Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

Car insurance companies compete for your attention with goofy commercials and cheeky mascots in an effort to seem friendly and approachable, but the methods they use to determine your car insurance rates are anything but. That makes finding the cheapest car insurance complicated, but we’re here to help. We collected annual rates from the country’s 10 largest car insurance companies and broke them down by some of the factors insurance companies use to determine how much you’ll pay. Geico and American family are two major players when it comes to car insurance, so if you’re looking for a new auto insurance policy, you need to look at what each has to offer.

American Family

  • Low rates overall compared to most rivals
  • Lower rates than Geico for women
  • Customers are generally happy with customer service
  • Higher rates than Geico for most groups
  • Low satisfaction with filing a claim and claims process
  • Ranked last in our study of the largest auto insurance companies

Geico

  • Very low rates for most consumers
  • Generally lower rates than American Family for most demographics
  • Customers are generally satisfied
  • Customers say it’s easy to file a claim
  • Mediocre communication during claims process
  • About a third of customers are unhappy with value

American Family vs. Geico: Which Is Cheaper?

Overall, most consumers will pay less with Geico than with American Family. Geico has a national average rate of $3,215, while American Family comes in at $3,443. That said, both companies are among the least expensive options. Only USAA has lower national average rates than Geico, but USAA is available exclusively to military personnel, veterans, and their spouse and children. State Farm comes in just behind Geico and ahead of American Family. And, as you’ll see as you keep reading, there are many factors that affect insurance rates, which means you'll likely pay something different than the national average rate.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

We also surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

American Family Auto Insurance Information

American Family, originally known as Farmers Mutual Insurance Company, was founded in Wisconsin in 1927 to provide auto insurance specifically to farmers in rural areas. Over the years, the company added other types of personal and commercial insurance policies to its portfolio and changed its name to American Family in the 1960s to reflect its broader product offerings.

Though American Family provides competitive rates, customers say that service is lacking in a few key areas, which is why the company finishes last in our rankings of the 10 biggest auto insurance companies. Survey respondents gave American Family the lowest marks of all competitors when it came to claim status updates and claim satisfaction. Furthermore, many American Family customers said they’re unlikely to recommend the company and were considering switching to a competitor instead of renewing their policy.

Geico Auto Insurance Information

Geico, which was founded in Texas in 1936, started out catering to members of the military and federal employees. In 1964, the company wrote its millionth insurance policy, though it was still years away from the cheeky advertising campaigns that helped make Geico a household name. As of 2016, Geico is the second-largest insurance company in the United States, behind State Farm, and it’s the fourth-ranked insurance company in our study.

Many of the Geico customers who participated in our study described the company as reliable and easy to work with, though some said they felt rates were too high or the company provided a poor value. However, Geico’s rates were among the lowest in every demographic examined in our study.

American Family and Geico Car Insurance: Which Is Cheapest for Teens?

Company

Single 17-year-old female

Single 17-year-old male

American Family

$5,996.50

$8,130.50

Geico

$5,653.55

$6,278.96

Parents who have a teen driver on their auto insurance policy probably understand the importance of shopping around. There are two general assumptions you can safely make for this group: Teen drivers are charged some of the highest rates out there, and teen males generally pay higher rates than teen females. Geico has among the cheapest rates in the study for both groups and is considerably cheaper than American Family, particularly for males. Geico’s average rate for 17-year-old males is $6,279, and American Family customers should budget for about $8,131. Geico’s rate for females in this age group checks in at $5,654, undercutting American Family’s rate of $5,997.

Geico and American Family both offer discounts to students who maintain a good grade point average, and American Family also provides discounts for students who live away from home or spend time volunteering.

American Family and Geico Car Insurance: Which Is Cheapest for Men?

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

American Family

$2,694.72

$2,224.31

$2,014.38

Geico

$2,262.87

$2,312.38

$2,283.45

Age is one of the biggest factors in determining car insurance rates, and even though your insurance company won’t explain exactly how age factors into their algorithms, you can still get an idea of how your youth or experience will affect your premiums. While American Family’s rates go down steadily as customers age, Geico’s rates fluctuate. And, while Geico’s rates for men start out lower than American Family’s rates, men may be better off with American Family as they get older. Let’s take a closer look.

At age 25, men will pay an average of $2,263 with Geico, while American Family customers will pay an average of $2,695. American Family charges an average of $2,224 for 35-year-old men, while Geico’s nationwide average rate increases to $2,312, making American Family the better choice for that group. For 60-year-old men, American Family still has an advantage, coming in at $2,014, while men in this group pay about $2,283 with Geico.

American Family and Geico Car Insurance: Which Is Cheapest for Women?

Company

Single 17-year-old female

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

American Family

$5,996.50

$2,288.65

$2,202.70

$1,992.92

Geico

$5,653.55

$2,378.89

$2,302.89

$2,247.06

Next, we’ll consider female drivers in the same age groups as the men we just looked at. Rates from both companies go down as customers get older, and American Family’s rates are lower than Geico’s rates for all three groups.

American Family’s national average rate for 25-year-old women is $2,289, while Geico’s rate comes in slightly higher at $2,379. For 35-year-olds, American Family charges $2,203 and Geico charges $2,303, or about $100 more. Upon reaching age 60, women can expect to pay about $1,993 with American Family, which is one of the lowest rates in the study for this group. Geico’s national average rate is $2,247.

American Family and Geico Car Insurance: Which Is Cheapest for High Mileage?

Company

12,000 miles annually

American Family

$3,484.88

Geico

$3,267.37

Another factor that may affect your auto insurance rate is the number of miles you rack up in a year, the theory being that the more you’re on the road, the more opportunity there is for something to go wrong. First, we’ll look at the rates for the high-mileage group, defined as 12,000 miles annually. Geico’s nationwide average rate for this group – $3,267 – is the second-lowest in the study, behind USAA. American Family, coming in at $3,485, is also a good choice.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

American Family and Geico Car Insurance: Which Is Cheapest for Low Mileage?

Company

6,000 miles annually

American Family

$3,401.30

Geico

$3,162.64

Some companies will cut you a break if you drive a lot less than average, but you probably won’t save as much as you think. The study examined average rates for auto insurance customers who drive 6,000 miles a year. Geico’s national average rate of $3,163 for this group is the second lowest of the major insurance companies, trailing only USAA, although you’ll only save about $100 compared to drivers who rack up twice the miles. American Family’s rate for this group comes in at $3,401, still on the low side, but only about $60 less than the rate for the higher-mileage group of customers.

American Family and Geico Car Insurance: Which Is Cheapest for Good Credit?

Company

Good Credit

American Family

$2,691.74

Geico

$2,434.82

If you have a good credit score and history, you’ll probably be rewarded with some of the lowest available auto insurance rates. If you’re wondering why credit history matters to car insurance companies, it’s because drivers with good credit are perceived as more responsible overall and less likely to take risks behind the wheel. Our data show that Geico and American Family are both good auto insurance companies for drivers with good credit. Geico’s average national rate for this group is $2,435, and American Family comes in next with a rate of $2,692.

American Family and Geico Car Insurance: Which Is Cheapest for Bad Credit?

Company

Poor Credit

American Family

$4,467.98

Geico

$4,259.50

If you have a low credit score or a bad credit history, it’s likely that you'll pay higher car insurance premiums than if you had good credit. That's because auto insurance companies think customers with bad credit are a higher risk, so they charge more to offset that risk. If your credit history is on the fair or poor side, American Family and Geico are among your best options. Geico comes in at $4,260, with American Family just behind with a national average rate of $4,468.

American Family and Geico Car Insurance: Which Is Cheapest for Good Drivers?

Company

Clean driving record

American Family

$2,693.61

Geico

$2,145.96

How does your driving history affect your auto insurance rates? We looked at national average rates for drivers with a clean record and drivers with a variety of moving violations to see how those offenses affected prices and what customers can expect to pay. In general, drivers with a clean record are in good shape with Geico, which charges a national average rate of $2,146 for this group. That's the second-cheapest of the top 10 car insurance companies. American Family’s national rate for good drivers is $2,694, which is still pretty good and among the least expensive rates in the study for this group.

American Family and Geico Car Insurance: Which Is Cheapest After a Speeding Ticket?

Company

With 1 speeding violation

American Family

$3,025.74

Geico

$2,645.43

Since we just looked at rates for drivers with a clean record, it’s time to examine what happens if your driving history has racked up some demerits. Speeding tickets are one of the fastest ways, no pun intended, to make your auto insurance rates go up. Even after you’ve coughed money up for fines, fees, and court costs, you’ll likely pay for that ticket for years. The good news is that American Family and Geico are both among the most affordable insurance options for drivers with a single speeding ticket. Geico has an advantage here with a national average rate of $2,645, which is the cheapest in the study aside from USAA. American Family comes in at $3,026, higher than Geico but still one of the better choices overall.

American Family and Geico Car Insurance: Which Is Cheapest After an Accident?

Company

With 1 accident

American Family

$3,722.75

Geico

$3,192.77

Car accidents are almost certain to make your car insurance costs go up, so the study looked at each company’s national average rate for drivers with a single accident. Geico is the better choice for most consumers in this situation, with the second-lowest average rates in the country: $3,193. These rates are second only to USAA, which again, is not available to most consumers. American Family’s national average rate of $3,723 comes in about midpack.

American Family and Geico Car Insurance: Which Is Cheapest After a DUI?

Company

With 1 DUI

American Family

$4,330.24

Geico

$4,875.87

Drivers whose records are marred by a single instance of driving under the influence, or DUI, are probably better off with American Family than with Geico. Both companies land about midpack when compared to the other auto insurance companies in our study, but American Family’s national average rate indicates that it’s a better pick. American Family comes in at $4,330, while Geico comes in at $4,876.

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The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the best car insurance companies and learn about what real customers say about American Family, Geico, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.