Compare GEICO vs. American Family Insurance

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GEICO and American Family are two widely-successful insurance companies in the U.S. GEICO was founded in 1936, and American Family was founded in 1927. GEICO was rated the top auto insurer for 2016 and has excellent ratings for financial strength, J.D. Power, and the Better Business Bureau. It also offers good customer service and low premiums.

On the flip side, American Family was rated the #6 auto insurer of 2016, and has been well-liked for its additional coverage options. Still, GEICO has had issues with limited auto discounts, and American Family has received criticism for not serving more states than it currently does. 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

  GEICO American Family
Best If GEICO
  • You want great customer service and low premiums
American Family
  • You want many discount options or additional coverage
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

Special Car Insurance Discounts

GEICO American Family
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
American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Standard Car Insurance Discounts

Bundling Coverage Discounts GEICO American Family
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO American Family
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 GEICO American Family
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO American Family
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO American Family
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO American Family
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Car Insurance American Family Car Insurance
2016 144 33
2015 283 32
2014 267 18
2013 188 9

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance American Family Car Insurance
Overall Purchase Experience Below average Above average
Policy Offerings Average Above average
Pricing Average Above average
Local Agent Below average Above average
Call Center Representative Average --
Insurer Website Average --

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

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

Financial Strength Ratings

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

Mobile Apps

GEICO American Family
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.

American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Roadside Assistance

GEICO American Family
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.

American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).