AAA vs. GEICO: Which Insurance Company Is Better in 2026?
GEICO’s affordable rates and wide range of discounts make it our choice over AAA.
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Written byJessica Martel
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Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Edited bySarah Archambault
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Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
The American Automobile Association (AAA) and GEICO are two of the largest auto insurance companies in the U.S.[1] AAA is a motor club that partners with regional insurance companies to offer coverage to its members. GEICO is a national insurer known for its superior financial strength and large number of discounts.
Here, we compare car insurance rates, coverage, discounts, and customer satisfaction to help you determine which company is the right fit for your needs.
Quick Facts
GEICO’s rates are cheaper than AAA for most drivers.
AAA insurance comes with membership perks, like roadside assistance and hotel discounts.
GEICO doesn’t have as many coverage options as AAA, but it’s more widely available.
AAA vs. GEICO: Our verdict
GEICO is our choice over AAA for its cheaper rates and wider availability.
To access AAA coverage, you must purchase an AAA membership. And since AAA partners with regional insurance agencies, coverage options and limits vary between states. With GEICO, there’s no membership fee, and coverage is available nationwide.
You should choose GEICO auto insurance if you value financial strength and want the lowest rates and the most discounts. But AAA may be a better fit for drivers who want more coverage options and access to AAA’s membership perks, like roadside assistance, travel benefits, and discounts on hotels, car rentals, and more.
Before deciding which insurance company is right for you, request a personalized quote from each insurer.
AAA vs. GEICO
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $167/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $114/mo* |
Overall rating 4.5 | Overall rating 4.0 |
Value for money 4.3/5 | Value for money 3.8/5 |
Customer service 4.3/5 | Customer service 4.0/5 |
Claims handling 4.4/5 | Claims handling 4.1/5 |
Special highlight AAA membersAI-generated from 485 user reviews | Special highlight Teen driversAI-generated from 7349 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
AAA: Best for coverage options
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $141/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $193/mo |
4.5
Best choiceBased on 2,323 verified driver reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (485)
Joseph
Verified Review
AAA is the best
Reviewed in Mississippi on January 24, 2026
I believe you would get a lower rate and excellent coverage.
Cheryl
Verified Review
Only moderately satisfied
Reviewed in Mississippi on January 5, 2026
The price quoted and the first payment were made, but the subsequent payments increased. I was forced to use auto-pay, which I don't find necessary at 72 years old. I was supposed to be auto-billed on 2/2, and today, 2/5, I still haven't been billed. That's not acceptable.
James
Verified Review
Disappointed
Reviewed in Georgia on December 24, 2025
Home insurance is GREAT but car insurance is too expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
AAA offers a wide range of coverage options, including gap insurance, rideshare coverage, full safety glass, and an automobile death benefit. With an AAA membership, you also get access to extra services, such as roadside assistance, travel benefits, discounts on hotels, car rentals, movie tickets, and more.
Pros
24/7 claims service
Quotes available online
Access to additional services
Cons
Fewer discounts than GEICO
Not the cheapest premiums
Must be AAA member to qualify
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
4.0
Best choiceBased on 15,542 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,349)
Thomas
Verified Purchase
Geico is great
Reviewed in Missouri on February 22, 2026
Everything is easy and smooth.
Nicole
Verified Review
Been with them 6 months and my policy went up instead of down
Reviewed in Florida on February 22, 2026
It's okay.
Debra
Verified Review
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
Reviewed in Texas on February 21, 2026
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers a wide range of discounts, including anti-theft, new car, and pay-in-full discounts, which aren’t available with AAA. GEICO is also known for its superior financial strength rating, indicating its likely to pay its claims. Drivers across the country can access GEICO auto coverage and other products, like homeowners, renters, boat, and commercial coverage.
Pros
AM Best financial strength rating of A++ (Superior)
Fewer-than-expected complaints with National Association of Insurance Commissioners (NAIC)
Offers accident forgiveness
Cons
Fewer coverage options than AAA
No rideshare or gap coverage
Not accredited by Better Business Bureau (BBB)
GEICO vs. AAA: Which is cheaper?
Your age, gender, driving record, and ZIP code are some of the factors that determine the cost of your car insurance.[2] On average, GEICO offers cheaper insurance than AAA.
The following table highlights the average insurance premiums for AAA and GEICO across different driver types.
Driver Type  | AAA | GEICO |
|---|---|---|
| Adult drivers | $210 | $139 |
| Liability-only coverage | $141 | $86 |
| Full coverage | $193 | $142 |
| Drivers with a speeding ticket | $250 | $193 |
| Drivers with a DUI | $282 | $206 |
| Drivers with an at-fault accident | $307 | $181 |
| Poor credit drivers | $166 | $108 |
| Good credit drivers | $218 | $172 |
| Teen drivers | $259 | $251 |
| Senior drivers | $142 | $103 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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AAA vs. GEICO car insurance discounts
Car insurance discounts can help you lower the overall cost of coverage. In addition to offering lower average premiums, GEICO also has a higher number of discounts than AAA. Depending on your regional insurer, AAA discounts often vary by location. An AAA insurance agent can confirm which discounts are available in your area.
Discount | AAA | GEICO |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✔ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✖ | ✔ |
| New car | ✖ | ✔ |
| Military/affiliation | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✖ |
| Auto pay | ✖ | ✔ |
| Student away at school | ✖ | ✔ |
| Homeowner | ✖ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✖ | ✔ |
| Mature driver | ✔ | ✖ |
| Restraint device | ✖ | ✔ |
| Daytime running lights | ✖ | ✔ |
| Internet quote | ✖ | ✔ |
Compare customer satisfaction and financial strength
Industry ratings help you understand how reliable an insurance company is and provide information on its reputation.[3]
For claims, AAA scores higher on the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, while GEICO’s claims process has a lower score. But when it comes to financial stability, GEICO takes the top spot with a superior financial strength rating from AM Best. That said, AAA still has an excellent rating for its financial strength.
Both companies have fewer customer complaints than expected, according to the NAIC. Yet, customer review scores from the Better Business Bureau (BBB) are low for both insurers. But some customers share positive BBB reviews that focus on AAA’s strong customer service and GEICO’s affordable coverage options.
The table below shows how AAA compares to GEICO, according to top third-party review sites.
Score | AAA | GEICO |
|---|---|---|
| IQ Score | 8.5 | 9.2 |
| Customer reviews | 4.5/5 (2,319 reviews) | 4/5 (15,321 reviews) |
| J.D. Power | 726 out of 1,000 | 697 out of 1,000 |
| AM Best rating | A (Excellent) | A++ (Superior) |
| NAIC complaint index | 0.96 | 0.54 |
| BBB customer reviews | 1.18 out of 5 stars | 1.11 out of 5 stars |
Recent customer reviews of AAA car insurance
Insurify asks drivers to rate their experience with insurance companies so other customers can use this information to make a more informed decision. The following AAA car insurance reviews are from actual customers.
Robert
Verified Review
Expensive
Reviewed in Nevada on April 18, 2025
Expensive
Carole
Verified Review
Helpful
Reviewed in New Jersey on April 17, 2025
Very helpful.
Yollande
Verified Review
Make Sure Everything is Clear When You Get an Explanation
Reviewed in Florida on April 17, 2025
Ensure to ask the right questions. I did, but they failed to explain that they did not have a storage plan for the vehicle. Instead, they added the lowest coverage and charged us as if we were driving the vehicle, which turned out to be expensive for six months.
Claudia
Verified Review
Searching
Reviewed in Florida on April 17, 2025
It's a good company, but I'm still looking for a price that accommodates less than 50 miles per day.
…
Recent customer reviews of GEICO car insurance
To help you decide if GEICO is the right insurance company for you, check out the following verified reviews from real customers.
Stephen
Verified Review
Not satisfied with GEICO anymore
Reviewed in Texas on February 9, 2026
Sending cancellation notices half a month in advance. I've been a faithful customer for at least six years. Rates went up.
Gus
Verified Purchase
Great Service
Reviewed in New York on February 9, 2026
Easy, hassle-free to deal with.
Thomas
Verified Review
Fair
Reviewed in New Jersey on February 8, 2026
The coverage and service provided are good, but the price is becoming too high.
Christopher
Verified Purchase
Insurance
Reviewed in Pennsylvania on February 8, 2026
Good service and cheap rates.
…
AAA MySafeDrive vs. GEICO DriveEasy
AAA and GEICO both offer usage-based programs that reward safe driving. Telematics programs track your driving behaviors, and the insurer uses this data to adjust your premiums. Some telematics programs track factors like your driving habits, mileage, and speed, while pay-per-mile programs only record how far you drive.[4]
AAA MySafeDrive offers a 10% discount just for signing up and up to 20% off your policy for safe driving. GEICO’s telematics program, DriveEasy, tracks driving behavior and gives you a safe driving score that can save you up to 15% off your rate.
The table below shows how AAA MySafeDrive and GEICO DriveEasy compare.
Feature | AAA MySafeDrive | GEICO DriveEasy |
|---|---|---|
| Best for | Single drivers and families who want higher savings | Safe drivers who want to earn personalized discounts |
| Savings potential | Up to 30% based on driving behavior | Up to 15% on renewals |
| How it works | Uses your smartphone’s sensors to track speed, phone distractions, and smooth driving | Uses your smartphone’s sensors to track speed, braking, and phone distractions |
| Availability | Must be invited to the program; different programs are available in different regions | 44 states and Washington, D.C. |
| Data tracked | Speed, smooth driving, mobile distractions, time of day, fatigue | Speed, braking, phone distractions, hard turns, distance driven, time of day, route regularity |
| App rating (App Store/Google Play) | 4.4/3.7 | 4.8/4.4 |
| Average discount for good drivers | 10%–30% | 5%–15% |
| Driver feedback tools | Driving trends and streaks to see behavioral improvements. Family sharing feature to help parents coach young drivers. | “Driving streaks,” track your trips, view tips to improve |
| Gamified rewards | ✖ | ✖ |
| Compatibility | Smartphone app | Smartphone app only |
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Compare coverages: AAA vs. GEICO
Both AAA and GEICO offer many types of common auto coverages, like liability, collision, and comprehensive insurance. Some of AAA’s coverage options and policy limits vary by state, and GEICO doesn’t offer gap insurance or rideshare coverage.
The following table highlights the coverage offered by each auto insurance company.
Coverage | AAA | GEICO |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured motorist/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✔ | ✖ |
| Full safety glass | ✔ | ✖ |
| New car added protection | ✔ | ✖ |
| Automobile death benefit | ✔ | ✖ |
| Mechanical breakdown | ✖ | ✔ |
AAA vs. GEICO FAQs
If you’re looking for more information to help you decide if AAA auto insurance or GEICO coverage is right for you, check out the additional information below.
Which is cheaper: AAA or GEICO?
On average, GEICO offers cheaper insurance premiums for most types of drivers, according to Insurify data.
What is the downside of AAA?
The biggest downside of AAA insurance is that you must pay for an AAA Auto Club membership to qualify. Memberships range from $65 to $125 per year. Its insurance premiums are also more expensive than GEICO’s, and coverage options vary regionally.
Does AAA provide more services than GEICO?
Yes. AAA offers policyholders more services than GEICO. Drivers with AAA insurance also get access to membership perks like roadside assistance, travel benefits, hotel discounts, car rentals, movie tickets, and more.
Which car insurance company offers the cheapest insurance?
GEICO offers the cheapest auto insurance, on average. GEICO’s average rates are $86 per month for minimum coverage and $142 per month for full coverage. Minimum coverage with AAA is $141 per month, on average, and full coverage is $193 per month.
Which insurance company is most reliable?
An insurance company’s financial strength can act as a measure of reliability. Using this measure, GEICO is the most reliable company, with an A++ (Superior) financial strength rating from AM Best. AAA has an A (Excellent) financial strength rating.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- National Association of Insurance Commissioners. "2024 Top 25 Groups and Companies by Countrywide Premium."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to assess the financial strength of an insurance company."
- Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
)
Jessica MartelInsurance Writer
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.