American Family vs GEICO

Side-by-side car insurance comparison based on rates across all available locations

Lower Avg Rate

American Family

4.4

Avg Monthly

$79/mo

Best Rate

$60/mo

Best For

Great Plains families

Top Discount

KnowYourDrive 20%

Available In

9 locations

GEICO

4.3

Avg Monthly

$101/mo

Best Rate

$60/mo

Best For

Online savings

Top Discount

Good driver 22%

Founded

1936 · Chevy Chase, Maryland

Available In

50 locations

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Rate Comparison by State

American Family cheaper: 7GEICO cheaper: 2


Minnesota	$76/mo	$82/mo	American Family saves $6/mo
Kansas	$74/mo	$80/mo	American Family saves $6/mo
Nebraska	$72/mo	$78/mo	American Family saves $6/mo
Iowa	$70/mo	$76/mo	American Family saves $6/mo
South Dakota	$62/mo	$68/mo	American Family saves $6/mo
North Dakota	$60/mo	$66/mo	American Family saves $6/mo
Wisconsin	$78/mo	$80/mo	American Family saves $2/mo
Missouri	$92/mo	$86/mo	GEICO saves $6/mo
Colorado	$126/mo	$108/mo	GEICO saves $18/mo

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Pros & Cons

American Family

Detailed profile not yet available for American Family.

GEICO

Pros

✓Consistently among the lowest rates nationally
✓Award-winning mobile app and 24/7 online service
✓Wide range of discounts (good driver, military, multi-policy)
✓Strong financial stability — A++ AM Best rating

Cons

✗No local agent network — online and phone only
✗Gap and rideshare coverage not available in all states

Which Should You Choose?

American Family is the cheaper option in 7 of 9 states where both insurers operate, saving an average of $5/month. GEICO is cheaper in 2 states.

American Family has a higher average customer rating (4.4/5) compared to GEICO (4.3/5). However, ratings can vary by state and coverage type.

American Family is generally best for great plains families, while GEICO stands out for online savings. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a GEICO Quote

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American Family vs GEICO — FAQs

Is American Family cheaper than GEICO?

American Family is cheaper in 7 of 9 states where both operate. However, rates vary by location, so GEICO may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — American Family or GEICO?

American Family has an average rating of 4.4/5, while GEICO averages 4.3/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does American Family offer vs GEICO?

American Family's top discount is "KnowYourDrive 20%", while GEICO offers "Good driver 22%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from American Family to GEICO?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both American Family and GEICO to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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