industry, while USAA has 6 percent. These percentages appear to be small, but you may reconsider if you consider all the insurance companies in the United States.

What car insurance is better than GEICO and USAA? The best place to answer that is through our FREE online quote tool. Enter your ZIP code to see which company in your area works for you.

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GEICO vs. USAA: Car Insurance Coverage and Options

Now you know all about how much you can pay for GEICO and USAA car insurance. Let’s go over what coverages you get once you enroll. Continue through the guide to learn more about car insurance coverage for GEICO and USAA.

GEICO vs. USAA: What are their coverage options?

Let’s jump right into the car insurance coverages you can receive from GEICO and USAA.

Geico vs. USAA Car Insurance Coverages
Geico Car Insurance CoveragesUSAA Car Insurance Coverages
Bodily Injury LiabilityBodily Injury Liability
Property Damage LiabilityProperty Damage Liability
Medical Payments CoverageMedical Payments Coverage
Personal Injury ProtectionPersonal Injury Protection
Uninsured/Underinsured Motorist CoverageUninsured/Underinsured Motorist Coverage
Collision CoverageCollision Coverage
Comprehensive CoverageComprehensive Coverage
Emergency Road ServiceAccident Forgiveness
Rental ReimbursementRideshare Insurance
Mechanical Breakdown InsuranceRoadside Assistance
Rental Reimbursement
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USAA has more coverages than GEICO, but USAA doesn’t have Mechanical Breakdown Insurance (MBI).

Usage-Based Insurance Programs

In recent years, auto insurance companies have adopted usage-based insurance programs to help customers save money and monitor their policyholders’ driving habits.

GEICO’s usage-based insurance program is known as DriveEasy. It doesn’t require telematics, but customers will need to install the DriveEasy Mobile App.

Telematics is a device you plug in the OBD port or a Bluetooth beacon you can place in your car.

USAA also has a usage-based insurance program called USAA SafePilot. This program works by customers installing the SafePilot Mobile App and using it to monitor driving habits. SafePilot does not require telematics.

GEICO vs. USAA: What discounts do they offer?

The tread and rubber to get cheap car insurance rolling are discounts. We’ve done some research and found the available discounts for GEICO and USAA.

Geico vs. USAA Car Insurance Discounts
Discount NameGeico Car Insurance DiscountsUSAA Car Insurance Discounts
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Control
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingx
Lane Departure Warning
Newer Vehiclexx
Green Vehicle
Forward Collision Warning
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Emergency Deploymentx
Engaged Couple
Family Legacyxx
Family Plan
Farm Vehiclex
Fast 5
Federal Employeex
Full Paymentx
Further Educationx
Garaging/Storingx
Good Credit
Good Studentxx
Homeownerx
Life Insurance
Low Mileagexx
Loyaltyxx
Marriedx
Membership/Groupx
Militaryxx
Military Garagingx
Multiple Drivers
Multiple Policiesxx
Multiple Vehiclesxx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operatorx
Occupationx
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billingx
Passive Restraintxx
Recent Retirees
Renter
Roadside Assistance
Safe Driverxx
Seat Belt Usex
Senior Driverx
Stable Residence
Students & Alumnix
Switching Provider
Volunteer
Young Driverx
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Despite GEICO having higher auto insurance rates, they have more discounts than USAA.

There may be an affordable auto insurance quote near you. Enter your ZIP code in the quote tool.

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GEICO vs. USAA: What is the best car insurance company?

USAA outscores GEICO in cost, customer ratings, and financial ratings. However, USAA is only available to members of the U.S. military and their immediate families. Therefore, customers are limited to select individuals.

Geico vs. USAA Car Insurance Highlights
Geico is Best For…USAA is Best For…
Cheaper than average ratesBig savings when you bundle insurance products
Easy repair processExtensive driver and car discounts
Usage-based insurance mobile app doesn't require telematicsGet 24/7 claim service through USAA's mobile app
Tons of discountsMembership savings
Receive dividends from company profits
Flexible car insurance payments
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