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.
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
18 | $2,202 | $2,778 |
30 | $4,324 | $4,888 |
60 | $4,060 | $4,698 |
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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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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\" 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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"}