Compare AAA vs. GEICO Insurance

Get affordable car insurance quotes from top companies like AAA and GEICO

AAA and GEICO are well known for providing exceptional coverage and discounts. AAA offers a larger number of discounts than GEICO. But some of the discounts GEICO does offer are the most popular among drivers.

GEICO is financially stronger than AAA and is superior in terms of J.D. Power ratings. AAA’s roadside service has GEICO’s beat. It provides more than just a toll-free number and access via a mobile app.

Best If/Worst If

  AAA GEICO
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
 GEICO
  • You want great customer service and low premiums
Worst If AAA
  • You constantly need service calls. AAA only provides four service calls per cardholder per year. Anything beyond that costs extra
 GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)

Special Car Insurance Discounts

AAA GEICO
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
 GEICO

GEICO offers a number of discounts for auto, truck, and motorcycle insurance. 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

Compare Insurance Prices

Comparing quotes is the best way to get your lowest rates from top insurers like AAA and GEICO. QuoteWizard is an independent company that helps you find your right policy at your best rate.
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Standard Car Insurance Discounts

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

Consumer Complaint Data

AAA Car Insurance GEICO Auto Insurance
2016 144
2015 283
2014 267
2013 188

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

AAA GEICO
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

 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 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.

Roadside Assistance

AAA GEICO
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
 GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic 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

You can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411.
Visit GEICO's roadside service website 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 help even if you're not sure where you are.