Car insurance is a necessary expense, but you do have quite a few options to help you save money and get the most out of your premiums. Two of the best options for car insurance in the United States are USAA and GEICO. But which one is better, and can you take advantage of the savings they offer? Learn more about these two car insurance companies and how they compare.


geico or usaaAn important thing to keep in mind with USAA is that you must be eligible to be a member before you can get a car insurance policy with them. USAA is for members of the military and their families. If you or your spouse or parent are in the military, you can qualify for USAA coverage. You can also get USAA coverage if you were previously in the military but have retired or been discharged.

GEICO does not have such membership restrictions. If you have not been in the military or you do not have family in the military, USAA won’t be an option. In that case, GEICO is one of the best car insurance companies to go through for your policy.


USAA has some of the best rates in the industry. They will be much cheaper on car insurance than GEICO or any other car insurance company if you look at their base rate. With discounts, you may be able to get a cheaper overall price with GEICO. As a general rule, however, those who qualify for USAA car insurance policies have the lowest premiums. For most good drivers, USAA will be a couple hundred dollars cheaper per year, while bad drivers could pay as much as $1,000 per year more with GEICO.


Both USAA and GEICO have a number of discounts that help make car insurance more affordable. There are some discounts that are available with both USAA and GEICO. Both car insurance companies offer discounts for safe drivers, driver’s education such as defensive driving courses, and a good student discount. Both offer discounts for bundling coverage such as home and auto, and they both offer discounts for multi-car policies.

USAA does offer some discounts that GEICO does not. USAA offers discounts for having low mileage or based on where and how long you store your vehicle. They also offer discounts for family members, the longer you have a membership with USAA, and if you are active military. GEICO also, however, offers an active military discount.


In most surveys and studies, USAA is usually found to be the best company for car insurance. GEICO often falls within the top five car insurance companies, usually around spot three or four. Both are very good car insurance companies that offer reasonable rates and discounts, as well as excellent customer service and claims.

Ease of Filing a Claim

In surveys, USAA only narrowly beat GEICO in categories of ease of filing a claim. In fact, the two companies are very similar in how easy it is to file and process a claim. Both companies work hard to provide excellent customer service and fast claims processing. With GEICO, most claims are filed online, although you can file a claim over the phone. With USAA, you may be better off filing a claim over the phone. How you prefer to file claims and do business may make a difference in whether or not you go with USAA or GEICO. USAA offers a more personalized experience with agents and phone support, while GEICO offers more self-help and online options.

Customer Service

USAA policyholders are typically overwhelmed with the level of customer service that they receive from the car insurance company. Customer service excellence is one reason that USAA is one of the best car insurance companies out there. They offer personalized service, individual agents, and allow you to get all of your questions and concerns addressed easily. GEICO also has excellent customer service, although wait times are usually longer, there are no individual agents, and they encourage customers to do everything online.

Which is Better?

For those who are in or have been in the military and their families, USAA is usually the better choice. They offer the lowest rates, the most discounts, and the best customer service. For those who cannot qualify for USAA car insurance, GEICO is a great option. GEICO is one of the best car insurance companies for good drivers, with multiple discounts available, easy online administration of your account and policy, and good customer service when you need it. Overall, you cannot go wrong with either one of these car insurance companies. It all depends on what you qualify for and your personal preferences. If you like a one on one touch, USAA is the way to go. If you prefer self-service, go for GEICO.