Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 27, 2021

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The Lowdown

  • GEICO has lower rates than USAA
  • GEICO and USAA are rated the same by A.M. Best
  • USAA is only available for military members and their families

GEICO and USAA offer auto insurance coverage throughout the United States. Both companies also offer a portfolio of other insurance products like homeowners, renters, and more. With a standard auto policy, you can also enjoy things like roadside services at a low cost.

Geico is one of the few companies that can go toe to toe with USAA on price, but USAA has slightly better financial strength ratings. Comparing GEICO vs. USAA auto insurance will allow you to find the company that best fits your needs.

Before comparing GEICO vs. USAA auto insurance, enter your ZIP code to find the best auto insurance rates in your area.

Does USAA or Geico Offer More Affordable Auto Insurance?

Geico and USAA often go toe to toe on rates. USAA’s rates are meant to be artificially low to show appreciation to our military service members and their families. They offer homeowners and auto insurance and many other financial products. Even when it comes to immediate family members, USAA has strict rules about who qualifies for coverage.

GEICO vs. USAA Auto Insurance: Average Annual Rates by Age

AgeGEICO Average Annual RatesUSAA Average Annual Rates
20$1,261$1,438
30$963$1,438
40$957$1,189
50$889$1,160
60$845$1,065
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Geico Insurance Agency offers similarly low rates on auto insurance. Rates can vary more widely based on things like your driving record, credit score, and the coverages you choose. Things like a multi-policy discount may lead to bigger differences in price when working with Geico Insurance Agency. While Geico can be cheaper than USAA for some customers, military members frequently choose the USAA network for its broader implications.

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What Coverage Options Are Available through Geico and USAA?

GEICO and USAA both offer multiple coverage options. The prices vary depending on the types of coverage chosen but you should be able to tailor your auto insurance plan to your specific needs.

GEICO and USAA offer similar optional coverages, with only a couple of differences. The options available from both companies include:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Roadside assistance including flat tire or fuel services
  • Rental car reimbursement
  • Rideshare insurance

In addition to the above options, GEICO offers mechanical breakdown insurance. USAA offers glass coverage and automobile replacement assistance.

What Discounts Are Available to Geico and USAA Members?

Most auto insurance companies offer various discounts for students, safe drivers, those with automotive safety devices, and more. Comparing GEICO Insurance Agency vs. USAA auto insurance company discounts will help you determine the provider that offers the best savings for you.

GEICO and USAA offer similar deals to customers, and both offer more than most competitors. Some of the discounts offered by these two companies include:

  • Multi-car
  • Home and car
  • Car and life
  • Anti-lock brakes
  • Anti-theft
  • Good driver
  • Good student
  • Military

While most discounts offered by GEICO Insurance Agency and USAA are the same, there are some differences. GEICO provides a deal for college graduates, while USAA provides savings for owning a new car and for long-term policyholders. USAA also offers an automatic discount for military members in part by excluding non-military members.

Policyholders can also get discounts by combining their auto insurance with boat, RV, or motorcycle insurance policies.

What Kind of Financial Ratings Do Geico and USAA Have?

Credit rating agencies review insurance companies and grade them based on financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file USAA or GEICO claims.

GEICO has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These ratings are all described as superior.

USAA has been rated an A++ by A.M. Best, an Aaa by Moody’s, and an AA+ by S&P. While A.M. Best and S&P rated USAA the same as GEICO, the company was rated slightly better by Moody’s.

GEICO and USAA’s ratings are some of the best in the industry, ensuring customers that they’ll receive a payout when they file a claim.

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GEICO vs. USAA Auto Insurance: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to list complaints about insurance companies. The organizations have received complaints about GEICO and USAA.

At the time of this comparison, the BBB has received 2,808 complaints about GEICO over the past three years. According to the NAIC, the company’s complaint index rating is 1.70, indicating a higher number of complaints than most similarly-sized companies.

The BBB has received 1,464 complaints about the USAA insurance company over the past three years. The NAIC shows a complaint index rating of 2.39 for USAA, indicating that they have more than double the complaint volume that is average for a company of its size.

Looking over the individual complaints is the best way for you to evaluate GEICO and USAA customer satisfaction.

GEICO vs. USAA Auto Insurance: Do they offer roadside assistance?

A common question when comparing GEICO vs. USAA auto insurance quotes is if roadside assistance is included. Both GEICO and USAA offer roadside assistance to customers, allowing policyholders to receive help when they suffer automotive problems.

Roadside support offered by GEICO and USAA is similar to what’s offered by other companies. Those qualifying for this service will be eligible to receive several types of assistance, including:

  • Towing
  • Tire replacement
  • Gas delivery

GEICO offers roadside assistance to all customers for $14 per year.

USAA offers roadside assistance through its USAA Towing and Labor policy. While presented as a separate plan, only those with vehicle coverage are eligible. The Cross Country Motor Club provides service for drivers.

GEICO vs. USAA Auto Insurance: Do they have mobile apps?

GEICO and USAA have apps that are available on any mobile device. With your USAA or GEICO login you can access your identification cards, make payments, and request roadside assistance.

While presenting a digital ID card is acceptable in most states when proof of insurance is required, you should also have a physical card on hand, as you might find yourself driving through areas lacking internet access.

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GEICO vs. USAA Auto Insurance: What are the pros and cons?

All insurance companies have pros and cons. Those deciding whether to buy GEICO vs. USAA auto insurance might make the pros and cons of each company a deciding factor.

GEICO has lower rates and more discounts than most competitors. However, they lack GAP insurance, meaning you might not have the protection you need if your car is totaled.

Competitive rates and USAA customer service are common reasons why people choose the company. The primary con is that USAA only offers coverage to current and former military service members and their families.

GEICO vs. USAA Auto Insurance: The Bottom Line

GEICO has lower rates than USAA, but both companies have some of the best financial ratings in the industry. USAA is only available for military families, so GEICO is available to more customers. Comparing GEICO vs. USAA auto insurance will help you make the right choice.

Now that you’ve compared GEICO vs. USAA auto insurance, enter your ZIP code to see the top auto insurance quotes in your area.