AAA vs. Geico: Auto Insurance Comparison

AAA vs. Geico

Currently insured?
It's free, simple and secure.

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.

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/aaa-2","link":"#cheapest","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#reviews","linkText":"Best overall customer satisfaction"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#claims","linkText":"Best for claims processing"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/aaa-2","link":"#cheapest","linkText":"Cheapest for minimum liability"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#reviews","linkText":"Best overall customer satisfaction"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#claims","linkText":"Best for claims processing"}

Here, we some 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
{"alignsHorizontal":["left","center","center"],"alignsVertical":[],"columnWidths":["30%","35%","35%"],"data":[["Best for","AAA","Geico"],["Price","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E",""],["Coverages and discounts","","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Shopping experience","","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Claims processing","","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["Overall customer satisfaction","","\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E"],["","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"AAA review\" href=\"https:\/\/www.valuepenguin.com\/aaa-insurance-review\"\u003EAAA review\u003C\/a\u003E\u003C\/span\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Geico review\" href=\"https:\/\/www.valuepenguin.com\/geico-insurance-review\"\u003EGeico review\u003C\/a\u003E\u003C\/span\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

AAA vs. Geico: Where can I get 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

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

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

Rates for our 30- and 60-year-old benchmark driver are for a full coverage policy with liability limits above the state minimum, and rates for our 18-year-old benchmark driver are for a minimum liability policy

{"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":"Rates for our 30- and 60-year-old benchmark driver are for a full coverage policy with liability limits above the state minimum, and rates for our 18-year-old benchmark driver are for a minimum liability policy","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Car insurance is cheaper with AAA than it is with Geico, based on our survey of rates for drivers in California, Arizona and Nevada.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EA 30-year-old male living in California, for example, could save $217 per year on insurance premiums for a full coverage policy by choosing \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"AAA auto insurance\" href=\"https:\/\/www.valuepenguin.com\/aaa-insurance-review\"\u003EAAA auto insurance\u003C\/a\u003E\u003C\/span\u003E 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 \u2014 $1,827 per year for AAA and $2,451 per year for Geico.\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root ShortcodeImage--root-no-margin\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 1032.75px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/aaa-vs-geico-rates-m_bdzzj1 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/aaa-vs-geico-rates-m_bdzzj1 2x\"\n\/\u003E\n \u003Cimg alt=\"This graph compares auto insurance quotes for AAA and Geico for three different driver profiles\" class=\"lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/aaa-vs-geico-rates_g2a38y\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/aaa-vs-geico-rates_g2a38y\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/aaa-vs-geico-rates_g2a38y 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/aaa-vs-geico-rates_g2a38y 2x\"\u003E\n \u003C\/picture\u003E\n \u003C\/figure\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardQuoteForm\" data-component-name=\"QuoteWizardQuoteForm\"\u003E\n \u003Cdiv class=\"QuoteWizardQuoteForm--root QuoteWizardQuoteForm--dropshadow\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in Your Area\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--148\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C20049\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_compare-aaa-vs-geico-car-insurance\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"vp\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Select\" class=\"InputDropdown--select\" name=\"\"\u003E\u003Coption selected=\"\" value=\"auto\"\u003EAutomotive\u003C\/option\u003E\u003Coption value=\"home\"\u003EHomeowners\u003C\/option\u003E\u003Coption value=\"life\"\u003ELife\u003C\/option\u003E\u003Coption value=\"motorcycle\"\u003EMotorcycle\u003C\/option\u003E\u003Coption value=\"renters\"\u003ERenters\u003C\/option\u003E\u003Coption value=\"health\"\u003EHealth\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--zip-code\"\u003E\u003Cdiv class=\"ZipCodeInput--root \"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cspan class=\"TextInput--symbol\"\u003E\u003C\/span\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"prior\" class=\"InputDropdown--select\" name=\"prior\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"Find Insurers\" class=\"Button--root Button--primary \" type=\"submit\" value=\"Find Insurers\"\u003EFind Insurers\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"Find Insurers\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--148\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"dropshadow\",\"tier\":\"default\",\"title\":\"Find Cheap Auto Insurance Quotes in Your Area\",\"trackingKey\":\"_compare-aaa-vs-geico-car-insurance\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAAA vs Geico auto insurance rate comparison\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003ERates represent the average annual cost of an auto insurance policy for benchmark drivers in California, Nevada, and Arizona\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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003Eage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\u003Cp class=\"SortableTable--footnote\"\u003ERates for our 30- and 60-year-old benchmark driver are for a full coverage policy with liability limits above the state minimum, and rates for our 18-year-old benchmark driver are for a minimum liability policy\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv 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\":\"Rates for our 30- and 60-year-old benchmark driver are for a full coverage policy with liability limits above the state minimum, and rates for our 18-year-old benchmark driver are for a minimum liability policy\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\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: 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.

{"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.","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\n \u003Cdiv 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.\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\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%
{"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":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EClaim satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\n \u003Cdiv 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\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"normal"}

AAA has a slightly higher rate of complaints than Geico

Relative to its size, Geico receives fewer complaints than AAA. 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, Geico's complaint index of 0.74 is lower than AAA's score of 0.87.

Complaint Ratio
AAA
Geico
20160.550.65
20170.751.05
20180.920.92
{"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":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}
{"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\"\u003EAAA has a slightly higher rate of complaints than Geico\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, Geico receives fewer complaints than AAA. 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, Geico's complaint index of 0.74 is lower than AAA'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 cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EComplaint Ratio\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAAA\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\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\n \u003Cdiv 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\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\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
{"alignsHorizontal":["left","center","center"],"alignsVertical":[],"columnWidths":["33%","33%","33%"],"data":[["Bodily injury and property damage liability","AAA","Geico"],["Personal injury protection (in states where it is offered)","\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"],["Medical payments","\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"],["Uninsured and underinsured motorist liability","\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"],["Comprehensive and collision coverage","\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"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

However, while Geico is available nationwide, AAA is only offered in select states:

  • Alabama
  • Arkansas
  • California
  • Connecticut
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • New Mexico
  • Maine
  • New Hampshire
  • Ohio
  • Pennsylvania
  • Texas
  • Virginia
  • West Virginia
{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EHowever, while Geico is available nationwide, AAA is only offered in select states:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Alabama\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Arkansas\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n California\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Connecticut\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Hawaii\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Illinois\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Indiana\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Kansas\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Kentucky\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Louisiana\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Mississippi\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Missouri\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n New Mexico\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Maine\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n New Hampshire\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ohio\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Pennsylvania\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Texas\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Virginia\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n West Virginia\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","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
Affinity discounts (for members of certain groups or clubs)
Good driver
Good student
Military member
Emergency deployment
{"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"],["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"],["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"],["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":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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.

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.

Bailey is a Research Analyst at ValuePenguin, covering insurance. He graduated from Occidental College with a B.A. in Mathematics and a minor in Computer Science. Bailey's analysis of the insurance industry and driver behaviors has been featured by CNBC, the Houston Chronicle and the National Transportation Bureau Safety Board.