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When comparing AAA and Geico car insurance, Geico offers more affordable insurance coverage options, and AAA provides more discount opportunities
Geico Collision Coverage Rental Car
Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a Guide team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K. and Australia, which specializes in finance and car care topics. Daniel is the Guide team’s authority on car insurance, loans, warranty options, car service and more.
State Farm Vs. Geico: Which Is Best For You? (2023)
Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is a Guide team editor with over 10 years of experience covering personal finance and insurance topics.
Geico is one of the largest auto insurance providers in the U.S., while AAA is known for its roadside assistance. So how do the two compare for car insurance? In a comparison of AAA vs. This Geico, we on the Steering Team will examine how the companies stack up against each other in terms of coverage, cost and customer service.
In addition to these two providers, we have also reviewed and rated the best car insurance and cheapest car insurance companies on the market. To make sure you get the best price for the coverage you need, compare car insurance quotes from different companies.
AAA Insurance Review Geico Insurance Reviews Best Car Insurance Companies Cheapest Car Insurance 10 Largest Car Insurance Companies in the U.S.
How Long Will Auto Insurance Pay For Rental Car
The Driving Team is committed to providing reliable information to help you make the best decision about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to summarize our ranking of the best car insurance companies. We collect data on dozens of car insurance providers to rate companies based on various ranking factors. After 800 hours of research, the end result is an overall rating for each provider, with the insurer with the most points topping the list.
AAA and Geico are top auto insurance companies with great coverage options and customer service. However, our research team gave Geico an overall score of 9.1 out of 10.0 to AAA 7.9. Geico also ranked as the third best auto insurance company in our review, winning our Affordable for Most Drivers Award.
Geico topped AAA overall in our ratings, as well as in four out of five categories. In the table below, you can see the performance of each company.
In our research, we found that Geico offers some of the lowest car insurance rates in the entire country. The provider also has an impressive A++ financial strength rating from AM Best, indicating its ability to pay customer claims. Combined with his score from J.D. Power’s A+ AAA rating from AM Best also gives it a solid reputation for paying claims.
Aaa Vs. Geico Insurance Review: Cost And Coverage (2023)
Although Geico has an excellent rating from the Better Business Bureau (BBB), neither Geico nor AAA have good customer review scores from those sites. However, AAA topped Geico in the J.D. Auto Claims Satisfaction Survey. Power 2022 U.S. ℠.
The table below shows a comparison of the factors that help determine the reputation score in our review of AAA vs. Geico.
Geico has the edge in coverage options, but both companies scored fairly well for that category in our review. No matter what type of insurance policy you need to fit your lifestyle and vehicle, chances are you can get it with either AAA or Geico.
AAA and Geico offer most major types of auto insurance, such as liability coverage when you are at fault in an accident. Here’s a complete look at the six standard types of car insurance coverage options offered by both providers.
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In addition to the standard types of auto insurance listed above, AAA and Geico also offer several additional coverage options. The chart below compares coverage options between the two providers.
AAA and Geico offer telematics insurance programs that track your driving behavior and allow you to earn discounts for good driving habits. With AAADrive™, you can save 5% just for signing up.
One major difference between AAADrive and Geico DriveEasy is that when DriveEasy detects unsafe driving habits, Geico may raise your insurance premiums. With AAADrive, driving in an unsafe manner means you will miss out on your discount.
Each program uses a mobile app to track behavior such as the time of day you drive, the distance you drive and your speed. DriveEasy is a feature in the Geico Mobile app and AAADrive is a tool in the AAA mobile app.
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You can sign up for AAADrive or Geico DriveEasy even if you don’t have a great driving record because both programs only look at your driving behavior after you sign up.
Geico is one of the more affordable auto insurance options in the country, generally falling well below the national average of $1,730 per year for full coverage. AAA’s average annual full coverage cost is at the other end of the spectrum at over $1,000 more than the national average.
On average, Geico has some of the lowest rates in the country for most drivers. That’s why it received a perfect score of 10.0 in the cost category in our review.
Here’s how the average cost for full coverage insurance from AAA and Geico compares to other leading national providers:
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AAA tends to be one of the more expensive options for insurance, especially compared to Geico. However, if you are already a AAA member or you qualify for some of its discounts, AAA car insurance may be a better option for you.
AAA and Geico offer many car insurance discounts to help you get lower rates. You can get a discount for being a good student, having several cars on your policy or having anti-theft equipment on your vehicle, for example.
AAA and Geico offer discounts for bundling your car insurance with other types of insurance from the same company. To save money with Geico, you can combine your car coverage with renters, condo, mobile home, motorcycle or home owner insurance.
With AAA, you can combine your home and auto insurance policies to save more on car coverage as an AAA member.
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AAA scores lower than Geico overall in our review, but when it comes to customer experience, it has some advantages over Geico. Although Geico ranks below the industry average for overall customer satisfaction among large insurers in the J.D. Insurance Shopping Study. Power 2023 U.S.℠ , AAA above average for medium insurers.
AAA has closed a significantly lower number of customer complaints than BBB in the last three years: more than 340 compared to Geico’s more than 1,900. However, it should be noted that Geico has a much larger customer base than AAA. When you look at the number of complaints per dollar of premium written, the two companies have more similar results.
Also, because many AAA groups have their own BBB pages, customer service ratings may vary by affiliate in your region.
Our review team contacted Geico and AAA for comment on their customer ratings but did not receive a response from either provider.
How Much Does It Cost To Add A Driver To Car Insurance Geico
Geico and AAA have strong ratings on their mobile apps. Both are available on iOS and Android. Geico Mobile has 4.6 stars out of 5.0 on Google Play and 4.8 stars out of 5.0 in the App Store. The AAA Mobile App has 4.3 stars on Google Play and 4.5 stars on the App Store.
Our team conducted a consumer survey that asked nearly 7,000 customers how they felt about their car insurance company. In the table below, you can see how AAA and Geico scored in our survey.
The survey also asked consumers how likely they were to recommend their car insurance company to friends and family. On this question, Geico scored 7.7 out of 10.0 and AAA scored 7.6.
Comparing AAA car insurance vs. Geico, our team found that Geico is the better choice for many drivers. Our reviews give Geico better scores in all categories except for coverage, where it’s tied with AAA. However, both Geico and AAA are solid insurance companies with good coverage options and customer service.
How Long Will Your Insurance Cover A Rental Car?
Geico often has cheap car insurance compared to AAA, but with AAA discounts, that may not be the case. Our team recommends getting car insurance quotes from both companies to get the best price on car insurance. You can learn more about individual companies in our AAA car insurance review and Geico insurance review.
Geico and AAA are quality insurers, but there are other options worth looking into when you’re looking for the right auto insurance policy for you. Our team recommends Progressive and State Farm as two companies to consider.
Progressive has an A+ rating for financial strength from AM Best, and it offers a variety of coverage options. The company is also known for offering affordable rates to young drivers and those with a DUI on their driving record.
Progressive has many discount opportunities,
Geico Auto Insurance 2023 Review
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