We went via on-line auto insurance coverage quotes with each AAA auto insurance coverage and GEICO and located that AAA was cheaper in our space. We additionally discovered that AAA offered extra add-on protection choices, together with new automobile and glass safety.
However GEICO had extra out there reductions, so that you would possibly discover it to be the cheaper choice for you relying on which reductions you qualify for. And even when GEICO’s not the cheaper choice, it may very well be value paying a bit extra for GEICO’s higher total buyer satisfaction scores.
Let’s dig into our AAA auto insurance coverage vs. GEICO overview to see which one makes extra sense for you.
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Table of Contents
Key takeaways
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Our AAA automobile insurance coverage quote ($1,744 for 12 months) was about $70 cheaper in comparison with GEICO ($1,811.38 estimated for 12 months).
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GEICO has 16 out there reductions in comparison with 10 from AAA.
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AAA offers extra add-on choices than GEICO, together with an car demise profit, full security glass, new automobile added safety, and unique producer (OEM) elements.
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GEICO had increased scores than AAA in 9 out of 11 areas for buyer satisfaction, based on J.D. Energy.
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Each corporations function in all 50 states and Washington, D.C.
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GEICO seems extra financially secure than AAA, based on AM Finest.
GEICO vs. AAA instance quote
GEICOAAA auto insurance coverageLocationVariety of autosVariety of driversAutomobiles owned, financed, or leasedMajor use of autos (commute, pleasure, or enterprise)Annual mileage
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Car 1: 9,000 – 9,999
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Car 2: 2,000 – 2,999
Bodily damageProperty harmUninsured/underinsured motorist bodily damagePrivate damage safetyComplete protectionCollision protectionFurther coveragesValue
$1,811.38 (estimated 12 months)
Our verdict
AAA is the cheaper choice based on the quotes we acquired, however the costs had been pretty shut. Based mostly on the data we offered, you possibly can save about $70 by selecting AAA over GEICO. Nevertheless, these quotes range by location and out there reductions, so that you would possibly see totally different outcomes.
We tried to maintain every part between the 2 quotes as comparable as attainable to make it a good comparability. This included including all the similar data, corresponding to gender, age, sorts of autos, marital standing, and potential dashing tickets and driving historical past.
Needless to say each quotes are estimates based mostly on the data offered and reductions are mechanically utilized in the course of the course of. We seen that GEICO requested extra questions than AAA, together with about schooling, authorities or navy affiliation, annual car mileage, employment standing, and extra.
The GEICO quote nonetheless ended up being costlier than AAA, nevertheless it looks like you may need just a few extra alternatives for reductions with GEICO.
It’s additionally essential to notice that the GEICO quote was for six months, whereas the AAA quote was for 12 months. We merely multiplied the GEICO value by two to account for the distinction in months, however we all know that’s simply an estimation. You’d should renew your GEICO coverage after six months and the value might go up or down.
Learn our full GEICO overview
Learn our full AAA overview
GEICO automobile insurance coverage
ExecsCons
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A great deal of reductions, together with for defensive driving and sorts of car tools
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Loads of protection choices and perks, together with accident forgiveness
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Simple-to-use web site and highly-rated cellular app
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Out there in all 50 states and Washington, D.C.
GEICO was based in 1936 and is at present one of many largest insurance coverage suppliers within the U.S., competing with the likes of State Farm, Allstate, Progressive, Liberty Mutual, and extra. GEICO is a Berkshire Hathaway firm that’s recognized for its GEICO Gecko promoting.
GEICO is without doubt one of the hottest and well-known automobile insurance coverage corporations within the U.S., and it usually has common or above-average buyer satisfaction scores. You possibly can usually discover many out there reductions with GEICO and buy all the predominant sorts of automobile insurance coverage protection, together with legal responsibility, complete, and collision.
Learn our full GEICO auto insurance coverage overview
AAA auto insurance coverage
ExecsCons
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Reductions for AAA members
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Reductions for bundling insurance coverage insurance policies
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A great deal of protection choices, together with loads of add-on insurance policies
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Out there in all 50 states and Washington, D.C.
AAA was based as an car affiliation in 1902 when 9 impartial motor golf equipment joined collectively. This observe continues at present, as AAA consists of dozens of various impartial organizations throughout the nation that serve over 61 million members.
You most likely know AAA for its roadside help program, nevertheless it additionally offers auto, residence, life, enterprise, and pet insurance coverage, in addition to residence safety programs along with many various kinds of on a regular basis reductions.
As a automobile insurance coverage supplier, AAA usually has common buyer satisfaction scores. It’s not as massive or well-known as GEICO, however you possibly can nonetheless get various kinds of reductions and all the predominant sorts of automobile insurance coverage protection (corresponding to complete and collision). AAA additionally tends to supply plenty of add-on insurance policies, corresponding to glass safety and new automobile protection.
Learn our AAA auto insurance coverage overview
Charges and reductions
We ended up getting a greater fee with AAA automobile insurance coverage ($1,744 for 12 months) in comparison with GEICO ($1,811.38 estimated for 12 months) after filling out on-line quotes with each corporations. That was after making the comparisons as honest as attainable by together with the identical protection limits and different related data.
However AAA wasn’t essentially that less expensive than GEICO, and we all know that automobile insurance coverage charges and reductions range by location and the data you present. So we suggest getting quotes from each corporations in the event that they’re out there in your space. That method, you will be certain you’re getting probably the most reasonably priced charges from the 2 suppliers.
GEICO reductions:
AAA reductions:
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AAA Membership Low cost
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AAA Membership Loyalty
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Auto Insurance coverage Loyalty
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Companion Dwelling
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Multi-Automotive
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Superior Buying
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Distant Pupil
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Good Pupil
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Fee Plan
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Teen Good
We did discover whereas going via the 2 on-line quotes that GEICO requested extra questions than AAA. Extra questions can usually imply you may have extra alternatives for reductions. And that’s precisely what we discovered when checking the automobile insurance coverage reductions on each web sites. GEICO has extra out there automobile insurance coverage reductions than AAA.
Each GEICO and AAA have bundling reductions and some student-related reductions. However GEICO additionally has reductions for various affiliations, car tools, having a clear driving report, and extra.
You would possibly be capable to save extra in your automobile insurance coverage premiums with GEICO in case you qualify for a few of its particular reductions that aren’t out there with AAA.
Protection and availability
Protection
Going via on-line quotes for GEICO and AAA, we had been capable of see they offered some of these protection:
GEICOAAABodily damage legal responsibilityProperty harm legal responsibilityUninsured/underinsured motorist bodily damageUninsured motorist property harmPrivate damage safetyWork loss profitUpgraded accident forgivenessComplete protectionCollision insurance coverageRoadside helpRental reimbursementMechanical breakdown insurance coverageCar demise profitFull security glassNew automobile added safetyUnique tools producer (OEM) elements
Each corporations present comparable sorts of automobile insurance coverage protection choices. This consists of typical sorts of protection, corresponding to legal responsibility, complete, and collision. The one areas the place there have been variations between GEICO and AAA had been with the add-on insurance policies.
For instance, AAA offered choices for glass, OEM elements, and new automobile protections. However you possibly can buy mechanical breakdown insurance coverage and upgraded accident forgiveness with GEICO.
You would get a type of roadside help protection with each corporations, which regularly consists of altering a flat tire or towing companies. However AAA advisable getting a AAA membership as a substitute of a automobile insurance coverage add-on as a result of it comes with extra companies. AAA memberships usually embody towing and locksmith companies, gas supply, and partial reimbursement for locksmith charges.
From our expertise, GEICO and AAA had been fairly evenly matched with their out there insurance policies, however AAA had extra add-on choices. Needless to say sure insurance policies or protection would possibly solely be out there in sure areas. For instance, the GEICO quote didn’t embody uninsured motorist property harm protection as a result of it wasn’t out there with collision protection in our state.
Notice about full-coverage insurance coverage
There’s no such factor as a “full protection” automobile insurance coverage coverage. That is usually a mixture of a number of insurance policies to offer you better protection. Frequent automobile insurance coverage insurance policies which can be bundled collectively to offer “full” protection embody legal responsibility, complete, and collision insurance coverage.
Availability
AAA is offered in all 50 states and Washington, D.C. GEICO can be out there in all 50 states and Washington, D.C, so there shouldn’t be any situation getting automobile insurance coverage from both supplier regardless of the place you reside within the U.S.
One distinction we bumped into with AAA is that it’s separated into dozens of various golf equipment, and every AAA membership has its personal web site. So your AAA expertise may very well be totally different relying on the place you reside.
Every AAA membership is an impartial group and covers a selected space, which may very well be a number of states, sure areas inside states, and even sure cities inside states.
That is totally different from GEICO, the place you’ll possible get the identical expertise regardless of the place you reside as a result of GEICO isn’t separated into dozens of various organizations.
Monetary power and scores
GEICOAAAAM FinestCSAA Insurance coverage Alternate:J.D. EnergyRanked increased in these areas:Ranked increased in these areas:Higher Enterprise Bureau (BBB)
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BBB ranking: A+
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Buyer ranking: 1.14/5
CSAA Insurance coverage Group:
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BBB ranking: A+
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Buyer ranking: 1.2/5
AM Finest Lengthy-Time period Issuer Credit score Rankings measure an organization’s means to fulfill long-term monetary obligations.
GEICO had the very best ranking attainable of “aaa,” whereas AAA had a excessive ranking of “a+”. This reveals that AM Finest considers GEICO to be extra financially secure than AAA, although each corporations are thought-about to be financially secure.
Notice
We used the AM Finest ranking for the CSAA Insurance coverage Alternate to indicate AAA’s total ranking, however CSAA Insurance coverage Alternate is an impartial firm throughout the AAA group.
The J.D. Energy 2022 U.S. Auto Insurance coverage Examine measured the general buyer satisfaction of automobile insurance coverage corporations inside 11 U.S. geographic areas. GEICO ranked increased than AAA in 9 of the 11 areas, displaying that prospects are usually extra glad with GEICO.
We additionally used the CSAA Insurance coverage Group when taking a look at BBB scores for AAA. Each GEICO and CSAA Insurance coverage Group acquired A+ BBB scores and equally low buyer overview scores. Buyer evaluations weren’t at all times about automobile insurance coverage as a result of each corporations present quite a lot of merchandise.
However GEICO had extra unhealthy buyer evaluations than CSAA Insurance coverage Group. That is possible as a result of AAA has totally different BBB pages for its totally different organizations. AAA has its evaluations unfold out between totally different membership pages, whereas the vast majority of GEICO evaluations are discovered on one web page.
Which firm do you have to select?
For those who’re apprehensive about value, then AAA auto insurance coverage had cheaper automobile insurance coverage than GEICO after we went via on-line quotes with each corporations. This doesn’t essentially imply it’s going to be cheaper for you, because it is determined by your location and different elements. However having pretty in contrast each suppliers, AAA was the cheaper choice in our space.
AAA additionally has an honest variety of reductions out there, together with reductions for members of the AAA roadside help program. So AAA auto insurance coverage may very well be a superb match in case you already use a AAA membership for roadside help and reductions on purchases.
AAA additionally offers extra add-on protection than GEICO, together with new automobile, OEM elements, and glass safety. However in case you’re keen on reductions, then GEICO has extra total reductions, which might prevent cash in the event that they’re out there to you.
For instance, we had no navy or authorities affiliation to place into our on-line quote, however you would possibly. And that would qualify you for that low cost, which we didn’t see on the AAA quote.
GEICO additionally has higher total buyer satisfaction scores than AAA, based on J.D. Energy. It’s essential to concentrate to buyer satisfaction scores and evaluations with automobile insurance coverage corporations as a result of they’re usually related to the claims course of.
You don’t need to have to make use of your auto insurance coverage coverage, however in case you do have to make use of it, you need the reassurance that it’s going to pay out the cash you want. And judging by the shopper satisfaction scores, GEICO is the popular choice for precise prospects.
Don’t neglect to comparability store
Comparability procuring is commonly one of the best ways to seek out the most cost effective automobile insurance coverage charges in your space. You possibly can usually evaluate auto insurance coverage charges between totally different suppliers by utilizing a web based market or by manually going via quotes your self on the corporate web sites or by calling in. Keep in mind to examine for all out there reductions from every insurance coverage supplier.
FAQ
Is AAA totally different from GEICO?
AAA is primarily referred to as a roadside help program, whereas GEICO is called an auto insurance coverage firm. However AAA additionally offers residence, life, and auto insurance coverage, in addition to residence safety programs, journey reductions, and extra. So whereas GEICO gives and focuses on insurance coverage, AAA offers all kinds of companies, together with insurance coverage merchandise.
Which firm is cheaper: GEICO or AAA?
It is determined by your particular state of affairs, together with your location and out there reductions. However AAA Auto Insurance coverage was cheaper by about $70 after we went via the web quote course of with each corporations. We tried to make it a good comparability by together with as a lot of the identical data as attainable, and AAA ended up being the cheaper choice for us.
Are you able to get GEICO with a bank card?
GEICO enables you to make insurance coverage funds utilizing a checking account, examine, debit card, bank card, or Apple Pay. You possibly can arrange computerized funds or make funds via your on-line account, via the GEICO cellular app, over the cellphone, by mail, or via your financial institution’s invoice pay service.
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GEICO vs. AAA: backside line
GEICO has extra out there reductions than AAA and may very well be the cheaper choice in case you qualify for any of the reductions. This consists of a number of car tools reductions and in addition a defensive driving low cost.
However AAA was the cheaper choice in our space after we selected comparable sorts of protection utilizing on-line quotes from each corporations. AAA is barely complicated as a result of there are dozens of various affiliated organizations nationwide, so your precise AAA expertise might range relying on the place you reside.
Total, it is sensible to check charges between all out there insurance coverage suppliers to seek out the most cost effective protection. Take a look at our finest automobile insurance coverage web page to see what’s out there in your space.
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