Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 3, 2021

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Key Takeaways

  • USAA car insurance is cheaper than GEICO
  • USAA is only available for members of the military, veterans, and their families
  • GEICO and USAA both have an A++ rating with A.M. Best

When it comes to the top car insurance companies, you have a lot of alternatives, and comparing them side by side will help you limit your choices.

We’ll compare the pros and cons of GEICO vs. USAA car insurance companies to find which one best suits your needs.

However, you don’t have to just compare GEICO and USAA. There are many companies out there that can offer you coverage at great rates.

Keep reading to compare GEICO vs. USAA car insurance rates, discounts, and ratings. Enter your ZIP code now to compare free car insurance quotes from multiple companies near you today.

IS GEICO or USAA car insurance cheaper?

Many different factors go into calculating your car insurance rates. Companies usually use your age, gender, driving history, and credit score to determine your rates.

Since every driver is different, these factors can determine how affordable GEICO or USAA car insurance is for you.

Keep in mind, USAA is not available to everyone. Only members of the military, veterans, and their families are eligible for USAA insurance.

Let’s start by comparing the average annual GEICO vs. USAA car insurance rates based on age, gender, and marital status.

GEICO vs. USAA Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesUSAA Average Annual Rates
Single 17-year-old female$5,405.23$4,695.06
Single 17-year-old male$5,955.63$5,225.88
Single 25-year-old female$2,312.93$1,913.08
Single 25-year old male$2,171.06$2,119.73
Married 35-year-old female$2,253.30$1,484.88
Married 35-year-old male$2,237.96$1,482.91
Married 60-year-old female$2,107.40$1,395.84
Married 60-year-old male$2,188.44$1,400.76
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USAA car insurance is cheaper for all ages. However, teen drivers will pay considerably higher rates with both companies.

Next, we will look at average annual rates based on your driving history. Drivers with accidents, tickets, or DUIs will pay much higher rates than drivers with a clean driving record.

GEICO vs. USAA Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesUSAA Average Annual Rates
Clean record$2,145.96$1,933.68
With 1 accident$3,192.77$2,516.24
With 1 DUI$4,875.87$3,506.03
With 1 speeding violation$2,645.43$2,193.25
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GEICO car insurance rates are higher regardless of your driving history.

Last, let’s look at average annual rates based on credit score. The idea is that a higher credit score means you are more likely to pay for damages yourself rather than filing a claim.

GEICO vs. USAA Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesUSAA Average Annual Rates
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Once again, USAA is the cheaper option. Keep in mind that some states like California don’t allow insurance companies to consider your credit score when determining your rates.

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Does GEICO or USAA have better car insurance discounts?

You can easily lower your car insurance rates by adding discounts to your policy. Most companies offer a multitude of discounts so you can easily find ones that fit.

This table shows you GEICO and USAA car insurance discounts. If the amount of the discount is known, it is included.

GEICO vs. USAA Available Car Insurance Discounts
Car Insurance DiscountsGEICO (%)USAA (%)
Anti-lock Brakes5x
Claim Free2612
Continuous CoveragexN/A
Daytime Running Lights1x
Defensive Driverx3
Distant Studentxx
Driver's Edx3
Driving Device/Appx5
Early Signingx12
Emergency Deployment25N/A
Family Legacyx10
Farm VehiclexN/A
Federal Employee8N/A
Full PaymentxN/A
Further EducationxN/A
Good Student153
Low Mileagexx
Military GaragingN/A15
Multiple Policies10x
Multiple Vehicles25x
Newer Vehiclex12
Occasional OperatorN/Ax
Paperless/Auto BillingN/A3
Passive Restraint40x
Safe Driver1512
Seat Belt Use15N/A
Senior DriverN/Ax
Students & AlumnixN/A
Utility VehiclexN/A
Vehicle Recovery15x
VIN EtchingN/Ax
Young DriverN/A$75
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Although most of the discounts are offered by both companies, there are some differences.

GEICO, for example, offers a continuous coverage discount, but USAA does not offer that discount. USAA, on the other hand, offers a discount for being married, but GEICO does not.

When you compare GEICO vs. USAA car insurance quotes, don’t forget to take into consideration all of the discounts you can add to your policy for lower rates.

How do GEICO and USAA compare in financial strength and customer satisfaction?

Companies are ranked by A.M. Best based on their financial stability. GEICO and USAA car insurance companies both scored an A++, showing a superior ability to meet financial obligations.

When it comes to the Better Business Bureau, GEICO rates an A+ while USAA rates an A-. In addition, GEICO is accredited and USAA is not.

GEICO and USAA were ranked by J.D. Power on customer satisfaction, which included pricing, invoicing, claims, and the services they provide. In most regions, GEICO ranked above average, and USAA insurance reviews ranked among the best.

GEICO vs. USAA: The Bottom Line

GEICO and USAA offer mobile apps that allow you to access your policy, in addition to their websites. While you can also use the app or website to speak with customer service or file a claim, there are other ways to contact each company.

The GEICO claims phone number is 1-800-207-7847 and the GEICO address varies depending on where you live.

The USAA claims phone number is 1-800-531-8722, and the address is 9800 Fredericksburg Rd. San Antonio, TX 78288.

GEICO and USAA offer many different products and services, such as roadside assistance. You can also get USAA or GEICO windshield replacement and accident forgiveness.

Can I get GEICO and USAA near me? Yes, both companies offer coverage in all 50 states. To learn more about each company, read our GEICO car insurance review and our USAA car insurance review.

We know that it can be hard to decide whether to buy GEICO vs. USAA car insurance. The good news is that you have many different companies to choose from if GEICO or USAA doesn’t fit your needs.

We hope you’ve learned all you need to know about GEICO and USAA. Enter your ZIP code now to compare free car insurance quotes from companies near you today.