AAA vs. Geico: Auto Insurance Comparison

Is AAA or Geico better for you?

Geico vs. AAA insurance rates

For instance, full coverage car insurance from Geico costs an average of $257 per month. The same policy costs an average of $275 per month from AAA.

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How much does AAA car insurance cost vs. Geico?

Geico vs. AAA auto insurance coverage

AAA offers lots of helpful coverage add-ons to upgrade your protection. Geico, on the other hand, only offers a few basic coverage options.

AAA policies automatically come with coverage most companies typically charge extra for.

For instance, AAA includes small claim forgiveness, which guarantees your rates won't go up if you cause less than $750 in damage. Some policies also include a disappearing deductible and cash back or a renewal credit for every policy period without a claim.

Geico vs. AAA car insurance discounts

Geico has a few more car insurance discounts than AAA, but both companies offer many of the standard discounts you would expect from a major company.

One major difference is that Geico has a safe driving program, or usage-based insurance, while AAA doesn't.

Its DriveEasy program tracks your driving habits using an app on your phone, and it awards safe drivers with a discount of up to 10%. However, your rates could go up if you have poor habits, such as handheld phone use or driving late at night.

AAA car insurance vs. Geico: Customer service, claim satisfaction and complaints

AAA has higher customer satisfaction scores in most parts of the country, according to J.D. Power. Geico only beat AAA in a handful of north-central states, including Illinois, Indiana, Michigan, Ohio and Wisconsin.

AAA also scored better than Geico on J.D. Power's claims satisfaction survey and gets fewer customer complaints, on average.

Geico roadside assistance vs. AAA

AAA offers a better roadside assistance program than Geico. For instance, while both companies cover jump-start services if your battery dies, AAA will cover the labor to replace your battery if the jump start isn't successful.

Frequently asked questions

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Methodology

To compare AAA auto insurance versus Geico, ValuePenguin analyzed quotes from five states where quotes were available from both companies. Rates are for a 30-year-old man with good credit and a clean driving record, unless otherwise noted.

Rates are for a full coverage policy with collision and comprehensive coverage, with the following limits:

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.