Geico vs. AAA Car Insurance in 2025 [Compare Costs & Options!]
Compare Geico vs. AAA car insurance, where Geico offers minimum coverage at $43 a month, while AAA starts at $65 a month for cost-conscious drivers. Geico and AAA specialize in liability and roadside assistance, with AAA bundling it in and Geico offering it as an optional policy add-on.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Apr 6, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 6, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
19,116 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
3,027 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
3,027 reviewsGeico vs. AAA car insurance specialize in liability and roadside assistance coverage, with Geico offering it as an add-on and AAA including it with membership.
Geico, a Berkshire Hathaway subsidiary, offers low rates nationwide and a strong range of coverages. Its Auto Repair Xpress program ensures fast, high-quality repairs.
Geico vs. AAA Car Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.4 | 4.1 |
| Business Reviews | 4.5 | 4.5 |
| Claim Processing | 4.8 | 3.3 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.4 | 4.1 |
| Customer Satisfaction | 2.3 | 2.1 |
| Digital Experience | 5.0 | 4.0 |
| Discounts Available | 4.7 | 5.0 |
| Insurance Cost | 4.5 | 4.1 |
| Plan Personalization | 4.5 | 4.0 |
| Policy Options | 4.1 | 4.4 |
| Savings Potential | 4.5 | 4.4 |
| Geico | AAA |
AAA insurance is offered through regional motor clubs, so availability varies by state. It provides multiple coverage options, and its AAR program ensures that members receive quality repairs.
Geico supports direct access and quick claims, while AAA enhances value through bundled member services. Both serve different needs with distinct access and service models.
- Geico vs. AAA car insurance vary in service and structure
- Geico provides fast repairs through Auto Repair Xpress
- AAA includes AAR access and roadside help for members
Uncover the best value between AAA vs Geico car insurance by entering your ZIP code into our free quote comparison tool and instantly viewing multiple personalized quotes.
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Geico vs AAA’s Monthly Premium Trends by Age and Gender
This table shows full coverage rates from Geico and AAA by age and gender. The premiums for teen drivers are very high, but Geico offers about $219 less for 16-year-old drivers.
Geico vs. AAA Full Coverage Car Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $425 | $635 |
| Age: 16 Male | $445 | $664 |
| Age: 30 Female | $128 | $141 |
| Age: 30 Male | $124 | $147 |
| Age: 45 Female | $114 | $125 |
| Age: 45 Male | $114 | $122 |
| Age: 60 Female | $104 | $108 |
| Age: 60 Male | $106 | $111 |
Rates drop significantly by age 30. Geico remains lower across every category. Geico’s pricing advantage stays solid, even when the gender gap shrinks with age.
This table compares Geico and AAA to nine other insurers. Geico posts the lowest monthly rate at $43 for minimum coverage and $114 for full.
Geico vs. AAA Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $122 |
 | $87 | $228 |
 | $62 | $166 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $248 |
AAA is notably higher at $65 and $122. Travelers and Liberty Mutual car insurance have the most expensive full coverage. State Farm offers competitive rates, falling just behind Geico for budget-conscious drivers.
Diverse Protection Paths in Geico vs. AAA Car Insurance
Both Geico and AAA offer essential protections like liability, which pays for injuries and property damage you cause, and collision, which covers your vehicle in crashes.
Geico vs. AAA Car Insurance Coverage Options
| Coverage Type | | |
|---|---|---|
| Liability (Bodily Injury & Property Damage) | ✅ | ✅ |
| Collision | ✅ | ✅ |
| Comprehensive | ✅ | ✅ |
| Personal Injury Protection (PIP) | ✅ | ✅ |
| Medical Payments (MedPay) | ✅ | ✅ |
| Uninsured/Underinsured Motorist | ✅ | ✅ |
| Roadside Assistance | ✅ | ✅ |
| Rental Reimbursement | ✅ | ✅ |
| Mechanical Breakdown Insurance (MBI) | ✅ | ❌ |
| Gap Insurance | ✅ | ✅ |
Comprehensive protects against non-crash damage like theft or hail. PIP and MedPay handle medical bills regardless of fault. The uninsured motorist steps in when the other driver lacks coverage. Roadside assistance and rental reimbursement are included by both, though Geico charges extra for roadside assistance.
Geico stands out with its Mechanical Breakdown Insurance (MBI), which covers internal failures beyond standard warranties, which AAA insurance doesn’t offer. Both include gap insurance, helping drivers avoid paying out-of-pocket on totaled financed vehicles. Learn how rates differ across providers when you compare GAP insurance today.
Pricing Difference of Geico vs AAA Insurance
Full coverage rates from Geico and AAA shift dramatically based on driving history. While both charge $189 after an accident, Geico’s DUI rate jumps to $309—nearly $100 more than AAA.
Geico vs. AAA Full Coverage Car Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $114 | $122 |
| One Accident | $189 | $189 |
| One Ticket | $151 | $154 |
| One DUI | $309 | $211 |
AAA keeps pricing tighter across violations, especially with DUIs. A clean record saves the most, but one misstep can spike your monthly premium by over 60%. Find out which companies still offer cheap car insurance after a DUI conviction.
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Top Geico and AAA Discounts for Smart Savers
Geico and AAA diverge in discount strength across categories. While both offer 25% off for multi-vehicle policies, Geico outpaces AAA in low mileage and military savings. Explore the features that make the best low-mileage car insurance ideal for remote workers and city dwellers with limited commutes.
Geico vs. AAA Car Insurance Discounts by Savings Potential
| Discount Type | | |
|---|---|---|
| Multi-Vehicle | 25% | 25% |
| Multi-Policy (Bundling) | 25% | 15% |
| Good Driver | 26% | 30% |
| Defensive Driving | 15% | 14% |
| Good Student | 15% | 14% |
| Low Mileage | 30% | 10% |
| Military | 15% | 10% |
| Federal Employee (Eagle) | 8% | 6% |
| New Car | 15% | 10% |
| Paid-in-Full | 10% | 15% |
| Auto Pay & Paperless | 7% | 5% |
| Usage-Based Insurance (UBI) | 25% | 30% |
| Anti-Theft | 15% | 25% |
| Safe Driver | 15% | 10% |
| Loyalty | 10% | 12% |
AAA counters with higher safe-driving and anti-theft rewards. The table below highlights which provider gives deeper savings depending on your habits, vehicle type, and eligibility for specialty discounts.
How Geico and AAA Compare in Ratings
This table compares Geico and AAA according to major rating agencies. In J.D., AAA is a little bit ahead of Geico. Power’s satisfaction scores, while both tie in Consumer Reports at 74/100.
Insurance Business Ratings & Consumer Reviews: Geico vs. AAA
| Agency | | |
|---|---|---|
 | Score: 692 / 1,000 Above Avg. Satisfaction | Score: 706 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 74/100 Good Customer Feedback |
 | Score: 0.55 Fewer Complaints Than Avg. | Score: 0.58 Fewer Complaints Than Avg. |
 | Score: A++ Superior Financial Strength | Score: A Excellent Financial Strength |
Geico insurance has an advantage in financial strength, holding an A++ rating from A.M. Best. Both companies have low complaint ratios, but Geico is slightly better, with even fewer complaints reported.
This table reveals how Geico and AAA stack up in the national auto insurance market. Geico holds 12.3% of the market, making it a dominant force among U.S. insurers.
AAA trails far behind at just 1.5%, showing limited reach. The remaining 86.2% is divided among other competitors with smaller but collectively significant shares.
Read more: Geico Car Insurance Review
Compare Geico vs AAA Car Insurance Services
The American Automobile Association (AAA) is more famous as an auto club. They also offer their members auto insurance. Geico auto insurance used to only sell coverage to government employees but started selling to all consumers a few decades ago.
You do have to be an AAA car insurance member to purchase their auto insurance. That membership does provide some extra benefits that might be attractive to many vehicle owners. For example, here are some of the benefits of membership:
- You get roadside assistance
- There are a variety of discounts at hotels, restaurants, and attractions
- They offer a locksmith service
Geico is known as a direct, no-frills company with competitive rates. However, you can also choose to add roadside assistance to your policy with this company for an extra charge.
Both companies cover the basics, but how they deliver matters. For instance, AAA bundles benefits for travelers, while Geico focuses on digital convenience.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
This includes services like towing and flat tire changing, but it does not include all of the other member discounts. Discover whether Geico or AAA car insurance fits your budget by entering your ZIP code now.
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Frequently Asked Questions
How do you compare AAA vs. Geico Reddit discussions for car insurance insights?
You can explore AAA vs. Geico Reddit threads to see real driver experiences on claims, pricing, and customer service, but always verify facts with current quotes. See how long a car insurance claim takes to process when you file everything correctly.
Should you consider Geico vs. AAA home insurance for bundling your policies?
Yes, comparing Geico vs. AAA home insurance can help you find better bundling discounts, especially if you’re already using one for auto coverage.
Why might Geico car insurance be a good fit for you?
Geico car insurance starts at around $43 per month for minimum coverage and is ideal if you prefer low-cost, digital-first service with customizable add-ons.
Is AAA vs. Geico roadside assistance on Reddit a helpful resource for you?
Yes, checking AAA vs. Geico roadside assistance on Reddit can help you decide which provider gives better value based on real-time towing and lockout experiences.
What benefits can you expect from Geico insurance?
Geico insurance offers competitive monthly rates, strong digital tools, and optional perks like mechanical breakdown coverage for extra peace of mind. Understand how the average car insurance rates in the U.S. apply to your state and how to find savings based on your profile.
Why should you consider AAA insurance over others?
AAA insurance includes roadside assistance and travel discounts in membership, making it a strong option if you value bundled services beyond basic coverage.
How can you get a Geico insurance quote quickly?
You can get a Geico insurance quote online in minutes by entering your ZIP code and comparing rates starting as low as $43 per month.
What makes AAA vs. Geico renter’s insurance worth comparing for you?
Comparing AAA vs. Geico renter’s insurance helps you see which policy offers better personal property protection, liability coverage, and monthly savings.
What should you consider when comparing AAA vs. Esurance for car insurance?
When comparing AAA vs. Esurance car insurance, you’ll find AAA includes roadside assistance with membership, while Esurance focuses on digital tools and often lower monthly premiums.
Is Geico vs. AAA auto insurance a close comparison for your needs?
Yes, Geico vs AAA auto insurance is a strong comparison if you want to weigh digital convenience and low rates from Geico against AAA’s membership perks and bundled roadside coverage.
How does Geico Emergency Road Service vs. AAA stack up for your roadside needs?
Geico Emergency Road Service is cheaper and can be added to your policy, but AAA provides broader roadside benefits through membership, including towing, battery service, and travel discounts. Uncover your best Geico vs AAA car insurance rate by entering your ZIP code into our free quote comparison tool.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
