GEICO vs USAA
Side-by-side car insurance comparison based on rates across all available locations
GEICO
4.3Avg 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
USAA
4.9Avg Monthly
$94/mo
Best Rate
$50/mo
Best For
Military families
Top Discount
Loyalty 10%
Available In
11 locations
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Rate Comparison by State
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Pros & Cons
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
USAA
Detailed profile not yet available for USAA.
Which Should You Choose?
USAA is the cheaper option in 11 of 11 states where both insurers operate, saving an average of $18/month. GEICO is cheaper in 0 states.
USAA has a higher average customer rating (4.9/5) compared to GEICO (4.3/5). However, ratings can vary by state and coverage type.
GEICO is generally best for online savings, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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