Compare AIG vs. GEICO Insurance

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AIG and GEICO are both top companies in the insurance industry. AIG was founded in 1919, and GEICO was founded in 1936. AIG is well-liked for its wide selection of insurance products, not to mention it is ranked the #1 commercial insurer in the U.S. GEICO is also popular for its excellent customer service, affordable premiums, and stands as the #1 auto insurer for 2016.

Both companies have a lot of power, and have A-range ratings for financial strength. However, while AIG has issues with customer service, GEICO lacks some basic coverage options.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AIG GEICO
Best If AIG
  • You want a wide selection of insurance products
GEICO
  • You want great customer service and low premiums
Worst If AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult
GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)

Special Car Insurance Discounts

AIG GEICO
AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts

Standard Car Insurance Discounts

Bundling Coverage Discounts AIG GEICO
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AIG GEICO
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AIG GEICO
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AIG GEICO
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AIG GEICO
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AIG GEICO
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AIG Insurance GEICO Car Insurance
2016 11 144
2015 29 283
2014 22 267
2013 17 188

U.S. Auto Insurance Shopping Study (2016)

AIG Insurance GEICO Car Insurance
Overall Purchase Experience Below average
Policy Offerings Average
Pricing Average
Local Agent Below average
Call Center Representative Average
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AIG Insurance GEICO Car Insurance
Overall Satisfaction Average
First Notice of Loss Above average
Service Interaction Below average
Appraisal Average
Repair Process Below average
Rental Car Experience Among the best
Settlement Average

Financial Strength Ratings

AIG Insurance GEICO Car Insurance
A.M. Best A- A++
Moody's A1 Aa1-
S&P's A+ AA+

Mobile Apps

AIG GEICO
AIG GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Roadside Assistance

AIG GEICO
AIG GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.