GEICO vs. USAA Car Insurance (2021)

GEICO and USAA are two of the cheapest companies in the United States, but rates will vary from person to person. How affordable GEICO vs. USAA car insurance is for you will depend on the discounts for which you qualify from each company. Compare GEICO vs. USAA car insurance quotes to find the best deal for you..

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 11, 2021

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The Highlights

  • USAA car insurance is $57 cheaper than GEICO per month
  • GEICO quotes are available for all consumers, but USAA quotes are limited to military members, veterans, and their immediate families
  • You’ll pay more for GEICO car insurance, but USAA has fewer car insurance discounts

Have you narrowed your car insurance choices down to GEICO and USAA? Comparing GEICO vs. USAA car insurance isn’t as complicated as it seems, but getting reliable coverage could be challenging.

Don’t worry — we’re here to help. We’ll show you how to compare car insurance, discounts, and third-party ratings of two of the best insurance companies in the United States.

Read on to learn more about how GEICO vs. USAA compare. For free car insurance quotes from top companies right now, enter your ZIP code above.

GEICO vs. USAA Car Insurance Pricing: Which company has the cheapest national average?

Based on the national average, there is a $57 difference in the rates for USAA and GEICO. The national average for USAA auto insurance is $211 per month, while GEICO auto insurance has a national average of $268 per month.

It’s not a significant difference like you may have seen with other company comparisons. But remember, USAA quotes are only available to military members, veterans, and their immediate families.

The same factors that determine car insurance rates for other companies apply to USAA and GEICO coverage. Continue reading to learn more about how those factors affect monthly car insurance rates at both companies.

If you want a closer look at these companies, we have in-depth information in our USAA insurance review and GEICO insurance review.

How does age affect GEICO vs. USAA car insurance rates?

Age usually correlates to your driving experience. That’s why a GEICO quote or USAA quote is more expensive when you include teen or young adult drivers on your policy.

Let’s look at how GEICO and USAA estimate car insurance costs by age.

GEICO vs. USAA Average Monthly Car Insurance Rates by Age
Age of DriversGEICO Average Monthly Car Insurance RatesUSAA Average Monthly Car Insurance Rates
60-Year-Old Driver$189$121
35-Year-Old Driver$192$129
25-Year-Old Driver$193$171
17-Year-Old Driver$497$425
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As you can see, USAA car insurance is more affordable for every demographic.

There may not be a huge difference in rates for GEICO and USAA, but the cost of car insurance adds up, especially if you’re insuring a younger driver.

How does credit score affect GEICO vs. USAA car insurance quotes?

Car insurance companies believe that drivers with good or excellent credit are less likely to file a claim, so these drivers see cheaper rates.

If your state has not banned this practice, GEICO and USAA will use your credit history to determine your rates. Let’s see how these companies calculate credit-based car insurance.

GEICO vs. USAA Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryGEICO Average Monthly Car Insurance RatesUSAA Average Monthly Car Insurance Rates
Good Credit Score (670-739)$203$152
Fair Credit Score (580-669)$249$185
Poor Credit Score (300-579)$355$308
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Once again, GEICO is the more expensive car insurance company when compared to USAA. GEICO’s rates for those with fair credit are almost $65 more per month than the rates USAA charges.

How do driving records impact GEICO and USAA car insurance premiums?

The easiest way to get cheap car insurance is by keeping a clean driving record. Any infraction can impact your rates, but which violation will hurt your wallet the most?

Let’s review a few driving infractions and see how USAA vs. GEICO car insurance rates compare.

GEICO vs. USAA Average Monthly Car Insurance Rates by Driving Record
Driving Record SummaryGEICO Average Monthly Car Insurance RatesUSAA Average Monthly Car Insurance Rates
Clean Driving Record$179$161
With 1 Speeding Violation$220$183
With 1 Accident$266$210
With 1 DUI$406$292
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USAA insurance is still more affordable regardless of your driving record. Accidents and DUI convictions impact your premium the most.

Although your rates could be different if you’re eligible for the GEICO military discount, you’ll have to qualify for more deals to match the lower prices of USAA. Read on to learn more.

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USAA vs. GEICO: Special and Standard Car Insurance Discounts

Were you interested in comparing GEICO vs. USAA homeowners insurance along with auto insurance? If so, you can bundle home insurance with car insurance to save money on your total insurance bill.

Even if you don’t want to bundle, there are many more discounts to consider when you get a GEICO or USAA quote.

But which company has more? Let’s compare USAA and GEICO discounts to find out.

GEICO vs. USAA Car Insurance Discounts
Car Insurance DiscountsGEICO AvailabilityUSAA Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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USAA is cheaper, but GEICO provides more discounts for its customers. If you qualify for enough bargains, you could pay even less than USAA customers do on average.

Discounts can also help with optional coverage costs, such as GEICO’s mechanical breakdown insurance.

GEICO vs. USAA Car Insurance: Financial Strength and Consumer Reviews

It’s important to get a fair price, but you also want to know that the company you’re choosing is reliable.

We collected ratings from the best agencies in the United States to give you an idea of how GEICO and USAA are performing financially and how satisfied their customers are. Let’s look at the ratings.

GEICO vs. USAA Ratings
AgenciesGEICO RatingsUSAA Ratings
AM BestA++A++
Moody'sAa3Aa1
S&PAA+AA+
NAIC Complaint Index1.141.8
J.D. Power - Power Circle RatingsAbout AverageAmong The Best
Apple App Store (iOS) Ratings5 stars4 stars
Google Play Store (Android) Ratings5 stars5 stars
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USAA and GEICO have the same ratings under A.M. Best and S&P. However, USAA has a better Moody’s rating. These ratings indicate that both companies are very financially secure.

Based on the information from the National Association of Insurance Commissioners (NAIC), USAA receives significantly more customer complaints than GEICO. However, USAA has a much better J.D. Power score. GEICO has more positive mobile app ratings than USAA.

GEICO vs. USAA Car Insurance: What’s the bottom line?

USAA is the more affordable auto insurance provider, but it’s not available to all customers. GEICO may be a good choice for those who aren’t eligible for USAA because of the military requirements.

If you are in the military, make sure to look into all of the GEICO discounts you might be eligible for before you decide whether to buy GEICO vs. USAA car insurance. It could still end up being the better option for you.

Now that you know more about GEICO vs. USAA car insurance, you can shop for car insurance with confidence. Enter your ZIP code in the free comparison tool below to compare the best companies in your area.

Are you looking for free insurance quotes?

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