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Geico vs AAA: car insurance rates comparison

Geico ranks higher than AAA in terms of fiscal strength placing it in a better position to address future claims, though AAA is not far behind. Both companies rank above median in customer gratification. Geico is on average more likely to offer lower premiums to its car indemnity policy holders than AAA offers to its club members .

Car insurance company Bankrate Score AM Best financial stability rating J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 4.6 A++ 871/1,000 $433 $1,405
AAA 3.8 A- 858/1,000 $602 $1,990

Rates by credit score

Though both companies consider driver credit scores when writing car insurance policies and setting premiums, AAA penalizes its members with poor credit by imposing a significantly higher premium. Both companies ’ reward drivers with better credit scores with lower premiums. While most states permit the use of credit scores for cable car policy cover, a modest number of states limit this habit, including California, Hawaii, Maryland, and Massachusetts .

Car insurance company Poor Average Good Excellent
Geico $1,978 $1,505 $1,405 $1,312
AAA $3,706 $2,146 $2,003 $1,645

Rates by age

adolescent drivers are historically high risk drivers and involved in more accidents than older drivers. Both Geico and AAA take this into explanation in establishing car policy rates. The major startle in premiums for 18 class olds levels off dramatically as drivers age into adulthood.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
Geico $1,897 $3,672 $1,674 $1,465 $1,405 $1,326
AAA $3,210 $5,446 $2,317 $2,034 $2,003 $1,808

*16 class old cost when added to parents ’ policy

Rates by driving record

Both Geico and AAA place a big deal of importance on the drive records of policy applicants and their respective cable car policy policy holders and premiums reflect this fact. abdominal aortic aneurysm prices for cable car insurance policies for drivers with a DUI conviction are about three times higher on average than the premiums for drivers with a clean and jerk record .

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
Geico $1,405 $1,681 $2,032 $3,227
AAA $1,990 $2,947 $3,057 $5,613

Geico vs AAA: discounts

Geico offers many valuable discounts to its customers that help keep car policy low-cost for those will to search for specific discounts that apply to them. Among early categories, Geico offers a wide range of discounts based upon equipment improvements made to vehicles. In addition to a across-the-board image of car indemnity discounts, AAA is well known for the add benefits it is able to offer to all of its members whether insured with the caller or not. These include the many thousands of hotel and restaurants that offer discounts to AAA members. here are examples of democratic Geico and AAA discounts : Geico

  • Vehicle equipment discounts: Eligible policyholders may be able to get discounts for safety and auto protection improvements including dual airbags, anti-lock brakes, anti-theft systems and daytime running lights.
  • Military discounts: Military membership alone can provide a discount, as does emergency deployment.
  • Multi-car and multi-policy discounts: Bundling more than one vehicle in one car insurance policy or combining two or more policies, such as home or auto, may provide discounts.

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  • Companion bundling discount: When you choose AAA for car insurance, you may receive a discount on other AAA insurance such as home or life.
  • Distant and good student discounts: When children between 15 and 25 are away at school, this discount may apply. Certain students who attain a 3.0 or higher GPA may qualify for a good student discount.
  • Discounts from membership: AAA members are able to apply for a membership discount. Retaining a membership over a period of years may make an AAA member eligible for a loyalty discount.

Geico vs AAA: online and mobile experience comparison

The Geico Mobile app is highly rated and well designed to ease the serve of completing numerous tasks and transactions related to a car indemnity policy. Reminders of key “ to do ’ s ” can be set and bills can be paid from anywhere. The AAA Mobile App is highly rated by Apple and Google besides. easy outside access is provided to a multitude of comprehensive report management tools and AAA member services. Both of these apps are available at the Apple Apps Store and Google Play :

  • Geico Mobile app: This app has an Apple store rating 4.8 out of 5 and a Google Play rating 4.7 out of 5. Reviews tout this app for its easy to access digital ID cards, policy access, bill paying and claim submission capabilities.
  • AAA Mobile App: This app has an Apple Store rating of 4.2 of 5 and a Google Play score of 4.2 of 5. This app is to AAA members whether they are car insurance policy holders or not. The app provides easy access to critical insurance services for emergencies such as roadside assistance and claim handling. Members are also able to use the app for trip planning services and 1000’s of hotel and restaurant discounts.

Frequently asked questions

What is the most important factor in determining my cost for car insurance?

There are many factors that influence the amount of premiums you will pay for car indemnity. unfortunately, negative factors such as dangerous traffic violations or accidents typically have the biggest damaging impact. These can however be mitigated to some extent with early discounts and efforts to improve driving skills .

How can I find the best price for car insurance?

There are many on-line resources to get you started in a research for the best price. By obtaining quotes for car policy from a number of companies, you can find the best low-cost coverage. Remember, you may discover by paying a small more you can obtain better coverage to fit your needs .

Can I get car insurance discounts as a senior?

Most car policy companies offer discounts for seniors. The historic period where these discounts become available may vary from ship’s company to company. It is authoritative to compare several companies and inquire about extra senior benefits such as discounts for successfully completing driving classes .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving commemorate, effective credit and the follow full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimal coverages that meet each state ’ second requirements. Our basal profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample rates and should merely be used for comparative purposes.

Credit: Rates were calculated based on the postdate policy credit tiers assigned to our drivers : “ inadequate, median, thoroughly ( base ), and excellent. ” Insurance credit tiers factor in your official recognition scores but are not subject on that variable alone. The follow states do not allow credit to be a factor in determining car insurance rates : CA, HI, MA Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( nucleotide : 40 years ) applied. Incident: Rates were calculated by evaluating our base profile with the follow incidents applied : houseclean read ( base ), at-fault accident, single accelerate ticket, single DUI conviction and sink in coverage .

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