Find out which provider should earn your business.

 
 

When we researched the best car insurance companies in the nation, USAA and Geico topped our list. This Geico Vs USAA comparison takes a side-by-side look at each company in terms of coverage, discounts, customer satisfaction, cost, and more. Ultimately, both companies provide great coverage options and affordable premiums, but our review can help you find out which auto insurance provider will work best for your needs.

To get the best quotes, call our team at (855) 518-0148 or use the simple tool below that provides recommendations in your area:

 

In this article:

At A Glance: Geico Vs USAA

Geico – also known as the Government Employees Insurance Company – has been around since 1936. When comparing Geico vs USAA, you should know that Geico is the second-largest auto insurance company in the United States and has a superior financial strength rating from AM Best. That’s a good thing, and it means Geico can easily manage its $34 billion in premiums.

USAA has a track record for great customer service and affordable prices. The San Antonio-based company was formed in 1922 by 25 United States Army officers who sought to insure themselves when other companies saw the army as a high-risk group.

The table below offers an overview comparing several key details between each company

  Geico USAA
Best For Best Overall for non-military Best for Military and their Families
AM Best Financial Strength Rating A++ A++
Available Discounts 15 13
Eligibility No restrictions Military and family members
Overall Rating 4.5 5.0
Affordability 4.0 4.5
Customer Service 4.0 5.0
Coverage 4.0 4.5
Military Discount 15% at all times, 25% during emergency deployment 15% when vehicles are garaged on base, 60% during any deployment
Usage-Based Discount DriveEasy in Connecticut and Pennsylvania SafePilot in Arizona, Ohio, Texas, and Virginia
Rideshare Coverage Yes Yes
Market Share  13% 6%
J.D. Power Insurance Shopping Rating (2020) 867 / 1,000 900 / 1,000
J.D. Power Auto Claims Satisfaction Rating (2019) 879 / 1,000 900 / 1,000
Extras Roadside assistance, rental reimbursement, mechanical breakdown insurance Roadside assistance, rental reimbursement, accident forgiveness, total loss protection
 

*Market share statistics are from a 2018 report by the National Association of Insurance Commissioners. 

One important difference to note about USAA is that not everyone is eligible to purchase a USAA auto insurance policy. Potential USAA customers must meet one of the following requirements:

  • Be an enlisted, active, honorably separated, or retired member of the U.S. military
  • Be enrolled in a military commissioning program
  • Have a parent or spouse who has had a USAA auto or home insurance policy

If anyone in your family is a military member, you might want to ask them to sign up for a policy with USAA. Even if they switch companies down the road, they can still pass eligibility on to their family members.

 


 

Geico Vs USAA: Coverage Options

Both Geico and USAA offer the following standard types of auto insurance:

  • Liability: Bodily injury liability provides compensation for other drivers and passengers in accidents you cause. It comes with per-person and per-accident limits. Property damage liability pays for repairs to other cars in accidents you cause. States typically require liability coverage.
  • Collision: This option covers damage to your car no matter who causes the accident.
  • Comprehensive Auto Insurance: This option repairs your car after events like floods, vandalism, and falling branches. States don’t require collision or comprehensive, but most people add these options for full coverage.
  • Medical Payments (MedPay): This covers your hospital bills no matter who was at fault. MedPay usually doesn’t have a deductible, and you might be able to pay your health insurance deductible with it.
  • Personal Injury Protection (PIP): This option is similar to MedPay, but it also covers lost wages and some other services like childcare. PIP usually has a deductible and is required in no-fault states.
  • Uninsured/Underinsured Motorist (UM/UIM): This coverage protects you if you get into an accident with an uninsured or underinsured motorist.

In addition to the standard options, bother providers offers a few more types of coverage – important considerations when comparing Geico vs USAA auto insurance.

Geico Additional Coverage Options

Geico offers auto policy holders the following additional coverage options, which can be added to any Geico policy:

  • Roadside assistance: Get coverage for towing, jump starts, spare tire installation, and lockout services.
  • Rental reimbursement: Geico covers specified rental car costs after a claim. Geico can bill Enterprise directly, or it can reimburse you if you use another rental company.
  • Mechanical breakdown insurance (MBI): This coverage is similar to an extended car warranty. It only applies to cars that are newer than 15 months and 15,000 miles. MBI covers the failure of mechanical parts on your car, not regular wear and tear or maintenance.
  • Accident forgiveness: Geico customers can earn or purchase accident forgiveness, which guarantees your rate will not increase as the result of your first at-fault accident. This can be added by paying extra but is also awarded to customers who maintain a clean driving record.

Geico does not offer gap insurance, unlike other companies on our top 10 list.

USAA Additional Coverage Options

USAA customers can add on a few extra options to their insurance policies:

  • Roadside assistance: This can cover lockout services, towing, fuel delivery, and spare tire installation.
  • Rental reimbursement: This option pays for a rental car after a covered claim.
  • Accident forgiveness: In some states, you can purchase an add-on to keep your rates the same after one accident.
  • Total loss protection: USAA will cover the difference between the value of your car and what you have left to pay on your loan.

 


 

Geico Vs USAA: Cost And Discounts

Cost is an important consideration when comparing USAA vs Geico. In our research, we found that Geico does provide affordable rates for many people. If you’re a federal employee, Geico should definitely be on your list. You can get an eight percent discount as a federal employee grade GS-7 and above.

While Geico offers low rates, USAA rates may be even lower. The average auto insurance expenditure was around $935.80 in 2016 – and has only risen since then – but many USAA customers pay less than national averages.

The only way to find out exactly what you’ll pay is to get a quote. That’s because insurance prices are always unique to your situation, from your age to your location, driving history, credit score, and vehicle.

The cheaper provider may also depend on the discounts for which you qualify. See a comparison of Geico Vs USAA discounts in the chart below:

Discount Geico USAA

Multiple Vehicle

Multiple Policy

Safe Driver

Anti-Theft

 

Vehicle Safety

 

Good Student

Military

Emergency Deployment

New Car

Defensive Driving

Federal Employee

 

Driving Research Discount

 

Automatic Payments Discount

 

Military Base Garaging

 

Low Mileage Discount

 

Keep in mind that comparing USAA vs Geico for military discounts isn’t so simple. If you’re a retired veteran, you probably won’t be garaging your vehicle on a base or leaving for deployment anytime soon. In that case, you might want to take advantage of Geico’s 15 percent military discount that applies at all times. We also encourage you to check out our review on the best auto insurance for veterans.

 


 

Geico VS USAA: Ratings And Reviews

Overall, Geico has good customer service reviews. The company scored high on J.D. Power’s Auto Claims Satisfaction Study and was ranked highest among large insurers in the 2020 J.D. Power Insurance Shopping Study.

However, no reputable business is immune to negative reviews, and Geico has a number on its Better Business Bureau (BBB) page. However, Geico representatives resolve complaints in a timely manner – earning the provider an A+ BBB rating. Some complaints are about poor customer service. Others are about issues with a policy not covering certain things, like a rental car before a repair has been authorized.

When comparing Geico vs USAA, USAA really stands out in customer satisfaction. It was the highest-scoring company on J.D. Power’s Auto Claims Satisfaction Study and the second highest on J.D. Power’s Insurance Shopping Study. The company has a similar ratio of complaints-to-size as Geico, and it has resolved all its complaints at this time.

While both companies have strong service ratings, USAA is the more well-regarded of the two providers.

 


 

USAA Vs Geico: Which Is Best?

We think you should definitely get a quote from USAA if you meet its eligibility requirements. While USAA doesn’t have a military discount outside of deployment or garaging a vehicle on base, many drivers still find USAA to be cheaper than Geico.

Even if you do qualify for USAA, Geico is still a great option. If you’re not military or family of military, Geico is our first choice. Also, if you have poor credit or a not-so-clean driving record, you might find better rates with Geico than USAA.

You can learn more about each provider by reading our individual USAA auto insurance review and Geico auto insurance review.

 


 

Other Top Insurance Companies

It’s always a good idea to get at least three car insurance quotes when you’re shopping around. If you can’t find a good price when comparing Geico vs USAA, State Farm and Progressive should be on your list too. The tool below is a good option for finding insurance companies to get quotes from. For an even easier process, call our team at (855) 518-0148.

 
 

State Farm Insurance logo

State Farm

State Farm is the largest car insurer in the U.S., and it offers a number of discounts on policies. In our opinion, it’s the best option for students. Good students can find a 25 percent discount with the company. Plus, drivers under 25 years old can complete the Steer Clear educational in-app course and get another 15 percent off their insurance.

Read more in our full State Farm auto insurance review.

Progressive Insurance logo

Progressive

Comparing Geico vs USAA, neither offers much availability for usage-based insurance discounts. If you’re looking for providers that will give you discounts based on your driving, try Progressive car insurance. Progressive’s Snapshot program is available to drivers across the country (except drivers in California and North Carolina). The website says drivers can get about $26 off their first premium for signing up. After that, people save about $145 on their next six-month premium. However, if you aren’t a good driver, Snapshot could raise your rates.

Read more in our full Progressive auto insurance review.

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