GEICO vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

GEICO
88
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Insurify Composite Score

USAA
96
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Insurify Composite Score

GEICO VS USAA
88
96
What is this?
User Ratings
OptionsGEICO USAA
Rating/Reviews
3,736 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO USAA
Call Center RepresentativeAbout averageAmong the best
Insurer WebsiteAmong the bestAmong the best
Local AgentThe restAbout average
Overall SatisfactionAbout averageAmong the best
Policy OfferingsBetter than mostAmong the best
PricingBetter than mostAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO USAA
Claim ServicingBetter than mostBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAmong the best
Overall SatisfactionBetter than mostAmong the best
Rental ExperienceBetter than mostBetter than most
Repair ProcessAbout averageAmong the best
SettlementBetter than mostBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionGEICO USAA
California807 pt
About average
894 pt
Among the best
Central838 pt
Better than most
906 pt
Among the best
Florida832 pt
Better than most
888 pt
Among the best
Mid-Atlantic848 pt
Better than most
896 pt
Among the best
New England827 pt
About average
893 pt
Among the best
New York813 pt
About average
900 pt
Among the best
North Central830 pt
About average
905 pt
Among the best
Northwest805 pt
About average
896 pt
Among the best
Southeast839 pt
About average
894 pt
Among the best
Southwest798 pt
The rest
887 pt
Among the best
Texas816 pt
The rest
899 pt
Among the best
Mobile App Ratings
RegionGEICO USAA
Android
147,062 Reviews
98,577 Reviews
iOS
446,400 Reviews
3,600 Reviews
Financial Ratings
OptionsGEICO USAA
A.M. BestA++A++
FitchAA-AA+
Moody'sAa3Aa1
Standard & Poor'sAA+AA+

Auto Insurance Quotes

For Married Drivers

CityGEICO USAA
Austin$59$48
Chicago$67$47
Philadelphia$88$31
Phoenix$38$39
Santa Monica$48$50

For Single Drivers

CityGEICO USAA
Austin$62$61
Chicago$68$69
Philadelphia$92$41
Phoenix$44$58
Santa Monica$129$89

For Male Drivers

CityGEICO USAA
Austin$59$55
Chicago$71$59
Philadelphia$92$38
Phoenix$42$52
Santa Monica$123$82

For Female Drivers

CityGEICO USAA
Austin$62$54
Chicago$64$57
Philadelphia$87$35
Phoenix$40$44
Santa Monica$53$57

For Drivers with Speeding Ticket

CityGEICO USAA
Austin$74$73
Chicago$92$85
Philadelphia$128$45
Phoenix$64$69
Santa Monica$141$115

For Drivers with No Speeding Ticket

CityGEICO USAA
Austin$58$51
Chicago$62$52
Philadelphia$84$35
Phoenix$36$44
Santa Monica$77$59

For Drivers Age Between 18-40

CityGEICO USAA
Austin$63$61
Chicago$71$71
Philadelphia$98$42
Phoenix$45$59
Santa Monica$149$95

For Drivers Age Between 40-65

CityGEICO USAA
Austin$54$44
Chicago$61$43
Philadelphia$79$28
Phoenix$35$35
Santa Monica$40$49

For Drivers Age of 65+

CityGEICO USAA
Austin$75$71
Chicago$78$66
Philadelphia$99$46
Phoenix$48$57
Santa Monica$41$48

For Drivers with Average Credit

CityGEICO USAA
Austin$68$59
Chicago$70$68
Philadelphia$94$41
Phoenix$43$51
Santa Monica$76$68

For Drivers with Fair Credit

CityGEICO USAA
Austin$71$57
Chicago$74$55
Philadelphia$104$37
Phoenix$43$46
Santa Monica$56$55

For Drivers with Good Credit

CityGEICO USAA
Austin$55$45
Chicago$66$47
Philadelphia$84$32
Phoenix$37$38
Santa Monica$60$55

For Drivers with Excellent Credit

CityGEICO USAA
Austin$48$57
Chicago$60$62
Philadelphia$77$35
Phoenix$41$57
Santa Monica$161$99

Quotes & Discounts

Discount typeGEICO USAA
Good Driver DiscountUp to 26%Up to 10%
Anti-Theft Device DiscountUp to 25%Up to 20%
Emergency Deployment DiscountUp to 25%--
Federal Employee DiscountUp to 25%--
Passive Restraint DiscountUp to 25%Up to 15%
Good Student DiscountUp to 15%Varies
Military DiscountUp to 15%Up to 15%
Seat Belt Use DiscountUp to 15%--
Anti-lock Brake DiscountUp to 5%Varies
Daytime Running Lights DiscountUp to 3%Varies
Accident Free DiscountVaries--
Defensive Driver DiscountVariesVaries
Driving training discountVariesVaries
Multiple Policy DiscountVariesUp to 9%
Multiple Vehicle DiscountVariesUp to 13%
Organization DiscountVaries--
Senior Adult DiscountVaries--
teenSMART DiscountVariesVaries
Accident Forgiveness--Varies
Family Discount--Up to 10%
Low Mileage Discount--Varies
Loyalty Discount--Varies
New Car Discount--Varies
Student Away at School Discount--Up to 20%
Vehicle Storage Discount--Up to 60%

Payment Methods

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

Features and Services

Features and ServicesGEICO USAA
24/7 serviceyesyes
Accident forgivenessyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO USAA
Accident Forgiveness
yesyes
Comprehensive Claim Forgiveness
yes--
Extended Coverage
--yes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yes--
No Fault Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • GEICO
  • USAA
  • Both

SR‌-22 Insurance by State

  • GEICO
  • USAA
  • Both

Compare Insurance Products

ProductGEICO USAA
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyesyes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • GEICO Reviews
  • USAA Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 reviews