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AAA vs GEICO Car Insurance
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Last Updated February 1, 2022
Ratings
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AAA
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GEICO
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AAA VS GEICO
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U.S Auto Insurance Shopping Study (2018) ℹ
| Options | AAA  | GEICO |
|---|---|---|
| Call Center Representative | The rest | About average |
| Insurer Website | The rest | Among the best |
| Local Agent | Better than most | The rest |
| Overall Satisfaction | About average | About average |
| Policy Offerings | About average | Better than most |
| Pricing | About average | Better than most |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | AAA | GEICO |
|---|---|---|
| Claim Servicing | About average | Better than most |
| Estimation Process | The rest | Better than most |
| First Notice of Loss (FNOL) | The rest | Better than most |
| Overall Satisfaction | About average | Better than most |
| Rental Experience | About average | Better than most |
| Repair Process | Better than most | About average |
| Settlement | About average | Better than most |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | AAA | GEICO |
|---|---|---|
| California | 840 pt Better than most | 807 pt About average |
| Central | 833 pt Better than most | 838 pt Better than most |
| Florida | -- | 832 pt Better than most |
| Mid-Atlantic | -- | 848 pt Better than most |
| New England | -- | 827 pt About average |
| New York | -- | 813 pt About average |
| North Central | 808 pt The rest | 830 pt About average |
| Northwest | -- | 805 pt About average |
| Southeast | -- | 839 pt About average |
| Southwest | -- | 798 pt The rest |
| Texas | 821 pt About average | 816 pt The rest |
Auto Insurance Quotes
For Married Drivers
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $59 |
| Chicago | -- | $67 |
| Philadelphia | -- | $88 |
| Phoenix | -- | $38 |
| Santa Monica | -- | $48 |
For Single Drivers
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $62 |
| Chicago | -- | $68 |
| Philadelphia | -- | $92 |
| Phoenix | -- | $44 |
| Santa Monica | -- | $129 |
For Male Drivers
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $59 |
| Chicago | -- | $71 |
| Philadelphia | -- | $92 |
| Phoenix | -- | $42 |
| Santa Monica | -- | $123 |
For Female Drivers
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $62 |
| Chicago | -- | $64 |
| Philadelphia | -- | $87 |
| Phoenix | -- | $40 |
| Santa Monica | -- | $53 |
For Drivers with Speeding Ticket
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $74 |
| Chicago | -- | $92 |
| Philadelphia | -- | $128 |
| Phoenix | -- | $64 |
| Santa Monica | -- | $141 |
For Drivers with No Speeding Ticket
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $58 |
| Chicago | -- | $62 |
| Philadelphia | -- | $84 |
| Phoenix | -- | $36 |
| Santa Monica | -- | $77 |
For Drivers Age Between 18-40
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $63 |
| Chicago | -- | $71 |
| Philadelphia | -- | $98 |
| Phoenix | -- | $45 |
| Santa Monica | -- | $149 |
For Drivers Age Between 40-65
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $54 |
| Chicago | -- | $61 |
| Philadelphia | -- | $79 |
| Phoenix | -- | $35 |
| Santa Monica | -- | $40 |
For Drivers Age of 65+
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $75 |
| Chicago | -- | $78 |
| Philadelphia | -- | $99 |
| Phoenix | -- | $48 |
| Santa Monica | -- | $41 |
For Drivers with Average Credit
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $68 |
| Chicago | -- | $70 |
| Philadelphia | -- | $94 |
| Phoenix | -- | $43 |
| Santa Monica | -- | $76 |
For Drivers with Fair Credit
| City | AAA | GEICO |
|---|---|---|
| Austin | -- | $71 |
| Chicago | -- | $74 |
| Philadelphia | -- | $104 |
| Phoenix | -- | $43 |
| Santa Monica | -- | $56 |
Quotes & Discounts
| Discount type | AAA | GEICO |
|---|---|---|
| Farm Vehicle | Up to 59% | -- |
| Student Away at School | Up to 30% | -- |
| teenSMART | Up to 24% | Varies |
| Good Driver | Up to 20% | Up to 26% |
| Anti-Theft Device | Up to 17% | Up to 25% |
| Good Student | Up to 14.5% | Up to 15% |
| Multiple Vehicle | Up to 12.5% | Varies |
| Multiple Policy | Up to 11.8% | Varies |
| Advance shopper | Up to 10% | -- |
| Good Credit | Up to 10% | -- |
| New Car | Up to 10% | -- |
| Paid in full | Up to 7.8% | -- |
| Current insurance | Up to 5% | -- |
| Loyalty | Up to 5% | -- |
| Affinity group | Varies | -- |
| Anti-lock Brake | Varies | Up to 5% |
| Driving training | Varies | Varies |
| Home Owner | Varies | -- |
| Low Mileage | Varies | -- |
| Original Owner | Varies | -- |
| Accident Free | -- | Varies |
| Daytime Running Lights | -- | Up to 3% |
| Defensive Driver | -- | Varies |
| Emergency Deployment | -- | Up to 25% |
| Federal Employee | -- | Up to 25% |
| Military | -- | Up to 15% |
| Organization | -- | Varies |
| Passive Restraint | -- | Up to 25% |
| Seat Belt Use | -- | Up to 15% |
| Senior Adult | -- | Varies |
Optional Coverages
| Optional Coverages | AAA | GEICO |
|---|---|---|
| Accident Forgiveness ℹ |  | |
| Accidental Death, Dismemberment, Disability ℹ | | -- |
| Comprehensive Claim Forgiveness ℹ | -- | |
| Electronic Key & Lock Replacement ℹ | | -- |
| Emergency Assistance Coverage ℹ | | -- |
| Emergency Lockout Coverage ℹ | | -- |
| First Aid Reimbursement ℹ | | -- |
| Gap Insurance ℹ | | -- |
| Glass Coverage | | -- |
| Incident Forgiveness ℹ | -- | |
| Mechanical Breakdown Insurance ℹ | | |
| New Car Replacement Coverage ℹ | | -- |
| No Fault Coverage ℹ | -- | |
| Pet Coverage ℹ | | -- |
| Preferred Repair Services ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Roadside Assistance ℹ | | |
| Umbrella Policy ℹ | | |
Insurance by State
Uber and Lyft driver insurance
- AAA
- GEICO
- Both
SR-22 Insurance by State
- AAA
- GEICO
- Both
Compare Insurance Products
| Product | AAA | GEICO |
|---|---|---|
 ATV Insurance | -- | |
 Car Insurance | | |
 Boat Insurance | -- | |
 Business Insurance | -- | |
 Classic Car Insurance | -- | |
 Condo Insurance | -- | |
 Dwelling Fire Insurance | -- | |
 Flood Insurance | -- | |
 Home Insurance | | |
 Identity Theft Insurance | -- | |
 Jewelry Insurance | -- | |
 Life Insurance | | |
 Mobile Home Insurance | -- | |
 Motorcycle Insurance | -- | |
 Pet Insurance | -- | |
 Renters Insurance | -- | |
 Ridesharing Insurance | -- | |
 RV Insurance | -- | |
 Travel Insurance | -- | |
 Umbrella Insurance | -- | |
User Reviews
- AAA Reviews
- GEICO Reviews
3.8
411 Reviews
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %
Most Positive Review
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.