Geico vs. AAA Car Insurance Comparison [2025]
Geico's monthly car insurance average is $66, compared to AAA's average of $82 per month. Geico and AAA both have excellent financial ratings. However, in terms of customer satisfaction, AAA surpasses Geico. Read our Geico vs. AAA car insurance comparison if you're contemplating either provider for affordable insurance.
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Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated January 2024
- AAA offers club membership in addition to car insurance
- Both Geico and AAA have superior financial ratings
- When it comes to customer satisfaction, AAA edges out Geico
The insurance business is very competitive these days, and that can be a good thing for consumers. It is easy to find out a lot of information about different insurers before you trust a company with your financial security.
Geico and AAA are two popular companies that you might want to consider.
Compare Geico vs AAA Car Insurance Services
The American Automobile Association (AAA) is more famous as an auto club. They also offer their members auto insurance. Geico used to only sell coverage to government employees, but started selling to all consumers a few decades ago.
You do have to be a AAA member to purchase their auto insurance. That membership does provide some extra benefits that might be attractive to many vehicle owners. For example, here are some of the benefits of membership:
- You get roadside assistance
- There are a variety of discounts at hotels, restaurants, and attractions
- They offer locksmith service
Geico is known as a direct, no-frills company with competitive rates. However, you can also choose to add roadside assistance to your policy with this company for an extra charge. This includes services like towing and flat tire changing, but it does not include all of the other member discounts.
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Is AAA or Geico More Financially Secure?
Everybody wants to do business with a financially stable company that has plenty of funds to pay claims. A.M. Best is a company that rates insurers by their financial security. Both companies have very good ratings, but Geico has been ranked slightly higher.
- AAA Financial Rating: A+ Superior
- Geico Financial Rating: A++ Superior
Customer Rankings of Geico vs AAA Insurance
Of course, most consumers do not spend much time thinking about the financial ratings of their insurers. This is particularly true of such large and established companies as AAA and Geico.
Most vehicle owners want to know if it is easy to purchase a policy and make a claim. J.D. Powers surveys consumers and publishes the results of these surveys.
When it comes to rating their claims satisfaction, customers gave AAA 4 out of 5 and gave Geico only 3 out of 5.
Your own experience could depend upon many factors like the agent you happen to speak with or how complicated your coverage needs are.
What’s more affordable Geico or AAA?
Since your own premium will depend upon dozens of factors, it is impossible to know which insurer will offer you a better rate until you compare price quotes.
You cannot rely on the experiences of your neighbors or coworkers. They will have different driving records and vehicles than you do.
Frequently Asked Questions
What is the difference between Geico and AAA car insurance?
Geico and AAA are both well-known car insurance providers, but there are some differences between them. Geico is a large national insurance company that offers a wide range of coverage options and competitive rates. AAA, on the other hand, is a membership-based organization that provides various services, including car insurance, to its members. AAA car insurance typically offers additional benefits and discounts to AAA members.
Which company offers better rates, Geico or AAA?
The rates offered by Geico and AAA can vary depending on several factors, including your location, driving history, and the type of coverage you need. It’s always a good idea to compare quotes from both companies to determine which one offers the best rate for your specific situation. Keep in mind that insurance rates are personalized, so what may be cheaper for one person might not be the case for another.
What types of coverage do Geico and AAA offer?
Geico and AAA both offer a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. However, specific coverage options and policy features can vary depending on your state and the type of policy you choose.
Does Geico or AAA provide additional benefits or discounts?
Geico and AAA both offer additional benefits and discounts to their policyholders. Geico provides various discounts, such as multi-policy discounts, good driver discounts, and vehicle safety feature discounts. AAA, as a membership-based organization, offers benefits beyond insurance, including roadside assistance, travel discounts, and other services, which may be included or available at a discounted rate for AAA members.
Which company has better customer service, Geico or AAA?
Both Geico and AAA are known for providing good customer service. Geico has a strong online presence and offers 24/7 customer support. AAA also has a reputation for excellent customer service, often providing personalized assistance to its members. It’s a good idea to read reviews, ask for recommendations, and consider your personal preferences when evaluating customer service.
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