Deciding between car insurance providers can be challenging, especially when comparing well-known names like AAA and Geico. Both companies offer extensive coverage options and boast strong reputations, but they cater to different needs and preferences. Geico often attracts customers with its promise of lower rates and widespread availability, while AAA, known for its roadside assistance, also provides car insurance through its member clubs.
In this comprehensive comparison, we delve into AAA car insurance and Geico to help you determine which insurer better suits your needs. We’ll analyze key aspects such as coverage options, cost, customer service, and overall value to provide a clear picture of Aaa Car Insurance Vs Geico.
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AAA vs. Geico: A Head-to-Head Comparison
While both AAA and Geico are reputable insurers, Geico consistently scores higher in our overall ratings. Geico secured a 4.5 out of 5 in our review, outperforming AAA, which received a 4.1. Furthermore, Geico is recognized as the “Best for Budget-Conscious Drivers” in our ranking of the best car insurance companies.
Let’s break down the key differences between AAA and Geico:
Company Overview and Ratings
| Feature | AAA | Geico |
|---|---|---|
| Year Founded | 1902 | 1936 |
| AM Best Financial Strength Rating | Not Rated | A++ |
| Better Business Bureau Rating | A- | A+ |
| J.D. Power Claims Satisfaction Score | 706 out of 1,000 (Auto Club of Southern California) 704 (CSAA) 692 (Automobile Club Group) |
692 out of 1,000 |
| Our Award | N/A | Best for Budget-Conscious Drivers |
Geico’s A++ financial strength rating from AM Best signifies its exceptional ability to meet ongoing insurance obligations, giving customers confidence in claim payouts. While AAA is not rated by AM Best, it’s important to remember that AAA operates through various regional auto clubs, and customer experiences and ratings can vary.
Image of a comparison table showing AAA vs Geico car insurance ratings and company information
Alt text: AAA versus Geico car insurance comparison table highlighting year founded, AM Best rating, BBB rating, JD Power score, and awards.
Coverage Options: Tailoring Your Protection with AAA and Geico
Both AAA and Geico provide a comprehensive suite of standard car insurance coverages, ensuring drivers can obtain essential protection. These common coverage types include:
- Liability Coverage: Protects you financially if you’re at fault in an accident, covering bodily injury and property damage to others.
- Collision Coverage: Pays for damages to your vehicle resulting from a collision with another object or vehicle, regardless of fault.
- Comprehensive Coverage: Protects your car from non-collision events like theft, vandalism, weather damage, and animal collisions.
- Uninsured/Underinsured Motorist Coverage: Steps in to cover your medical expenses and vehicle damage if you’re hit by an uninsured or underinsured driver.
- Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of fault (available in some states).
- Medical Payments (MedPay): Similar to PIP but typically with lower coverage limits and may not cover lost wages.
Additional Coverage for Enhanced Security
Beyond the essentials, both AAA and Geico offer a range of optional coverages to further customize your policy:
| Insurance Type | AAA Coverage | Geico Coverage |
|---|---|---|
| Accident Forgiveness | ✓ | ✓ |
| Classic Car Insurance | ✓ | |
| Commercial Auto Insurance | ✓ | ✓ |
| Gap Insurance | ✓ | ✓ |
| Mechanical Breakdown Insurance | ✓ | ✓ |
| Mexico Car Insurance | ✓ | |
| New Car Replacement | ✓ | ✓ |
| Rental Car Reimbursement | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ |
Image of a comparison table showing additional coverage options for AAA and Geico car insurance
Alt text: Side-by-side comparison table of additional car insurance coverage options offered by AAA and Geico.
Geico stands out slightly with a broader range of add-on coverages, including options like rideshare insurance and diminished value coverage in some states. AAA, while offering a robust selection, may vary in specific offerings depending on the regional club.
Usage-Based Insurance: Driving Down Premiums
Both insurers feature telematics programs that monitor your driving habits to potentially unlock discounts.
- AAADrive: Available in select states within the Auto Club Group territory and Puerto Rico. It rewards safe driving habits without penalizing risky behavior with premium increases.
- Geico DriveEasy: Has wider availability across 36 states and Washington, D.C. While offering potential discounts, DriveEasy may also raise your premium based on detected unsafe driving.
Here’s a closer look at these programs:
| Factor | AAADrive
