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Verdict
GEICO is cheaper for drivers in every category. AAA is more expensive but offers extra benefits as part of their standard coverage and has a better customer complaint proportion. GEICO car insurance is good for drivers who need low-cost coverage.
abdominal aortic aneurysm car indemnity is good for drivers who consider customer overhaul their top precedence.
Is GEICO or AAA Cheaper Overall?
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Drivers shopping for the cheapest car insurance should know that GEICO costs less than AAA, on average. The average annual premium for GEICO is $ 1,047. This pace is $ 365 cheaper than AAA, with a annually agio of $ 1,412. These premiums are national average rates based on a 40-year-old male driver with entire coverage and a clean drive record, so your costs may be different based on your personal information. Your senesce, location and driving history are equitable a few of the factors that can impact your car indemnity rates. Because there are so many different things that affect your rates, it is important to compare car policy quotes from both companies to determine which one has better rates for you. State and local laws can importantly impact policy premiums, which means your placement can raise or lower your rates by hundreds or even thousands of dollars per year.
Is GEICO or AAA Cheaper in Your State?
GEICO is cheaper than AAA in most states. For the 11 states where MoneyGeek has data on both companies, GEICO is more low-cost in 10, while AAA is the more low-cost choice in lone one submit. Your state may have much higher or lower rates than the national average cost of car insurance, but no count how much your state average agio is, GEICO will be cheaper than AAA in about every department of state. Both GEICO and AAA publish policies in all 50 states and Washington D.C. Please eminence that the “ not available ” text in the table below does not necessarily mean that these insurers do not offer coverage in these states. rather, it means that data for these states was unavailable in our research. If you ‘d like to see which company may offer you a lower quote instantaneously based on you historic period or drive record, use our car insurance calculator .
Average Cost Per State
Is GEICO or AAA Cheaper for Your Age and Driving History?
Your senesce, driving commemorate and credit score are just a few of the factors that impact your insurance premium. While you can ’ t control your old age, keeping your force commemorate clean and your credit score american samoa high as possible are both excellent ways to keep your policy premiums moo. Compared to AAA, GEICO has the lowest rates in every driver category :
- GEICO is cheaper for a driver with a ticket at $1,265 annually, compared to $2,039 at AAA.
- GEICO is cheaper for a driver with an at-fault accident at $1,494 annually, compared to $2,115 at AAA.
- GEICO is cheaper for a driver with a DUI at $2,680 annually, compared to $3,974 at AAA.
- GEICO is cheaper for a driver with poor credit at $1,676 annually, compared to $3,556 at AAA.
Although the following table says AAA ‘s agio for an 18-year-old scholar is not available, this means that our study included no datum for this policy. It does not necessarily mean that AAA does not offer policies to 18-year-olds .
Average Car Insurance Rates by Driver Profile
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- Driver Profile GEICO Annual Premium AAA Annual Premium
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18-Year-Old Student
$3,164
Not Available
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Driver With a Ticket
$1,265
$2,039
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Driver With an Accident
$1,494
$2,115
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Driver With a DUI
$2,680
$3,974
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Driver With Poor Credit
$1,681
$3,474
GEICO vs. AAA: Which Is Better for Discounts?
Most indemnity companies offer multiple discounts for drivers, including students and drivers who have safety features such as anti-lock brakes and airbags in their vehicles. While it can be dainty to find discounts, the number of discounts a company offers is less crucial than your final quotation mark. Most insurance companies offer two significant discounts. The first is your home and car pile, a discount for having both homeowners insurance and car indemnity with the lapp company. The second is a usage-based car insurance broadcast, a discount rate based on how a lot you drive and your demeanor behind the bicycle. Most indemnity companies offer a 17 % deduction for bundling your home and car coverage, but this varies based on the ship’s company. Neither GEICO nor AAA specifies how much of a rebate they give for bundling your policies. You can compare which companies have the best home and car pile discounts with the avail of our guide. AAA offers a dismiss of up to 10 % for enrolling in their safe drive program called SMART trek, an app that allows your earphone to measure your driving behavior. GEICO doesn ’ t say how a lot you can save with DriveEasy, their dependable drive app. They do say safe drivers may see a premium reduction, while insecure drivers may see a premium increase, so keep that in beware before signing up for the broadcast. GEICO offers significantly more discounts than AAA, but AAA giving specific numbers for potential savings on their safe driving app makes them the winner in this category .
Available Discount by Company
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- dismiss available With GEICO ? available With AAA ?
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Air bag
✔
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Anti-lock brakes
✔
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Anti-theft system
✔
✔
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Daytime running lights
✔
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New vehicle
✔
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Safe driving
✔
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Seat belt use
✔
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Defensive driving
✔
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Driver’s education
✔
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Good student
✔
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Emergency deployment
✔
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Federal employee discount
✔
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Affinity organization
✔
✔
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Military discount
✔
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Multiple Car
✔
✔
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Bundling
✔
✔
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Early signing
✔
GEICO vs. AAA: Which Has Better Customer Service?
MoneyGeek determines customer service have ratings by reviewing J.D. Power customer rankings and tracking the number of customer complaints lodged with the National Association of Insurance Commissioners ( NAIC ). The J.D. Power car insurance customer service rank is 835. GEICO has a customer satisfaction sexual conquest of 843 out of 1,000, slenderly higher than the diligence average. Because AAA operates under many different names, it doesn ’ t have merely one J.D. Power score. It scored 842, 811 and 811 for three of its entities. These scores are all lower than GEICO, making GEICO the achiever in this category. The NAIC submission report, which rates indemnity companies based on their full number of complaints, has a national median score of 1.00. A company with a score less than 1.00 has fewer complaints than average, and a company with a grade more than 1.00 has more complaints than median. According to NAIC, GEICO rated a 2.04, which means they have more than double the median sum of complaints. The NAIC evaluation for AAA is harder to track because it operates under multiple names across the country, but MoneyGeek has run the numbers and determined the NAIC rate for AAA is 0.58. AAA ’ randomness rate is about half the home average, making them the clear winner in this category.
GEICO vs. AAA: Customer Satisfaction Rating
GEICO scored one orient higher on the J.D. Power rankings than the highest abdominal aortic aneurysm rat, earning a total of 843 out of 1,000. GEICO earned 100 % satisfaction on their lease experience. First Notice of Loss : 4 /5 estimate of process : 4 /5 Repair serve : 4 /5 Claims Servicing : 4 /5 rental have : 5 /5 settlement : 4 /5 First Notice of Loss : 3 /5 estimate of summons : 4 /5 Repair process : 4 /5 Claims Servicing : 4 /5 rental experience : 3 /5 settlement : 3 /5
GEICO vs. AAA: Customer Complaint Ratio
AAA earned an NAIC customer ailment proportion of 0.58 compared to a national medial score of 1.00. This ratio means that they received more than 40 % fewer complaints than the median policy party. GEICO earned a score of 2.04, which means they received more than double the average number of complaints. GEICO abdominal aortic aneurysm
GEICO vs. AAA: Coverage Options
Each policy company offers coverage tailored to meet the needs of their target market, but some types of coverage are considered standard in the car indemnity industry. These include liability, comprehensive examination, collision, personal wound protective covering and uninsured motorist coverage. Most policy companies offer early types of coverage for an extra tip. AAA has three types of extra car insurance coverage, including :
- Rental reimbursement
- Roadside assistance
- Identity theft coverage
Roadside aid and Identity larceny coverage are unique to AAA in that they are included with every indemnity policy at no extra cost. Most companies carry these types of benefits as optional coverages available for a fee. GEICO has four types of extra car indemnity coverage, including :
- Accident forgiveness
- Mechanical breakdown insurance
- Roadside assistance
- Rental reimbursement (due to a covered accident)
GEICO offers more extra coverage than AAA, making them the achiever in this class .
Coverage Options by Company
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- coverage available With GEICO ? available With AAA ?
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Rental Car and/or Travel Reimbursement
✔
✔
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Roadside Assistance
✔
✔
-
Mechanical Breakdown Insurance
✔
-
Accident Forgiveness
✔
-
Identity Theft Coverage
✔
GEICO vs. AAA: Which Is More Financially Stable?
A.M. Best ratings show an indemnity company ’ s fiscal stability, which is their ability to pay claims and expenses in the future. A.M. Best ratings are like to a reputation circuit board, with an F rat for failing companies up to an A++ for the most financially secure. GEICO has an A++ fiscal rate, which is the highest available rat from A.M. Best. Most big insurance companies have a robust fiscal stability rate. still, not all companies have the A++ rat, which shows that GEICO is one of the state ’ s most financially procure policy companies. AAA has an a rating from A.M. Best, which indicates stable finances. While this evaluation is lower than GEICO, an a rat is even a estimable fiscal score. Given their superior fiscal denounce, GEICO is the winner in this category.
GEICO vs. AAA: Online Tools
GEICO ’ randomness focus on on-line service makes them the winner in this class. about all of GEICO ’ south business is conducted on-line, allowing customers to access their policies or pay their bills 24 hours a day. They even allow customers to make on-line agio payments without logging into the system. AAA offers on-line quotes and policy access, but because they are split into multiple companies across the nation, there international relations and security network ’ thymine a web site where you can access general information about car insurance quotes in your area.
Methodology
Data on car indemnity rates comparing GEICO and AAA are for a 40-year-old male with a broad coverage car insurance policy, unless differently noted. The policy includes :
- $100,000 on bodily injury liability insurance per person
- $300,000 on bodily injury liability insurance per accident
- $100,000 on property damage liability insurance per person
- Comprehensive and collision insurance with a $1,000 deductible
To evaluate available coverages, discounts and on-line tools, MoneyGeek collected information from insurance company websites and quote tools. To score insurance companies on customer gratification and customer complaints, MoneyGeek referenced publicly available data from J.D. Power and the National Association of Insurance Commissioners ( NAIC ). fiscal constancy was measured using fiscal potency ratings from A.M. Best, a leading policy credit military rank representation. About the writer
Rachael Brennan is a master finance writer and licensed indemnity agent. She has worked in the policy industry for more than a ten, earning her P & C license in all 50 states and her life, health and AD & D license in New York and the surrounding states. Rachael has worked for long-familiar companies such as twenty-first Century Insurance and BlueCross BlueShield and was the unitarian Universalist Association ( UUA ) indemnity plans coordinator for three years. She specializes in property, casualty, health, life, accidental death and disability indemnity. Rachael earned her knight bachelor of skill degree in communications from Texas A & M University-Commerce. Rachael combines her writing background with her indemnity and personal finance experience to share virtual cognition and aid people make informed fiscal decisions.
sources
- GEICO. “Online Service Center.” Accessed April 7, 2021 .
- GEICO. “DriveEasy.” Accessed April 7, 2021 .
- AAA. “AAA Insurance with SMARTtrek.” Accessed April 7, 2021 .