Geico vs AAA

Compare auto insurance for Geico vs AAA by looking at auto insurance services, financial security, customer rankings, and affordability. Use the free tool below to compare auto insurance rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • AAA offers club membership in addition to auto insurance, and this membership carries many perks
  • Both Geico and AAA  have superior financial ratings
  • When it comes to customer satisfaction, AAA edges out Geico
  • You should compare how both companies would fit into your circumstances and meet your needs to decide which one is best for you

The insurance business is very competitive these days, and that can be a good thing for consumers. It is easy to find out a lot of information about different insurers before you trust a company with your financial security.

Geico and AAA are two popular companies that you might want to consider.

Compare Geico vs AAA Car Insurance Services

The American Automobile Association (AAA) is more famous as an auto club. They also offer their members auto insurance.

Geico used to only sell coverage to government employees, but started selling to all consumers a few decades ago.

You do have to be a AAA 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:

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 include all of the other member discounts.

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Is AAA or Geico More Financially Secure?

Everybody wants to do business with a financially stable company that has plenty of funds to pay claims. A.M. Best is a company that rates insurers by their financial security. Both companies have very good ratings, but Geico has been ranked slightly higher.

  • AAA Financial Rating: A+ Superior
  • Geico Financial Rating: A++ Superior

Customer Rankings of Geico vs AAA Insurance

Of course, most consumers do not spend much time thinking about the financial ratings of their insurers. This is particularly true of such large and established companies as AAA and Geico.

Most vehicle owners want to know if it is easy to purchase a policy and make a claim. J.D. Powers surveys consumers and publishes the results of these surveys.

When it comes to rating their claims satisfaction, customers gave AAA 4 out of 5 and gave Geico only 3 out of 5.

Your own experience could depend upon many factors like the agent you happen to speak with or how complicated your coverage needs are.

What’s more affordable Geico or AAA?

Since your own premium will depend upon dozens of factors, it is impossible to know which insurer will offer you a better rate until you compare price quotes.

You cannot rely on the experiences of your neighbors or coworkers. They will have different driving records and vehicles than you do.

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