AAA vs. Geico: Auto Insurance Comparison

AAA vs. Geico

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AAA's combination of cheap insurance premiums and quality customer service make it our recommendation over Geico for most drivers, though both insurance companies offer competitive auto insurance rates.

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{"eventCategory":"Visual TOC Item","eventLabel":"Best overall customer satisfaction","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#reviews","linkText":"Best overall customer satisfaction"}
{"eventCategory":"Visual TOC Item","eventLabel":"Best for claims processing","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#claims","linkText":"Best for claims processing"}
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Here, we sum up the pros and cons for both AAA and Geico, and go into further detail below to help identify which company might be best for you.

Best for
AAA
Geico
Price
Coverages and discounts
Shopping experience
Claims processing
Overall customer satisfaction
AAA reviewGeico review

AAA vs. Geico: Which has the cheapest car insurance?

Car insurance is cheaper with AAA than it is with Geico, based on our survey of rates for drivers in California, Arizona and Nevada.

A 30-year-old male living in California, for example, could save $217 per year on insurance premiums for a full coverage policy by choosing AAA auto insurance over Geico. Additionally, AAA's car insurance rates for our 18-year-old profile driver in California were 25% cheaper than Geico's for a minimum coverage policy — $1,827 per year for AAA and $2,451 per year for Geico.


This graph compares auto insurance quotes for AAA and Geico for three different driver profiles

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AAA vs Geico auto insurance rate comparison

Rates represent the average annual cost of an auto insurance policy for benchmark drivers in California, Nevada, and Arizona

age
AAA
Geico
18$2,202$2,778
30$4,324$4,888
60$4,060$4,698

Drivers with an at-fault accident on their driving record can get cheaper car insurance premiums with AAA than with Geico. For drivers with a bad driving record, AAA's insurance premiums were only 46% more expensive on average, than their rates for drivers with clean motor vehicle records — compared to a 51% difference for Geico.

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\u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003Eage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E18\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,202\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,778\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E30\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,324\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,888\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E60\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,060\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,698\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"age\",\"AAA\",\"Geico\"],[\"18\",\"$2,202\",\"$2,778\"],[\"30\",\"$4,324\",\"$4,888\"],[\"60\",\"$4,060\",\"$4,698\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EDrivers with an at-fault accident on their driving record can get cheaper car insurance premiums with AAA than with Geico. For drivers with a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Cheap Car Insurance for a Bad Driving Record\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-car-insurance-bad-driving-record\"\u003Ebad driving record,\u003C\/a\u003E\u003C\/span\u003E AAA's insurance premiums were only 46% more expensive on average, than their rates for drivers with clean motor vehicle records \u2014 compared to a 51% difference for Geico.\n\u003C\/div\u003E\n","padding":"double"}

AAA vs. Geico: Discounts

In terms of discounts, both AAA and Geico offer a number of the standard discounts offered by many car insurance companies. However, Geico features a number of discounts targeted towards military members — such as a 15% premium reduction and reduced rates for deployed military members — that make it the better choice for drivers in the military.

Discount
AAA
Geico
Multi-policy
Multi-vehicle
Good driver
Good student
Affinity discounts (for members of certain groups or clubs)
Military member
Emergency deployment

In addition to the discounts on insurance premiums, AAA members — including those without auto insurance through AAA — also have access to excellent benefits and discounts. This is a benefit that Geico cannot come close to matching, and includes special pricing at various retail stores, restaurants and hotels. In fact, AAA estimates that their members save $1 billion per year by taking advantage of the discounts that accompany their membership.

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class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"33%\" class=\"StyledHeaderCell-sc-nsptsd hfAuTo\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EDiscount\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"33%\" class=\"StyledHeaderCell-sc-nsptsd hfAuTo\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"33%\" class=\"StyledHeaderCell-sc-nsptsd hfAuTo\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMulti-policy\u003C\/td\u003E\u003Ctd colSpan=\"1\" 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class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGood student\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAffinity discounts (for members of certain groups or clubs)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMilitary member\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EEmergency deployment\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"33%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"center\",\"center\"],\"alignsVertical\":[],\"columnWidths\":[\"33%\",\"33%\",\"33%\"],\"data\":[[\"Discount\",\"AAA\",\"Geico\"],[\"Multi-policy\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Multi-vehicle\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Good driver\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Good student\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Affinity discounts (for members of certain groups or clubs)\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Military member\",\"\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Emergency deployment\",\"\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIn addition to the discounts on insurance premiums, AAA members \u2014 including those without auto insurance through AAA \u2014 also have access to excellent benefits and discounts. This is a benefit that Geico cannot come close to matching, and includes special pricing at various retail stores, restaurants and hotels. In fact, AAA estimates that their members save $1 billion per year by taking advantage of the discounts that accompany their membership.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

AAA vs. Geico: Customer service, claim satisfaction and reviews

Drivers should expect to get better customer service from Geico than AAA. Both current customers and professional rating agencies have given Geico solid reviews for their claims processing and customer service. In comparison AAA's marks were generally positive, but less so than AAA's.

Geico has better customer service than AAA

Geico earned more top ranks for its customer service than AAA. Only about one in every three AAA customers say they receive excellent customer service compared to 42% of Geico customers. Additionally, more respondents reported fair or negative service with AAA than Geico — 12% compared to 3%.

Besides cheap rates, customer service is the most important factor for consumers when choosing their insurer according to our survey of customers. We found that one-third of customers cited customer service as the reason they chose their current insurer.

Insurer satisfaction rating
AAA
Geico
Excellent32%42%
Great40%29%
Good16%26%
Fair10%3%
Poor2%0%

Source: ValuePenguin's survey of current customers.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EGeico has better customer service than AAA\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EGeico earned more top ranks for its customer service than AAA. Only about one in every three AAA customers say they receive excellent customer service compared to 42% of Geico customers. Additionally, more respondents reported fair or negative service with AAA than Geico \u2014 12% compared to 3%.\u003C\/p\u003E\n\n\u003Cp\u003EBesides \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Who Has the Best Cheap Car Insurance?\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-car-insurance\"\u003Echeap rates\u003C\/a\u003E\u003C\/span\u003E, customer service is the most important factor for consumers when choosing their insurer according to our survey of customers. We found that one-third of customers cited customer service as the reason they chose their current insurer.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EExcellent\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E32%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGreat\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E40%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E29%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGood\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E16%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E26%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFair\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E10%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPoor\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003ESource: ValuePenguin's survey of current customers.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer satisfaction rating\",\"AAA\",\"Geico\"],[\"Excellent\",\"32%\",\"42%\"],[\"Great\",\"40%\",\"29%\"],[\"Good\",\"16%\",\"26%\"],[\"Fair\",\"10%\",\"3%\"],[\"Poor\",\"2%\",\"0%\"]],\"footnote\":\"Source: ValuePenguin's survey of current customers.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"normal"}

Geico's customers are more satisfied with their claims than AAA's

When asked how satisfied current customers were with their most recent claim, 64% of Geico's customers reported being extremely satisfied, which is 20 percentage points more than AAA's. Furthermore only 2% report having a negative experience with their most recent Geico claim.

If you are in a car accident, you will likely end up having to file a claim against your auto insurance company to receive compensation for damage to your vehicle. Having an insurer that you feel is working with you to get you back on the road after an accident is one of the most important aspects of choosing an insurer.

Claim satisfaction rating
AAA
Geico
Extremely satisfied44%64%
Somewhat satisfied32%30%
Neither satisfied nor dissatisfied20%4%
Somewhat dissatisfied4%2%
Extremely dissatisfied0%0%
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"claims\" class=\"align-center\"\u003EGeico's customers are more satisfied with their claims than AAA's\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWhen asked how satisfied current customers were with their most recent claim, 64% of Geico's customers reported being extremely satisfied, which is 20 percentage points more than AAA's. Furthermore only 2% report having a negative experience with their most recent Geico claim.\u003C\/p\u003E\n\n\u003Cp\u003EIf you are in a car accident, you will likely end up having to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How to File an Auto Insurance Claim\" href=\"https:\/\/www.valuepenguin.com\/filing-auto-insurance-claim\"\u003Efile a claim\u003C\/a\u003E\u003C\/span\u003E against your auto insurance company to receive compensation for damage to your vehicle. Having an insurer that you feel is working with you to get you back on the road after an accident is one of the most important aspects of choosing an insurer.\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\n\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EClaim satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EExtremely satisfied\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E44%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESomewhat satisfied\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E32%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E30%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENeither satisfied nor dissatisfied\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E20%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESomewhat dissatisfied\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EExtremely dissatisfied\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Claim satisfaction rating\",\"AAA\",\"Geico\"],[\"Extremely satisfied\",\"44%\",\"64%\"],[\"Somewhat satisfied\",\"32%\",\"30%\"],[\"Neither satisfied nor dissatisfied\",\"20%\",\"4%\"],[\"Somewhat dissatisfied\",\"4%\",\"2%\"],[\"Extremely dissatisfied\",\"0%\",\"0%\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"normal"}

Geico has a slightly higher rate of complaints than AAA

Relative to its size, AAA receives fewer complaints than Geico. In 2018, the most recent year data is available, the two companies received identical complaint ratios — which is the number of complaints an insurer receives relative to its size. However, when you consider the three-year average of each company, AAA's complaint index of 0.74 is lower than Geico's score of 0.87.

Complaint Ratio
AAA
Geico
20160.550.65
20170.751.05
20180.920.92
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EGeico has a slightly higher rate of complaints than AAA\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003ERelative to its size, AAA receives fewer complaints than Geico. In 2018, the most recent year data is available, the two companies received identical complaint ratios \u2014 which is the number of complaints an insurer receives relative to its size. However, when you consider the three-year average of each company, AAA's complaint index of 0.74 is lower than Geico's score of 0.87.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\n\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EComplaint Ratio\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2016\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.55\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.65\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2017\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.75\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.05\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2018\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.92\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.92\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Complaint Ratio\",\"AAA\",\"Geico\"],[\"2016\",\"0.55\",\"0.65\"],[\"2017\",\"0.75\",\"1.05\"],[\"2018\",\"0.92\",\"0.92\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"normal"}

AAA vs. Geico: Insurance coverage comparison

Both AAA and Geico will be able to offer you the expected auto insurance coverages.

Bodily injury and property damage liability
AAA
Geico
Personal injury protection (in states where it is offered)
Medical payments
Uninsured and underinsured motorist liability
Comprehensive and collision coverage

Quote methodology

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.