American Family vs. GEICO: Best Auto Insurance for Military and Veterans [2024]
American Family and GEICO auto insurance offer coverage to military and veterans of all ages. Comparing the two companies shows that GEICO has lower rates and higher financial ratings. American Family Insurance has fewer complaints, indicating greater customer satisfaction. A close examination of American Family vs. GEICO auto insurance will help determine which company is right for you.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
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UPDATED: Mar 24, 2024
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- Geico has lower monthly rates than American Family
- Geico has better financial ratings than American Family
- American Family has fewer complaints than Geico
American Family and Geico both offer affordable auto insurance for military veterans. While Geico has lower rates and better financial ratings, American Family has fewer customer complaints.
Comparing American Family vs. Geico will help you make the best choice.
Before starting this American Family vs. Geico comparison, enter your ZIP code to find the best auto insurance quotes in your area.
American Family vs. Geico: What are their monthly rates?
Comparing affordable American Family vs. Geico auto insurance rates will help you find the most cost-effective option. The following chart shows the average American Family and Geico auto insurance quotes by age.
Allstate vs.Progressive Average Monthly Rates Based on Age Group| Age Group | Allstate Average Monthly Rates | Progressive Average Mothly Rates |
|---|---|---|
| Teenagers | $537 | $687 |
| 20-29 | $220 | $191 |
| 30-39 | $220 | $137 |
| 40-49 | $159 | $137 |
| 50-59 | $157 | $129 |
| 60-69 | $147 | $117 |
As you can see, the Geico monthly rates are lower than the American Family rates, and younger drivers pay the most for auto insurance.
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American Family vs. Geico: What coverages are available?
American Family and Geico offer multiple kinds of coverage to protect drivers. Customers looking to buy American Family vs. Geico auto insurance can combine coverages to create a plan that meets their needs.
Coverages offered by American Family and Geico include:
- Bodily injury liability
- Property damage liability
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Rental reimbursement
In addition to the basic coverages offered by both companies, you can add optional coverages to an existing policy. American Family provides GAP insurance and accidental death and dismemberment, for instance, and Geico offers mechanical breakdown insurance.
American Family vs. Geico: What discounts are available?
Auto insurance companies offer various ways to get discount car insurance. Comparing American Family vs. Geico auto insurance company discounts will help you determine which company provides the most savings.
Discounts offered by American Family include:
- Good student
- Multiple vehicles
- Airbags
- Good driver
- Student away at school
- Advanced purchase
Discounts offered by Geico include:
- Good student
- Multiple vehicles
- Anti-theft device
- Anti-lock brake system
- Airbags
- Good driver
- Driver training
- New vehicle
- Military
As you can see, Geico has more discount opportunities. Geico also offers savings for military personnel, something lacking from the American Family discounts.
Read more:
- Allstate vs. GEICO: Best Auto Insurance for Military and Veterans
- GEICO vs. Nationwide: Best Auto Insurance for Military and Veterans
American Family vs. Geico: What are their financial ratings?
Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file American Family or Geico claims.
American Family Auto Insurance has been rated an A- by A.M. Best, an A1 by Moody’s, and an A by S&P. These ratings are solid, indicating that the company is financially strong.
Geico has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These ratings are among the best in the industry.
While Geico is rated better than American Family, both companies have the financial strength to provide a payout when you file a claim.
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American Family vs. Geico: Do they have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) list complaints by customers about insurance companies. The organizations have received complaints about American Family and Geico.
At the time of this comparison, the BBB has received 167 complaints about American Family Insurance over the past three years. The company’s complaint index rating is 1.35 from the NAIC, slightly higher than similarly-sized competitors.
The BBB has received 2,796 complaints about Geico over the past three years. According to the NAIC, the company has a complaint index rating of 1.70, indicating Geico has more complaints than the average company of its size.
While comparing American Family vs. Geico auto insurance quotes can tell you who has the best deal, examining their complaints will help you determine the quality of service you’ll experience.
American Family vs. Geico: Do they offer roadside assistance?
American Family and Geico offer roadside assistance to customers. Both companies offer this service as an add-on to an existing policy. Customers that choose this additional service can receive support with the following:
- Towing
- Gas delivery
- Tire change
- Battery service
American Family roadside assistance is available 24 hours a day for those that choose this add-on. Customers can request the service by calling (800) 692-6326.
Geico offers roadside assistance for $14 per year. Customers can request Geico’s roadside service by calling (800) 443-7411.
If you add roadside assistance from either company, it will increase your American Family or Geico quote.
American Family vs. Geico: Do they have mobile apps?
American Family and Geico have mobile apps, allowing customers to access policy information on any device.
Entering your American Family login or Geico login information will allow you to access your digital ID card, make claims, make payments, or request roadside assistance.
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American Family vs. Geico: What are their pros and cons?
All insurance companies have pros and cons. Comparing American Family vs. Geico’s may help you decide between the two companies.
American Family has higher rates than Geico but offers lower rates for drivers with a DUI. Customers are also more likely to renew with the company than many competitors. (For more information, read our “Best Auto Insurance for Drivers With a DUI“).
Geico has lower rates than many competitors and is better at handling claims. But when policyholders get into an accident or get a DUI, their rates are generally higher than with other auto insurance companies.
American Family vs. Geico: Best Auto Insurance for Military and Veterans – Claim Resolution
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Both American Family and Geico offer digital options for filing claims. Customers can use their respective mobile apps or online portals to file claims conveniently. Additionally, they can initiate claims over the phone for a more traditional approach.
Average Claim Processing Time
The average claim processing time can vary depending on the complexity of the claim and individual circumstances. It’s essential for policyholders to contact their respective insurance companies for specific information regarding claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating the claim resolutions and payouts of American Family and Geico. It’s recommended that customers review testimonials and reach out to the companies for more information on their claims-handling process.
American Family vs. Geico: Best Auto Insurance for Military and Veterans – Digital Innovations
Mobile App Features and Functionality
Both American Family and Geico offer mobile apps with various features, such as digital ID card access, claims filing, payment processing, and roadside assistance requests. Customers can explore the functionalities of these apps to determine which one aligns better with their needs.
Online Account Management Capabilities
Policyholders of both the American Family and Geico can manage their accounts online. This includes accessing policy documents, making changes to their coverage, and reviewing billing and payment information. The ease of online account management is a significant factor to consider.
Digital Tools and Resources
Both insurance companies provide digital tools and resources to assist customers in understanding their policies, getting quotes, and accessing educational materials. These digital resources can be valuable for those looking to make informed decisions about their auto insurance coverage.
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American Family vs. Geico: The Bottom Line
Geico offers lower rates and has better financial ratings than American Family. Meanwhile, American Family has fewer complaints, indicating greater customer satisfaction.
Comparing American Family vs. Geico auto insurance will help you determine the best choice for military and veterans.
Now that you’ve finished this American Family vs. Geico car insurance review, enter your ZIP code to discover the top auto insurance rates in your area.