American Family vs. Geico Auto Insurance in 2024 (Compare Costs Side by Side)

Most auto insurance companies will charge more for male drivers, especially teens. Geico is an excellent choice over AmFam when comparing auto insurance by age, particularly if you have a teen (specifically male) driver in your household.

At Geico, auto insurance rates for teen males are 23% cheaper than American Family, and rates for single 25-year-old males are 16% cheaper.

Overall, American Family vs. Geico auto insurance rates are competitive for other age and gender groups.

Driving Record Impact: American Family vs. Geico Rates

If you have a record of infractions such as speeding tickets, accidents, or DUIs, it doesn’t matter what company you choose; you will always pay higher rates than drivers with a clean record. Be sure to look into discounts to offset your high rates.

American Family vs Geico Full Coverage Auto Insurance Monthly Rates by Driving Record

Driving Record
Clean Record	$117	$80
Not-At-Fault Accident	$176	$132
Speeding Ticket	$136	$106
DUI/DWI	$194	$216

American Family auto insurance quotes are around $30 higher than Geico auto insurance rates for those with a speeding ticket or accident on their record. However, the American Family Insurance Company quote is more forgiving for drivers who incur a DUI.

Geico auto insurance quotes increase more dramatically with more severe infractions. This is because Geico was originally for government employees, so naturally, there are more significant penalties for breaking laws.

Compared to a driver with a clean record, Geico penalizes drivers who cause an accident, resulting in a 50% increase in rates. Drivers with Geico who get a DUI will pay well over double what a driver with a clean record pays. See Geico’s auto insurance review to learn more.

Auto Insurance Costs by Credit: American Family vs. Geico

Regrettably, car insurance companies believe that drivers with poor credit are more prone to committing accidents. A silver lining is that a customer’s credit score cannot determine car insurance prices, thanks to legislation passed in multiple states.

Does Geico use credit scores? How about the American Family? How American Family Insurance Company and Geico handle drivers with good, fair, and poor credit scores.

Monthly Auto Insurance Rates for American Family vs. Geico by Credit Score

Credit History Summary
Good Credit	$224	$203
Fair Credit	$264	$249
Poor Credit	$372	$355

Generally, Geico insurance quotes are less expensive than American Family car insurance when looking at credit scores. However, Geico tends stricter about rate differences for drivers with fair or poor credit ratings.

American Family car insurance quotes and rates increase by 18%—66% if someone’s credit score drops. On the other hand, Geico’s rates rise between 23% and 75% for people with fair or bad credit scores.

Geico is often a superior choice, regardless of your credit score. You should anticipate a sharp increase in your premiums if you decide to use Geico and suffer from financial distress. Switching businesses might be a smart move if that occurs. Discover more auto insurance companies that don’t check credit.

Auto Insurance Discounts Breakdown: Geico vs. AmFam

Our data source shows only three discounts offered by American Family auto insurance. Geico car insurance offers 14 discounts and a more significant discount for having airbags, the only discount American Family and Geico share.

American Family vs. Geico Auto Insurance Discounts

Discount Name
Anti-Lock Brakes	X	5%
Anti-Theft	X	25%
Claim Free	X	26%
Daytime Running Lights	X	1%
Defensive Driver	10%	X
Driving Device/App	40%	X
Emergency Deployment	X	25%
Federal Employee	X	8%
Good Student	X	15%
Military	X	15%
Multiple Policies	X	10%
Multiple Vehicles	X	25%
Passive Restraint	30%	40%
Safe Driver	X	15%
Seat Belt Use	X	15%
Vehicle Recovery	X	25%

If you’re considering Geico and have a bad driving record or a poor credit score, you should rely heavily on Geico auto insurance discounts. Some of Geico’s highest discounts are for anti-theft devices, vehicle recovery, claim-free insurance, multiple vehicles, and urgently deployed military members.

There are two American Family auto insurance discounts that Geico does not offer: 1) a discount for completing a defensive driving course and 2) a discount for using the American Family mobile app or device to track your driving habits.

Before you get your American Family or Geico quote, call American Family or Geico customer service at the Geico or American Family car insurance phone number to ask if there are any extra discounts.

User Experience with American Family and Geico Apps

Most of the more prominent auto insurance companies have two different types of apps. One is a general app that shows electronic coverage verification, pays your bill, or adjusts your coverage levels. Before making adjustments, understand the different types of auto insurance coverage.

The other is a driving app that records your driving habits using your mobile phone. Alternatively, the company may request that you install a device in your car. This is called usage-based auto insurance.

One thing to note: Geico was the last of the top auto insurance companies to design and implement a usage-based driving app, so be aware that they may still be working out the bugs. See the Geico DriveEasy review to learn more.

Your American Family login or Geico login will likely be the same in both the general app and the driving app.

Financial Ratings and Customer Feedback: Geico vs. AmFam

Getting the best auto insurance rates is worth celebrating, especially if you can take advantage of a discount with the cheapest auto insurance companies.

However, looking at these companies’ financial strength, customer satisfaction with the American Family and Geico claims processes and customer complaints is critical. The following three credible and trustworthy agencies shine a light on these factors:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Insurance Business Ratings & Consumer Reviews: American Family vs Geico

Agency
	Score: 831 / 1,000 Avg. Satisfaction	Score: 857 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices	Score: A+ Great Business Practices
	Score: 78/100 Positive Customer Feedback	Score: 74/100 Good Customer Satisfaction
	Score: 0.77 Fewer Complaints Than Avg.	Score: 0.55 Fewer Complaints Than Avg.
	Score: A Excellent Financial Strength	Score: A++ Superior Financial Strength

Consumer Reports collects annual data from its subscribers regarding customer satisfaction with the claims process, step by step. The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of Geico and American Family insurance claims and complaints.

Customers who successfully complete the claims procedure and handle consumer concerns give both American Family and Geico positive reviews.

Is Geico a good insurance company? Additionally, Geico’s ratings compared to American Family insurance ratings show that the financial future of both companies is strong, but Geico carries the highest rating possible from A.M. Best.

American Family and Geico take different approaches in the auto insurance market, with Geico holding a much bigger slice of the pie. While Geico focuses on reaching as many customers as possible, American Family must lean toward personalized service and niche programs to stand out.

The American Family and Geico comparison shows how different strategies appeal to other drivers. Whether you’re after widespread coverage or a more personalized experience, knowing their market share can help you pick the right fit.

On Reddit, a user compared Geico and American Family after adding a second car, noting that Geico’s premium jumped from $160 to nearly $300, while American Family offered better coverage for a similar price. They questioned whether Geico starts with low quotes and raises them later, debating whether switching was worth it.

Geico vs AmFam Differences?
byu/ShrimpTrio inInsurance

Reddit users mentioned that new claims might affect prices and highlighted the difference in how companies manage discounts. Some suggested that American Family could offer better value but warned it is only available in some places, making things difficult if you need to claim while traveling. The conversation highlights the need to look beyond cost when choosing insurance.

American Family Pros & Cons

Pros

• DUI-Friendly Prices: American Family offers affordable rates for drivers with DUIs, which makes it a good choice for people with past traffic violations.
• Teen Safe Driver Program: The American Family KnowYourDrive review discusses this program. It helps young drivers develop safer driving habits, which might make insurance cheaper in the future.
• Personalized Support: Known for its customer-focused service, especially in the Midwest and West, American Family offers a more personal touch.

Cons

• Fewer Discounts: Compared to Geico, American Family has fewer discount options, which could mean fewer ways to save.
• Higher Rates for Teen Males: Teen male drivers might find better deals with Geico, as their rates tend to be cheaper for this group.

Geico Pros & Cons

Pros

• Great Rates for Teens: Geico is a top choice for teen male drivers, with rates about 23% lower than American Family’s, making it one of the companies with the best teen auto insurance.
• Lots of Discounts: Geico offers plenty of ways to cut costs, with 14 discount options, such as savings on anti-theft devices and multiple cars.
• Strong Financial Backing: Geico has an A++ grade from A.M. Best, meaning you can trust them for good service and proper claim handling.

Cons

• High DUI Penalties: If you get a DUI, Geico’s rates can increase very much, so it might not be the best choice for drivers with some bad marks on their records.
• DriveEasy App Problems: Although this app, which charges based on usage, can help save money, it still has some issues to fix and might not always work perfectly.

Comparing Rates: American Family vs. Geico

Deciding between American Family and Geico auto insurance comes down to what you need most. Geico might be your go-to if you’re looking for lower rates for teen drivers or tons of discounts.

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On the other hand, American Family is great for drivers who need more forgiving rates and cheap auto insurance after a DUI, and it offers unique programs like Teen Safe Driver. Both companies offer a lot, so it’s all about finding what fits your situation best, whether it’s saving money, getting solid coverage, or having better customer support.

See how much you could save on coverage by entering your ZIP code into our free quote comparison tool.