American Family vs GEICO Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

American Family
89
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Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

American Family VS GEICO
89
88
What is this?
User Ratings
OptionsAmerican Family GEICO
Rating/Reviews
138 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family GEICO
Call Center Representative--About average
Insurer Website--Among the best
Local AgentBetter than mostThe rest
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family GEICO
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceAbout averageBetter than most
Repair ProcessAbout averageAbout average
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family GEICO
California--807 pt
About average
Central823 pt
About average
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 Central820 pt
About average
830 pt
About average
Northwest826 pt
Better than most
805 pt
About average
Southeast--839 pt
About average
Southwest819 pt
About average
798 pt
The rest
Texas--816 pt
The rest
Mobile App Ratings
RegionAmerican Family GEICO
Android
1,081 Reviews
147,062 Reviews
iOS
6,200 Reviews
446,400 Reviews
Financial Ratings
OptionsAmerican Family GEICO
A.M. BestAA++
FitchA+AA-
Moody'sAa3Aa3
Standard & Poor'sA+AA+

Auto Insurance Quotes

For Married Drivers

CityAmerican Family GEICO
Austin--$59
Chicago$76$67
Philadelphia--$88
Phoenix$82$38
Santa Monica--$48

For Single Drivers

CityAmerican Family GEICO
Austin--$62
Chicago$76$68
Philadelphia--$92
Phoenix$82$44
Santa Monica--$129

For Male Drivers

CityAmerican Family GEICO
Austin--$59
Chicago$76$71
Philadelphia--$92
Phoenix$82$42
Santa Monica--$123

For Female Drivers

CityAmerican Family GEICO
Austin--$62
Chicago$76$64
Philadelphia--$87
Phoenix$82$40
Santa Monica--$53

For Drivers with Speeding Ticket

CityAmerican Family GEICO
Austin--$74
Chicago$102$92
Philadelphia--$128
Phoenix$121$64
Santa Monica--$141

For Drivers with No Speeding Ticket

CityAmerican Family GEICO
Austin--$58
Chicago$70$62
Philadelphia--$84
Phoenix$74$36
Santa Monica--$77

For Drivers Age Between 18-40

CityAmerican Family GEICO
Austin--$63
Chicago$76$71
Philadelphia--$98
Phoenix$81$45
Santa Monica--$149

For Drivers Age Between 40-65

CityAmerican Family GEICO
Austin--$54
Chicago$72$61
Philadelphia--$79
Phoenix$77$35
Santa Monica--$40

For Drivers Age of 65+

CityAmerican Family GEICO
Austin--$75
Chicago$89$78
Philadelphia--$99
Phoenix$104$48
Santa Monica--$41

For Drivers with Average Credit

CityAmerican Family GEICO
Austin--$68
Chicago$80$70
Philadelphia--$94
Phoenix$87$43
Santa Monica--$76

For Drivers with Fair Credit

CityAmerican Family GEICO
Austin--$71
Chicago$82$74
Philadelphia--$104
Phoenix$89$43
Santa Monica--$56

For Drivers with Good Credit

CityAmerican Family GEICO
Austin--$55
Chicago$73$66
Philadelphia--$84
Phoenix$80$37
Santa Monica--$60

For Drivers with Excellent Credit

CityAmerican Family GEICO
Austin--$48
Chicago$68$60
Philadelphia--$77
Phoenix$72$41
Santa Monica--$161

Quotes & Discounts

Discount typeAmerican Family GEICO
Passive RestraintUp to 30%Up to 25%
Good StudentUp to 25%Up to 15%
MilitaryUp to 25%Up to 15%
Senior AdultUp to 25%Varies
Student Away at SchoolUp to 25%--
Multiple PolicyUp to 15%Varies
Multiple VehicleUp to 13%Varies
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%Up to 5%
Driving HabitsUp to 5%--
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%--
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%--
Preferred paymentUp to 5%--
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%Varies
Daytime Running LightsUp to 3%Up to 3%
Paperless documentsUp to 3%--
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 25%
Defensive DriverVariesVaries
teenSMARTVariesVaries
Driving training--Varies
Emergency Deployment--Up to 25%
Federal Employee--Up to 25%
Good Driver--Up to 26%
Organization--Varies
Seat Belt Use--Up to 15%

Payment Methods

Discount typeAmerican Family GEICO
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yesyes
Online Payment
yes--
Phone Payment
yesyes

Features and Services

Features and ServicesAmerican Family 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 CoveragesAmerican Family GEICO
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yes--
Incident Forgiveness
--yes
Legal Defense Costs Coverage
yes--
Mechanical Breakdown Insurance
--yes
No Fault Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yesyes
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • GEICO
  • Both

Uber and Lyft driver insurance

  • American Family
  • GEICO
  • Both

SR‌-22 Insurance by State

  • American Family
  • GEICO
  • Both

Compare Insurance Products

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

User Reviews

  • American Family Reviews
  • GEICO Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.