Compare GEICO vs. USAA Insurance

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GEICO and USAA are top companies in the auto insurance industry. GEICO was founded in 1936, and USAA was founded in 1922. Both companies offer a wide range of driver discounts, but USAA especially shines across the board. It has superior financial strength ratings, top J.D. Power scores, and excellent customer satisfaction reviews.

GEICO has strong ratings and reviews as well, and offers affordable premiums. USAA’s only caveat is that it’s only available to military members and their immediate families. 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 USAA
Best If GEICO
  • You want great customer service and low premiums
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

GEICO USAA
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
USAA

Standard Car Insurance Discounts

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

Consumer Complaint Data

GEICO Car Insurance USAA Car Insurance
2016 144 245
2015 283 415
2014 267 380
2013 188 270

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance USAA Car Insurance
Overall Purchase Experience Below average Among the best
Policy Offerings Average Among the best
Pricing Average Among the best
Local Agent Below average --
Call Center Representative Average Among the best
Insurer Website Average Among the best

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

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

Financial Strength Ratings

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

Mobile Apps

GEICO USAA
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.

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance

GEICO USAA
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.

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.