Key Summary

• Geico Car Insurance is available in all states including Washington, D.C. while AAA Insurance has a network of agents whose availability varies from state to state.
• Geico offers excellent value with the minimum required coverage but very few add-ons. Geico is cheaper than the national average for car insurance.
• To qualify for AAA’s car insurance, at least one driver on the policy must be a AAA member.
• For a discount perspective, GEICO remains unbeatable with the most discounts offered.

AAA Car Insurance Vs Geico : Pros and Cons

AAA Car Insurance vs Geico Overview

About AAA Car Insurance

AAA (American Automobile Association) is a federation of motor clubs offering members a variety of services and benefits, such as discounts on shopping and entertainment, travel planning, loans, insurance, DMV assistance, and roadside support.

To qualify for AAA’s car insurance, at least one driver on the policy must be a AAA member. Purchasing a membership not only grants access to insurance but also unlocks all of AAA’s other perks.

Because AAA operates through regional motor clubs, coverage options and discounts may differ depending on your location and the specific club serving your area. That said, AAA provides all standard auto insurance coverages, such as liability, uninsured/underinsured motorist protection, collision, comprehensive, personal injury protection (PIP), and MedPay. Some regions may also offer optional add-ons like rental car reimbursement, gap insurance, and full glass coverage.

Additionally, AAA offers multiple discounts to help lower premiums, including savings for good students, completing driver training, loyalty, insuring multiple vehicles, bundling policies, and purchasing coverage in advance.

About Geico Car Insurance

Geico ranks fourth in our list of top auto insurers, earning a 4.5 out of 5 overall. The company performs well in customer satisfaction (4.8/5) and affordability (4.1/5). Our customer sentiment score reflects Geico’s service ratings from consumer surveys and its NAIC Complaint Index score, which measures complaints relative to its market share.

Our pricing analysis shows that Geico’s rates are competitive, with the fifth-lowest average premium overall and costs below the national average for most driver profiles. Notably, it offers lower rates for high-risk groups, such as teen drivers and those with poor credit, who typically face much higher premiums with other insurers.

While Geico provides standard auto insurance coverages, its selection of optional add-ons is more limited than some rivals. However, it does include roadside assistance, rental car reimbursement, and a unique offering mechanical breakdown insurance, which isn’t widely available from competitors.

AAA Auto insurance Vs Geico by States

Geico

GEICO ranks as the third-largest auto insurer in the U.S., famous for its competitive rates and direct-to-consumer sales via online platforms and phone services. The company operates nationwide, offering coverage in all 50 states and Washington, D.C.

AAA Auto Insurer

Our analysis focused on the top three AAA auto insurance providers in the U.S., ranked by market share.

*Note that Insurers may not cover all counties in each state.

Geico Car Insurance Cost

Geico offers full coverage car insurance for an average of $2,004 per year, about 12% cheaper than the national average of $2,290, according to NerdWallet’s June 2025 analysis.

Company	Full coverage	Minimum coverage
Allstate	$2,961	$733
American Family	$2,139	$690
Farmers	$3,863	$1,174
GEICO	$2,004	$482
Nationwide	$2,728	$962
Progressive	$2,155	$635
State Farm	$2,169	$497
Travelers	$1,709	$538
USAA*	$1,464	$371

*USAA is only available to military, veterans and their families.

These quoted rates apply to a 35-year-old driver with full coverage insurance (including liability, comprehensive, collision, and any state-required coverage), a clean driving record, and good credit.

Keep in mind your actual premium will be personalized based on factors like your specific driving history, vehicle make and model, geographic location, and other individual considerations.

For a detailed breakdown of how rates may change in different scenarios (including after an at-fault accident or DUI violation) refer to the comparison table below.

Minimum Coverage Car Insurance With Geico

The minimum coverage car insurance with Geico cost $723 with the national average of $623. Opting for minimum coverage means you will only carry your state’s legally-required protection. While GEICO’s average annual rate for this basic coverage is 24% below the national average, it’s important to weigh the trade-offs.

Driver profile	Company average rate	National average rate
Minimum coverage	$733	$623
Full coverage	$2,961	$2,290
One speeding ticket, good credit	$3,708	$2,909
One at-fault crash, good credit	$4,630	$3,400
One DUI, good credit	$4,333	$4,272
Clean driving record, poor credit	$4,450	$3,792

Lower premiums come with reduced financial safeguards, meaning you could face significant out-of-pocket expenses after a serious accident. We recommend evaluating your individual needs and considering enhanced coverage options for more complete protection on the road.

How Much Is Full Coverage With Geico?

A full coverage policy combines your state’s required insurance with collision and comprehensive protection. While this expanded coverage offers greater financial security, it does come at a higher premium. GEICO makes this enhanced protection more accessible, with average full coverage rates 12% below the national average : $2,092 vs. $2,386 annually.

Coverage Breakdown:

The minimum coverage meets only your state’s basic liability requirements. But, full coverage includes:

• $100,000/$300,000 bodily injury liability
• $100,000 property damage liability
• Comprehensive & collision ($500 deductible)
• $100,000/$300,000 uninsured/underinsured motorist coverage
• All state-mandated protections

Important Considerations:

• Higher coverage limits mean better protection but increased premiums
• Some states prohibit using gender or credit information in rate calculations
• Your actual premium may vary based on individual factors and state regulations

AAA Auto Insurance Coverage

AAA provides the standard auto insurance coverages found with most insurers, but availability may differ by state.

Liability (bodily injury and property damage)

Nearly all states mandate liability car insurance, which consists of two key components: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses for people injured in an accident you cause, while property damage liability pays for repairs to others’ vehicles or property you damage.

Additionally, this coverage may help with legal defense costs if you’re sued after causing a collision. These protections ensure that drivers can cover costs they might owe to others after being at fault in an accident.

UM/UIM Insurance: Coverage for Uninsured and Underinsured Drivers

In addition to liability insurance, many states require uninsured/underinsured motorist (UM/UIM) coverage. This protection helps pay for your medical bills if you’re hit by a driver who either has no insurance or insufficient coverage. Depending on the state, UM/UIM may also extend to property damage, ensuring you’re financially protected even when the at-fault driver cannot cover the costs.

Comprehensive

If you’re financing or leasing your vehicle, your lender or lessor will likely require comprehensive coverage. This insurance helps cover the cost to repair or replace your car if it’s damaged or totaled in incidents other than collisions, including theft, vandalism, fire, extreme weather, falling objects, animal strikes, and even windshield damage.

Collision

Although not mandated by state law, collision coverage is typically required by lenders and lessors for financed or leased vehicles. This coverage helps pay to repair or replace your vehicle if it’s damaged in an accident where you’re at fault—whether from colliding with another car, hitting an object like a telephone pole, or experiencing incidents like rollovers or pothole damage.

Medical expense insurance (MedPay)

Medical Payments Coverage (MedPay) is mandatory in just a handful of states but available as optional coverage in most others. Similar to Personal Injury Protection (PIP), MedPay helps pay for medical bills for you and your passengers after an accident, no matter who was at fault. However, unlike PIP, MedPay does not cover additional costs like lost wages or rehabilitation expenses.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) is mandatory in certain states while optional in others. This coverage helps pay for medical expenses for you and your passengers after an accident, regardless of who was at fault. PIP may also provide compensation for additional expenses like lost wages and essential services.

! Important To Know

When you’re searching for car insurance, it’s important to know what coverage you want and what you must purchase. For instance, many states require a minimum level of car insurance to drive. On the flip side, if you want more extensive protection, you might be interested in full coverage insurance. Look into the most common types of car insurance coverage to understand how they work.

AAA insurance is offered by independent companies in different states, so coverage options vary depending on your location. While all insurers must provide state-mandated minimum coverage where they operate, most of them (including the three AAA affiliates we reviewed) also offer additional protections such as uninsured motorist coverage, medical payments coverage, comprehensive coverage, and collision coverage

When you explore AAA insurance options, consider asking about these additional coverages, available through at least some AAA providers:

• Gap Insurance : Covers the difference between your car’s actual value and the remaining loan or lease balance if your vehicle is totaled or stolen.
• OEM Exterior Repair Coverage : Pays for original manufacturer parts (rather than aftermarket parts) for covered body repairs.
• Rideshare Insurance : Provides continuous coverage while driving for a rideshare service, filling gaps in the limited protection typically offered by rideshare companies.
• Enhanced Total Loss Replacement : Replaces your totaled vehicle with a brand-new model of the same kind after a covered accident.

AAA Car Insurance vs Geico Discounts

AAA Car Insurance Discounts

All AAA motor clubs provide car insurance discounts to help members save on premiums. While specific offers may vary by branch, here are some common discounts available:

• Multi-Policy Discount: Save by bundling multiple insurance policies with AAA.
• Multi-Vehicle Discount: Insure more than one car under the same policy for potential savings.
• Group Affinity Discount: Members of qualifying organizations may receive reduced premiums.
• Loyalty Discount: Long-term AAA customers may be eligible for this reward.
• Good Driver Discount: Maintain a clean driving record (no at-fault accidents or violations) to qualify.
• Verified Mileage Discount: Low-mileage drivers could be eligible for this discount.
• Student Away Discount: If a student on your policy lives away from home (e.g., at school), you may save.
• Good Student Discount: Students who maintain a strong GPA may qualify for this discount.
• Driver Training Discount: Complete an approved driver training program for potential savings. Some branches also offer discounts for teens who complete the teenSMART program.
• AAA Member Discount: Savings for simply being a AAA member.
• Advance Purchase Discount: Buy your policy early (before your current one expires) to potentially qualify.
• Multi-Policy Discount: Bundle multiple insurance policies with AAA for added savings.
• Loyalty Discount: Long-standing AAA customers may receive this benefit.

Note: Discounts vary by state and branch. Contact your local AAA office to confirm available savings in your area.

Geico Car Insurance Discounts

GEICO is the leader in car insurance discounts.

GEICO ranks as the top car insurance provider for savings, offering an unmatched variety of discounts. While availability varies by location, policyholders can take advantage of the following savings opportunities:

Vehicle Safety & Feature Discounts

✔ Airbag
✔ Anti-lock brakes
✔ Anti-theft system
✔ Daytime running lights
✔ New vehicle

Good Driving & Behavior Discounts

✔ Five-year accident-free good driver
✔ Seat belt use
✔ Defensive driving course
✔ Driver’s education course

Loyalty & Multi-Policy Savings

✔ Multi-vehicle
✔ Multi-policy
✔ Pay in full

Exclusive Military & Membership Discounts

✔ Federal employee (Eagle Discount)
✔ Membership and employee discounts
✔ Emergency deployment* – Save up to 25% when deployed to an imminent danger zone
✔ Military discount** – Active duty, veterans, National Guard, and Reserves members can save up to 15%

*For active-duty military members.
**Applies to certain coverages.

With this extensive selection of discounts, GEICO makes it easier than ever to lower your premium while maintaining excellent coverage.

AAA Car Insurance Complaints and customer satisfaction

We analyzed consumer complaint data for the three AAA-affiliated auto insurance companies mentioned earlier.

Based on three years of data from the National Association of Insurance Commissioners, Auto Club Group and CSAA Insurance Group had a complaint volume roughly in line with expectations relative to their market size. Meanwhile, Auto Club of Southern California recorded fewer auto insurance complaints than anticipated.

In J.D. Power’s 2024 U.S. Insurance Shopping Study, Auto Club of Southern California ranked 2nd out of 17 insurers for overall customer satisfaction. Auto Club Group placed 7th, while CSAA came in 10th.

Additionally, in a our conducted in June and July 2024, AAA received an overall satisfaction score of 77 out of 100 from its customers. For context, the average across 11 insurers was 79, with the highest score being 81.

Is GEICO a good insurance company?

GEICO’s Industry Standing & Performance

Ranking #4 out of 10 major insurers, GEICO outperforms competitors like Progressive, Nationwide, and Farmers in our comprehensive evaluation. Only three providers rank higher: Travelers, USAA (available exclusively to military members, veterans, and their families), and American National.

Key Insights:

• Customer Service: GEICO delivers mid-tier performance among reviewed companies
• Coverage Options: Scores 2.9/5 for policy features, limited by fewer optional add-ons compared to top competitors
• Competitive Position: Maintains strong standing above 60% of rated insurers while offering competitive pricing

This balanced assessment highlights GEICO as a solid choice for budget-conscious drivers who prioritize affordability over extensive customization options. While its coverage menu may be more limited, its overall value proposition keeps it firmly in the top half of providers.

How To Get a Quote for AAA Car Insurance ?

You can request a AAA quote online by following these steps:

First, determine which AAA auto club covers your location and visit their website. Then, complete the online form with details about yourself, your vehicle, and any additional drivers on your policy.

If you need assistance, AAA’s network of agents is available to guide you through the process.

AAA Car Insurance And Geico Alternatives

Auto-Owners Overview

If you’re in one of the 26 states where Auto-Owners offers car insurance, it’s worth considering. Auto-Owners stands out with a low NAIC complaint index and a top AM Best rating for financial strength. Young drivers and teens should particularly take note, as the company provides three types of student discounts and competitive rates for drivers under 25. However, even drivers over 25 can find attractive deals with Auto-Owners.

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Is Auto-Owners worth it?

Yes, auto-owners worth it for

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Auto-Owners Features

Auto-Owners provides an impressive range of over a dozen discount opportunities, which is particularly notable for a regional insurer. Drivers can save by requesting a quote before their current policy expires or by choosing paperless billing and payment options.

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Auto-Owners Features

Auto-Owners provides an impressive range of over a dozen discount opportunities, which is particularly notable for a regional insurer. Drivers can save by requesting a quote before their current policy expires or by choosing paperless billing and payment options.

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NationWide overwiew

Nationwide car insurance could be a great choice for drivers who value customizable policies and affordable rates. Our review of Nationwide found that the company offers unique coverage options, like accident forgiveness and a vanishing deductible, which may not be available from other insurers. However, the availability of these features can vary based on your location and state regulations. Nationwide received a 4.0 out of 5.0 score from 1Financially.

In addition to standard car insurance, Nationwide provides coverage for classic cars through its partnership with Hagerty. This is ideal for owners of antique, classic, and muscle cars, though it’s worth noting that Hagerty also offers coverage for collector motorcycles, scooters, classic military vehicles, and even retired commercial vehicles.

Nationwide car insurance isn’t available in every state. It is offered in 46 states and Washington, D.C., but drivers in Alaska, Hawaii, Louisiana, and Massachusetts cannot access coverage. The limited availability and lack of 24/7 customer service contributed to Nationwide’s lower scoring by 1Financially.

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Is NationWide Car Insurance worth it?

Yes, Nationwide car insurance worth it.

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NationWide Features

Nationwide offers a range of features designed to provide flexibility and value for drivers.

Notably, they offer accident forgiveness, which prevents your first accident from impacting your premium, and a vanishing deductible, which reduces your deductible over time as you remain claim-free. These features, however, may be subject to availability depending on your location and state regulations.

Nationwide also provides coverage for classic, antique, and muscle cars through its partnership with Hagerty, which includes protection for collector motorcycles, scooters, classic military vehicles, and retired commercial vehicles.

Additionally, Nationwide’s policies come with options for customizing coverage based on individual needs, such as roadside assistance and rental car coverage.

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NationWide Insurance Availability

Not available in all states.

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