AAA vs GEICO Car Insurance

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Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

AAA VS GEICO
85
88
What is this?
User Ratings
OptionsAAA GEICO
Rating/Reviews
411 reviews
3,735 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA GEICO
Call Center RepresentativeThe restAbout average
Insurer WebsiteThe restAmong the best
Local AgentBetter than mostThe rest
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA GEICO
Claim ServicingAbout averageBetter than most
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)The restBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceAbout averageBetter than most
Repair ProcessBetter than mostAbout average
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAAA GEICO
California840 pt
Better than most
807 pt
About average
Central833 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 Central808 pt
The rest
830 pt
About average
Northwest--805 pt
About average
Southeast--839 pt
About average
Southwest--798 pt
The rest
Texas821 pt
About average
816 pt
The rest
Mobile App Ratings
RegionAAA GEICO
Android
24,330 Reviews
147,062 Reviews
iOS
737 Reviews
446,400 Reviews
Financial Ratings
OptionsAAA GEICO
A.M. BestAA++
Fitch--AA-
Moody's--Aa3
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityAAA GEICO
Austin--$59
Chicago--$67
Philadelphia--$88
Phoenix--$38
Santa Monica--$48

For Single Drivers

CityAAA GEICO
Austin--$62
Chicago--$68
Philadelphia--$92
Phoenix--$44
Santa Monica--$129

For Male Drivers

CityAAA GEICO
Austin--$59
Chicago--$71
Philadelphia--$92
Phoenix--$42
Santa Monica--$123

For Female Drivers

CityAAA GEICO
Austin--$62
Chicago--$64
Philadelphia--$87
Phoenix--$40
Santa Monica--$53

For Drivers with Speeding Ticket

CityAAA GEICO
Austin--$74
Chicago--$92
Philadelphia--$128
Phoenix--$64
Santa Monica--$141

For Drivers with No Speeding Ticket

CityAAA GEICO
Austin--$58
Chicago--$62
Philadelphia--$84
Phoenix--$36
Santa Monica--$77

For Drivers Age Between 18-40

CityAAA GEICO
Austin--$63
Chicago--$71
Philadelphia--$98
Phoenix--$45
Santa Monica--$149

For Drivers Age Between 40-65

CityAAA GEICO
Austin--$54
Chicago--$61
Philadelphia--$79
Phoenix--$35
Santa Monica--$40

For Drivers Age of 65+

CityAAA GEICO
Austin--$75
Chicago--$78
Philadelphia--$99
Phoenix--$48
Santa Monica--$41

For Drivers with Average Credit

CityAAA GEICO
Austin--$68
Chicago--$70
Philadelphia--$94
Phoenix--$43
Santa Monica--$76

For Drivers with Fair Credit

CityAAA GEICO
Austin--$71
Chicago--$74
Philadelphia--$104
Phoenix--$43
Santa Monica--$56

For Drivers with Good Credit

CityAAA GEICO
Austin--$55
Chicago--$66
Philadelphia--$84
Phoenix--$37
Santa Monica--$60

For Drivers with Excellent Credit

CityAAA GEICO
Austin--$48
Chicago--$60
Philadelphia--$77
Phoenix--$41
Santa Monica--$161

Quotes & Discounts

Discount typeAAA GEICO
Farm Vehicle DiscountUp to 59%--
Student Away at School DiscountUp to 30%--
teenSMART DiscountUp to 24%Varies
Good Driver DiscountUp to 20%Up to 26%
Anti-Theft Device DiscountUp to 17%Up to 25%
Good Student DiscountUp to 14.5%Up to 15%
Multiple Vehicle DiscountUp to 12.5%Varies
Multiple Policy DiscountUp to 11.8%Varies
Advance shopper discountUp to 10%--
Good Credit DiscountUp to 10%--
New Car DiscountUp to 10%--
Paid in full discountUp to 7.8%--
Current insurance discountUp to 5%--
Loyalty DiscountUp to 5%--
Affinity group discountVaries--
Anti-lock Brake DiscountVariesUp to 5%
Driving training discountVariesVaries
Home Owner DiscountVaries--
Low Mileage DiscountVaries--
Original Owner DiscountVaries--
Accident Free Discount--Varies
Daytime Running Lights Discount--Up to 3%
Defensive Driver Discount--Varies
Emergency Deployment Discount--Up to 25%
Federal Employee Discount--Up to 25%
Military Discount--Up to 15%
Organization Discount--Varies
Passive Restraint Discount--Up to 25%
Seat Belt Use Discount--Up to 15%
Senior Adult Discount--Varies

Payment Methods

Discount typeAAA GEICO
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
--yes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yes--
Phone Payment
--yes

Features and Services

Features and ServicesAAA GEICO
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alerts--yes

Optional Coverages

Optional CoveragesAAA GEICO
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yes--
Incident Forgiveness
--yes
Mechanical Breakdown Insurance
yesyes
New Car Replacement Coverage
yes--
No Fault Coverage
--yes
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes

Uber and Lyft driver insurance

  • AAA
  • GEICO
  • Both

SR‌-22 Insurance by State

  • AAA
  • GEICO
  • Both

Compare Insurance Products

ProductAAA GEICO
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • GEICO Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews