Both GEICO and USAA are strong insurance providers with distinct advantages. GEICO stands out for its affordability and accessibility, while USAA excels in customer satisfaction and specialized services for military members and their families. The best choice depends on individual needs and priorities.
| Attribute | GEICO | USAA |
|---|---|---|
| Customer service satisfaction | Generally positive, with 90% of customers reporting satisfaction. Praised for speed, knowledge, and courtesy, but some reviews mention varying experiences. | Highly rated, top rankings in customer satisfaction surveys, ranked as the top financier across the country by the American Customer Satisfaction Index for the second year in a row in 2025. In 2020, 64% of USAA customers were very satisfied with the resolution to any problems they had. |
| Policy coverage options | Offers liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage. Also provides home, renters, motorcycle, RV, life, and other types of insurance. | Offers a variety of insurance products, including auto, home, renters, and life insurance. Provides standard coverage options like liability, collision, and comprehensive, as well as add-ons like roadside assistance and rental car reimbursement. Also offers specialty insurance options such as motorcycle, RV, boat, and rideshare insurance. |
| Premium costs | Known for affordable rates, with minimum coverage around $40/month and full coverage averaging $98/month. Premiums vary based on driving history, age, location, and vehicle. | Full coverage car insurance averages $1,663 per year, or $139 a month. Minimum coverage averages around $417 annually, or $35 monthly. Home insurance for a $300,000 dwelling policy averages $1,954 per year. |
| Discounts offered | Offers discounts for safe drivers, military personnel, federal employees, students, and those who bundle policies. Discounts also available for vehicle safety features and defensive driving courses. Multi-policy and multi-vehicle discounts can save up to 25%. 'Welcome Factor' discount for new customers in certain states. | Safe driver, defensive driving course, good student, multiple car discounts, bundling insurance policies, storing vehicles, low mileage, and military-specific discounts. |
| Claim processing speed | Aims to process claims quickly, often within a few days. Straightforward claims can be resolved in less than 48 hours. Total loss claims may take about a week and a half. Claims can be filed online or by phone. | Typically takes around 7-10 business days, but can vary depending on the complexity of the claim. |
| Financial stability rating | AM Best: A++ (Superior), Standard & Poor's: AA+. Indicates strong ability to meet financial obligations and pay out claims. | High ratings from A.M. Best (A++ Superior) and Moody's Investors Service (Aa1 Excellent). S&P Global Ratings lowered its financial strength to 'AA' from 'AA+' in May 2025. |
| Digital accessibility (website/app) | User-friendly website and mobile app for managing policies, making payments, and filing claims. High rankings for functionality, ease of use, and security. | Offers a mobile app and website for managing policies, filing claims, and contacting representatives. Ranked 3rd for online satisfaction among large insurers by The Zebra’s consumer survey. |
| Availability of local agents | Limited number of local agents compared to some other insurers, focusing on online and phone-based customer service. | Limited availability of local agents in some areas. |
| Bundling options and savings | Offers discounts for bundling multiple insurance policies, such as auto and home. Potential savings of up to 25% on premiums. | Offers a discount of up to 10% when bundling auto and property policies. Save up to 5% if you have home insurance and other USAA insurance coverages. |
| User reviews and ratings | Generally positive, with praise for customer service, affordable rates, and convenient online tools. Some users report concerns about rate increases and claim satisfaction. | Generally receives high customer satisfaction scores, but some reviews indicate dissatisfaction, particularly concerning customer service and claim handling. As of August 2025, USAA has a rating of 1.4 stars from 132 reviews on Sitejabber. |
| Coverage area | Offers auto insurance in all 50 states and Washington, D.C. | Available nationwide and can even help get insurance coverage if stationed outside the U.S. in some cases. |
| Specialty insurance options | Provides coverage for motorcycles, RVs, ATVs, boats, and commercial vehicles. | Motorcycle insurance, RV insurance, boat insurance, classic car insurance, rideshare coverage, and umbrella insurance. |