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Geico vs. AAA

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Comparing the American Automobile Association, better known as AAA or Triple A, and Geico may help you find the best car insurance provider for you. Geico is known to be one of the cheapest car insurance companies and offers plentiful discounts, while AAA is known for higher rates and exceptional member benefits, such as its well-known roadside service program. Bankrate dove a little deeper to compare the carriers’ average rates based on certain circumstances, as well as discounts and online/mobile experience.

Learn more about Geico and AAA:

Geico vs AAA: Car insurance rates comparison

Each company’s Bankrate Score was calculated by analyzing third-party ratings from J.D. Power and AM Best, the amount of customer complaints filed with the National Association of Insurance Commissioners (NAIC), average premiums pulled from Quadrant Information Services, policy options and available discounts. Geico received a Bankrate score of 4.7 out of 5, higher than AAA’s 3.8 out of 5. Overall, Geico offers lower average premiums, ranked above-average in J.D. Power’s 2021 Auto Claims Satisfaction Study, and received a higher AM Best financial strength score than AAA.

Car insurance company Bankrate Score AM Best financial stability rating J.D. Power auto claims satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 4.7 A++ (Superior) 881/1,000 $365 $1,297
AAA 3.8 A (Excellent) Unrated $641 $2,389

Rates by credit score

In many states, car insurance companies may use your credit score as a rating factor to determine your premium, since studies have shown that policyholders with low credit scores may be more likely to file a claim. However, using credit as a rating factor is prohibited in California, Hawaii, Massachusetts and Michigan. While insurers in Michigan cannot use your credit score, they can use factors related to your credit score, such as missed or late payments. Washington legislation aimed at banning credit scoring passed, but is on hold while courts consider a lawsuit aimed at blocking the ban. If you live in a state that allows credit to be considered, the following table may be helpful. This table shows average rates for Geico and AAA by credit tier.

Average annual full coverage car insurance premium by credit tier

Car insurance company Poor Average Good Excellent
Geico $1,791 $1,379 $1,297 $1,207
AAA $5,191 $2,638 $2,389 $2,013

Rates by life stage

In many states, your marital status could impact your car insurance rates. Oftentimes, married couples pay less for their car insurance, while adding a teen to your policy could cause your rates to skyrocket. That’s because teen drivers are statistically involved in more accidents than older drivers and are riskier to insure as a result. This table shows average premiums by marital status for Geico and AAA.

Average annual full coverage car insurance premium by life stage

Car insurance company Single Married Married with 16-year-old driver
Geico $1,297 $1,263 $2,820
AAA $2,389 $2,242 $5,028

Rates by driving record

Your driving record may affect your car insurance rates significantly. Higher-risk incidents like DUIs typically come with much higher premium increases. Carriers may weigh offenses differently. Across categories, Geico’s average rates are much lower than AAA’s after an incident.

Average annual full coverage car insurance premium by driving record

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
Geico $1,297 $1,586 $1,300 $3,196
AAA $2,389 $2,912 $3,453 $5,146

Geico vs AAA: Discounts

Geico offers many valuable discounts to its customers, which could help keep car insurance affordable for those willing to search for specific discounts that apply to them. Among other categories, Geico offers a wide array of discounts for equipment improvements made to vehicles.

In addition to a wide range of auto insurance discounts, AAA is well-known for the added benefits it is able to offer to all of its members whether insured with the company or not. These include the many thousands of hotel and restaurants that offer discounts to AAA members.

Here are examples of popular Geico and AAA discounts:

Geico

  • Vehicle equipment discounts: Eligible policyholders may be able to get discounts for safety and auto protection improvements including dual airbags, anti-lock brakes, anti-theft systems and daytime running lights.
  • Military discounts: Military membership alone can provide a discount, as does emergency deployment.
  • Multi-car and multi-policy discounts: Bundling more than one vehicle in one car insurance policy or combining two or more policies, such as home and auto, may provide discounts.

AAA

  • Companion bundling discount: When you choose AAA for car insurance, you may receive a discount on other AAA insurance such as home or life.
  • Distant and good student discounts: When children between 15 and 25 are away at school, this discount may apply. Certain students who attain a 3.0 or higher GPA may qualify for a good student discount.
  • Discounts from membership: AAA members are able to apply for a membership discount. Retaining a membership over a period of years may make an AAA member eligible for a loyalty discount.

Geico vs AAA: Online and mobile experience comparison

The Geico Mobile app is highly-rated and well-designed to ease the process of completing numerous tasks and transactions related to a car insurance policy. Reminders of key “to do’s” can be set and bills can be paid from anywhere.

The AAA Mobile App is also highly-rated by Apple and Google. Easy remote access is provided to a multitude of comprehensive account management tools and AAA member services.

Both of these apps are available at the Apple Apps Store and Google Play:

  • Geico mobile app: This app has an App Store rating 4.8 out of 5 and a Google Play rating 4.7 out of 5. Reviews tout this app for its easy to access digital ID cards, policy access, bill paying and claim submission capabilities.
  • AAA mobile app: This app has an Apple Store rating of 4.4 of 5 and a Google Play score of 4.3 of 5. This app is available to AAA members whether they are car insurance policy holders or not. The app provides easy access to critical insurance services for emergencies such as roadside assistance and claim handling. Members are also able to use the app for trip planning services and thousands of hotel and restaurant discounts.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA

Teen: Rates were calculated by evaluating a 16-year-old male or female driver on their married parents’ full coverage car insurance policy.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor