Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

If you’re on this page, you’re probably shopping around for car insurance. That’s a smart idea because car insurance companies charge very different rates to similar drivers, and getting the best deal can potentially save you thousands. That’s especially true if you’ve recently married, gotten older, or added a teen driver to your policy; these are all factors that impact your rates.

Maybe you’re shopping for car insurance because you made a claim with your company and are unhappy with the service you received. That’s another smart reason to shop around, as not all car insurance companies are created equal.

To help you find the best car insurance company for you, we’ve gathered representative rates from the largest car insurance companies in the country. We’ve also collected feedback from customers who’ve made car insurance claims in the last five years about how their insurer treated them. We’re going to compare two large insurance companies, Geico and USAA. Both have some of the lowest rates in the industry, according to our study, but there are some key differences when it comes to customer service. Let’s dive in.

USAA and Geico Car Insurance Rates

When it comes to cost, USAA and Geico are both top choices. USAA is the cheapest of the national companies we studied, with an average overall car insurance study rate of $894.95. Geico is in the second-place slot with an overall average of $1,063.10. Those are both well below the national average study rate of $1,323.31 for the top auto insurance providers in our analysis.

This head-to-head comparison focuses mainly on car insurance rates, but we also looked at how satisfied car insurance customers are with their auto insurance company. For more information, check out our full ranking of the best car insurance companies, and find out what real customers say about USAA, Geico, and their competitors.

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We 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.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 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 of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

USAA vs. Geico

USAA Geico
  • Best overall company
  • Cheapest average annual rates
  • Need connection to military member to join
  • Some of the cheapest rates in the industry
  • Middle-of-the-road ranking with customers

USAA Auto Insurance Information

USAA is one of the largest insurers in the nation, but it serves a very specific group: members of the military, veterans, and their eligible family members. That’s still a large enough segment of the American population to give USAA 5.7 percent of the market in 2017, up 0.24 points from the year before.

USAA received some of the highest scores in our survey. They had the highest scores for the ease of filing a claim, but they also had very high scores for customer service and satisfaction with the way those claims were resolved. Nearly 90 percent of respondents would recommend USAA auto insurance to others, and 93 percent were likely to renew their own policies with the company.

Geico Auto Insurance Information

The Geico gecko is climbing the ranks and gaining market share. In 2017, Geico had 12.83 percent of the market, which is up .91 points from the year before. That makes it the second-largest auto insurer in the country, behind State Farm.

As with many of the top insurance companies in our survey, Geico scored very high when it comes to ease of filing a claim. Respondents were also happy with customer service. The company’s lowest scores were for satisfaction with the value of Geico car insurance. About a third of respondents would recommend Geico auto insurance to others, and 70 percent were likely to renew.

USAA and Geico car insurance: Which is cheapest for men?

The average car insurance study rate for the 25-year-old male profile is $1,106.57 with USAA and $1,120.01 with Geico. Those rates are only about $15 apart, and they’re about $400 lower than the national average study rates for this demographic profile.

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For the 35-year-old male profile, the average representative rate is $830.63 with USAA and $1,057.20 with Geico, which is a difference of about $225. The average study rate for the 60-year-old male driver profile at USAA is $778.97, and it’s $998.26 with Geico.

To determine whether USAA or Geico offers lower rates to male drivers, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

USAA

$1,106.57

$830.63

$778.97

Geico

$1,120.01

$1,057.20

$998.26

USAA and Geico car insurance: Which is cheapest for women?

Often, rates for 25-year-old female driver profiles are lower than the rates for male profiles of the same age. But with Geico, the rates female profile at this age has the higher study rate by about $40. USAA shows a cheaper study rate for the 25-year-old female profile by about $70.

The average auto insurance representative rate for the 35-year-old female driver profile is $1,031.61 at Geico, and $836.67 at USAA. For the 60-year-old female profile, Geico’s average study rate is $972.89, and USAA’s rate is $779.02.

We used driver profiles in the ages of 25, 35, and 60 to find out if USAA or Geico offers lower rates to female driver profiles. The profiles have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

USAA

$1,039.43

$836.67

$779.02

Geico

$1,160.30

$1,031.61

$972.89

USAA and Geico car insurance: Which is cheapest for high mileage?

A typical amount of driving in America is 12,000 miles per year. Driver profiles with this many miles on their odometer annually have an average auto insurance representative rate of $1,033.10 at Geico and $894.95 at USAA. That’s a difference of about $140.

We created driver profiles with high annual mileage (12,000 per year) to compare car insurance rates through Geico and USAA. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

12,000 miles annually

USAA

$894.95

Geico

$1,063.10

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USAA and Geico car insurance: Which is cheapest for low mileage?

With half as many miles on the odometer, about 6,000, that doesn’t mean driver profiles get to pay half as much for car insurance. In fact, the average study rates from these two insurance companies are similar to their rates for higher mileage. At USAA, the average auto insurance representative rate for 6,000 miles a year is $841.48, and it’s $1,004.62 with Geico. Those study rates are only about $50 less than the rates for 12,000 miles a year.

We analyzed the different representative rates charged by USAA and Geico to driver profiles with low mileage (only 6,000 per year).The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

6,000 miles annually

USAA

$841.48

Geico

$1,004.62

USAA and Geico car insurance: Which is cheapest for good credit?

Driver profiles with good credit histories usually see lower car insurance study rates. The average for these driver profiles with USAA is $881.14, and the average study rate with good credit at Geico is $1,041.20. That means USAA’s representative rate is about $160 lower than Geico’s.

Our study checked rates through USAA and Geico using driver profiles with good credit. The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Good credit

USAA

$881.14

Geico

$1,041.20

USAA and Geico car insurance: Which is cheapest for bad credit?

Driver profiles with poor credit see higher study rates no matter which insurance company they go with, but USAA and Geico’s representative rates are among the cheapest available for this profile, at $1,825.94 and $1,853.45, respectively. Again, USAA has the lower study rates, but the difference is only about $28.

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through Geico and USAA with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Company

Poor credit

USAA

$1,825.94

Geico

$1,853.45

USAA and Geico car insurance: Which is cheapest for good drivers?

Driver profiles without accidents or violations on their records have some of the lowest auto insurance representative rates, and the rates from these two companies are the two cheapest we found for this group. USAA’s average auto insurance study rate for the driver profiles with a clean record is $894.95, and Geico’s average study rate is only about $170 more, at $1,063.10. Those are both well under the national average of $1,.323.31 for good drivers.

Our study compared rates through USAA and Geico to find out which insurer has better rates for driving profiles with a clean record. These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Clean record

USAA

$894.95

Geico

$1,063.10

USAA and Geico car insurance: Which is cheapest after a speeding ticket?

Speeding can increase the chance of an accident, and accidents lead to claims. Drivers with a speeding ticket can expect to see their rates go up, even from two of the least expensive auto insurers in the country. The average study rate for a driver profile with a single speeding ticket is $1,356.17 with Geico, which is about $330 more than USAA’s average representative rate of $1,027.98.  

We also tested our driving profiles to check rates following a speeding ticket. These driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 speeding violation

USAA

$1,027.98

Geico

$1,356.17

USAA and Geico car insurance: Which is cheapest after an accident?

Insurance companies are less than thrilled to pay out for claims, so after an accident, drivers are likely to see their insurance rates go up. The average auto insurance representative rate after a single accident is $1,691.06 with Geico and $1,216.68 with USAA.

Geico places a heavier penalty on drivers with an accident than USAA. On average, the driver profile with a speeding violation pays about $600 more than the one with a clean record. USAA charges driver profiles with a single accident about $300 more than the profile with a good driving history.

To compare the rates offered by USAA and Geico to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 accident

USAA

$1,216.68

Geico

$1,691.06

USAA and Geico car insurance: Which is cheapest after a DUI?

Driving under the influence is another easy way to raise your insurance rates, and they will go up a lot. At USAA, the cheapest insurer in our study, driver profiles with a DUI on their record have an average representative rate of $1,710.92. That’s about $800 more than the study rate for driver profiles with a clean record with USAA.

Geico’s average car insurance study rate for driver profiles with a DUI is $2,805.40, which is already about $1,100 more than USAA’s average study rate for this group. But Geico's representative rate for driver profiles with a DUI is also about $1,700 more than for the profile with a clean record. That’s more than double.

We analyzed car insurance rates for a driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Company

With 1 DUI

USAA

$1,710.92

Geico

$2,805.50

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

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 USAA, 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. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates: