GEICO and USAA are top companies in the auto insurance industry. 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.
Best If |
GEICO
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USAA
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Worst If |
GEICO
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USAA
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GEICO
GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:
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USAA |
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 |
GEICO Auto Insurance | USAA Car Insurance | |
---|---|---|
2016 | 144 | 245 |
2015 | 283 | 415 |
2014 | 267 | 380 |
2013 | 188 | 270 |
GEICO Auto 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 |
GEICO Auto Insurance | USAA Car Insurance | |
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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 |
GEICO Auto Insurance | USAA Car Insurance | |
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A.M. Best | A++ | A++ |
Moody's | Aa1- | Aaa |
S&P's | AA+ | AA+ |
GEICO
The GEICO Mobile Appprovides customers easy access to their insurance policies. Its features include:
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USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
GEICO
GEICO Roadside Assistance With Emergency Road ServiceGEICO 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
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 NumberYou can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411. 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. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |