AAA vs. GEICO: Which is the cheapest?
GEICO is the most affordable option, based on Insurify’s proprietary rate data. The average liability-only insurance rate from GEICO is $54 per month, while AAA’s average rate is $87 per month.
However, the cost of car insurance depends on many factors besides your insurance company. Your location, ZIP code, age, claim history, driving record, and your vehicle’s safety features will also affect your premium. It’s a good idea to get quotes from both companies to see which one will be the cheapest for your situation.
GEICO: Cheapest for drivers with a clean driving record
GEICO has cheaper car insurance rates than AAA for a good driver with a clean driving record and no recent incidents or violations.
Driver Type | AAA | GEICO |
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Clean driving record | $87 | $54 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with a speeding ticket
If you have a speeding ticket on your record, GEICO has much cheaper rates on average than AAA.
Driver Type | AAA | GEICO |
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Drivers with a speeding ticket | $107 | $63 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for teen drivers
Teenage drivers generally pay the highest rates for car insurance. Based on Insurify’s rate data, GEICO has lower car insurance rates for teens.
Driver Type | AAA | GEICO |
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18-year-old | $129 | $73 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with bad credit
People with poor credit usually pay higher rates for car insurance. However, GEICO has lower rates than AAA for drivers with poor credit.
Driver Type | AAA | GEICO |
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Drivers with bad credit | $105 | $62 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for senior drivers
Senior drivers often pay higher car insurance rates than middle-aged drivers. For drivers older than 70, GEICO has cheaper car insurance rates than AAA.
Driver Type | AAA | GEICO |
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Senior drivers | $64 | $41 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.