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

The majority of auto insurance companies will charge more for male drivers, especially teens. Geico is definitely 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 fairly 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.

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, American Family Insurance Company quote is more forgiving for drivers that incur a DUI.

Geico auto insurance quotes increase more dramatically with more serious infractions. We figure this is because Geico was originally for government employees, so, naturally, there are greater penalties for breaking laws.

In fact, when compared to a driver with a clean record, Geico penalizes drivers that cause an accident with 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 car insurance review to learn more.

Auto Insurance Costs by Credit: American Family vs. Geico

Unfortunately, auto insurance companies assume that drivers with bad credit are more likely to file a claim. The good news is that several states have passed bills making it illegal for auto insurance companies to base rates on credit scores.

You might wonder, does Geico use credit score? How about American Family? Let’s take a look at how American Family Insurance Company and Geico handle drivers with good, fair, and poor credit scores.

American Family vs. Geico Car Insurance Rates by Credit Score

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

Overall, Geico insurance quotes are cheaper than American Family car insurance rates based on credit score. However, Geico is harsher when it comes to the difference in rates for a driver with fair or poor credit.

American Family auto insurance quotes and rates increase by 18%-66% as a person’s credit score declines. Alternatively, Geico rates increase by 23%-75% for those with fair or poor credit scores.

No matter what your credit score is, Geico is a better option overall. But, if you choose Geico and you experience financial trauma, expect your rates to skyrocket. If that happens, it may be a good idea to change companies. Find out 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 gives a bigger discount for having air bags, which is the only discount American Family and Geico share.

American Family vs. Geico Auto Insurance Discounts

Discounts
Anti-lock Brakes	N/A	5
Anti-Theft	N/A	25
Claim Free	N/A	26
Daytime Running Lights	N/A	1
Defensive Driver	10	N/A
Driving Device/App	40	N/A
Emergency Deployment	N/A	25
Federal Employee	N/A	8
Good Student	N/A	15
Military	N/A	15
Multiple Policies	N/A	10
Multiple Vehicles	N/A	25
Passive Restraint	30	40
Safe Driver	N/A	15
Seat Belt Use	N/A	15
Vehicle Recovery	N/A	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, being claim-free, insuring 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 quote or Geico quote, be sure to ask if there are any extra discounts by calling American Family or Geico customer service at the Geico or American Family car insurance phone number.

User Experience with American Family and Geico Apps

Most of the bigger auto insurance companies have two different types of apps. One is a general app used to show electronic verification of coverage, pay your bill, or adjust your coverage levels. Before making adjustments, make sure you understand the different types of auto insurance coverage.

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

One thing to note: Geico was the last of the top 10 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 Geico DriveEasy review to learn more.

Usually, in both the general app and the driving app, your American Family login or Geico login would likely be the same.

Financial Ratings and Customer Feedback: Geico vs. AmFam

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

But it’s also critical to look at these companies’ financial strength, customer satisfaction with the American Family and Geico claims processes and customer complaints. 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 of the claims process, step by step. And 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.

Both American Family and Geico have positive feedback from customers that go through the claims process and do well with managing customer complaints.

Is Geico a good insurance company? Additionally, Geico ratings vs. 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 Geico’s premium jumped from $160 to nearly $300, while American Family offered better coverage for a similar price. They questioned if Geico starts with low quotes and raises them later, debating if switching was worth it.

Users on Reddit have pointed out that recent assertions could impact the prices and emphasized the disparity in how businesses handle markdowns. Some proposed American Family might provide superior value, but they cautioned about its restricted availability in certain states which can make claims complex during journeys. The conversation highlights the need to look beyond cost when choosing insurance.

American Family Pros & Cons

Pros

• DUI-Friendly Rates: American Family gives good prices for drivers who have DUIs, which makes it a good option for people with past violations.
• Teen Safe Driver Program: This program, highlighted in the American Family KnowYourDrive review, helps young drivers learn safer habits, which can lead to lower insurance costs over time.
• 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 that are about 23% lower than American Family’s, making it one of the companies with the cheapest teen auto insurance.
• Lots of Discounts: With 14 discount options, like savings for anti-theft devices and multiple cars, Geico offers plenty of ways to cut costs.
• Strong Financial Backing: Geico’s A++ rating from A.M. Best means you can count on them for reliable service and claims handling.

Cons

• Steep DUI Penalties: If you have a DUI, Geico’s rates can skyrocket, making it less ideal for drivers with a spotty record.
• DriveEasy App Issues: While their usage-based app can save you money, it’s still working out some kinks and might not always run smoothly.

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 bring a lot to the table, so it’s all about finding what fits your situation best, whether it’s saving money, getting solid coverage, or having better customer support.

Before you buy American Family vs. Geico auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.