USAA and Geico both provide standard coverage that should meet the needs of most drivers, at competitive rates with exceptional customer service.
Costs may depend on several factors such as your age, driving history and credit score. Bundling policies together and agreeing to use a telematics device could save money as well.
USAA provides reliable yet cost-effective auto insurance solutions to military families at rates starting from $22 per month for comprehensive coverage.
Cost
Geico offers competitive car insurance rates with a variety of discounts, but its rates tend to be lower in most states than USAA’s rates for drivers with clean records. Furthermore, J.D. Power and NAIC both rate it higher on customer satisfaction ratings than USAA; both receive high marks from WalletHub ratings.
Both companies provide an array of discounts, such as multiple policy discounts, safe driver discounts and accident forgiveness. Both also have excellent financial ratings and user-friendly websites; with USAA catering specifically to military personnel and their families while GEICO caters to more people in general.
No matter which insurance provider you choose, both offer exceptional auto coverage for vehicles of all makes and models. They also offer other policies like homeowner and renter’s policies with flexible payment plans and online access for added convenience.
USAA and GEICO both boast outstanding customer service; however, USAA outshines them both with an industry-leading 4.7 customer satisfaction score. USAA provides many customer benefits such as an easy claims process, online premium payments, 24/7 support services and vehicle valuation as well as replacement options.
Coverage
Cost should not be the sole consideration when selecting an auto insurer; many other aspects such as type of vehicle driven and driving record are also taken into account when providing rate quotes. Both companies also provide comprehensive and collision coverage options as well as liability and medical expense cover to provide comprehensive insurance policies at an affordable cost.
USAA and GEICO both offer highly competitive auto insurance policies at competitive rates, provided you qualify. However, each has different coverage options and customer service practices; USAA only serves current and former military members and their families while GEICO offers comparable policies for nonmilitary drivers with excellent customer satisfaction ratings.
USAA and GEICO don’t quite score as highly in customer satisfaction ratings when it comes to car insurance policies, but both offer exceptional discounts and user-friendly online services. Both offer mobile apps to manage policies quickly on the go while USAA’s tools tend to be less user-friendly than GEICO’s tools.
No matter your preference, both companies should be taken seriously. MoneyGeek conducted an analysis between USAA and GEICO that revealed they are cheaper in some states; specifically eight are where GEICO was cheaper, while 46 were cheaper with USAA being the more favorable choice based on specific location regulations and rules regarding auto insurance coverage. The price difference will depend upon your own personal location as well as state laws surrounding car coverage.
Telematics
Geico and USAA provide drivers with a range of insurance options tailored to their unique needs, with premium cost being an important factor for most. Both companies offer competitive premium costs; however, prices for full coverage policies may differ significantly based on factors such as age, geographical location, marital status status history credit history or any number of other considerations.
Geico and USAA both offer robust mobile apps to help policyholders manage their accounts, file claims and request roadside assistance. Both also offer discounts for service members; reviews have praised them both in regards to claims handling and customer service; however, ratings vary between them slightly.
Telematics programs that track driving habits to reduce auto insurance rates have become increasingly popular, yet shoppers should understand how they work before signing on with one. According to Consumer Reports (CR), insurers don’t always explain clearly how they determine risk and reward factors. Geico’s DriveEasy program indicates this by looking at “smoothness” and “speed at cornering,” though Geico does not specify exactly how these calculations take place.
Both companies boast outstanding financial standing and consumer ratings, with GEICO being one of the more affordable car insurers and USAA offering military benefits. Both firms also boast exceptional customer service capabilities that allow them to process claims swiftly and fairly.
Customer service
GEICO and USAA both provide exceptional customer service, competitive rates, and comprehensive coverage; USAA caters exclusively to military members and their families while GEICO covers all drivers. Both offer discounts to maximize savings and are recognized by WalletHub as top picks – making either company an excellent choice for auto insurance protection.
Both companies boast A+ ratings from A.M. Best and have high levels of consumer satisfaction, but to find the ideal rates and coverage for you it’s essential to compare quotes online, by phone or at an office near you – then check reviews of both insurers in order to select one which best meets your needs.
USAA scored an above-average J.D. Power auto customer satisfaction score of 882 out of 1,000 while GEICO came in second at 757. Additionally, USAA outshone GEICO in terms of first notice of loss, rental experience and claims servicing.
GEICO boasts a lower National Association of Insurance Commissioners complaint index score than industry average; however, USAA may offer more coverage options. Furthermore, GEICO boasts excellent customer service and widespread availability across the country; their low rates contribute significantly to their renowned standing among car insurers.
