Gianetta Palmer is a writer for, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 22, 2021

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Just What's Essential

  • American Family and GEICO figure out your base rates based on a variety of factors
  • Both American Family and GEICO have competitive customer satisfaction ratings
  • Discounts from American Family and GEICO can help you save money
  • American Family and GEICO offer a variety of products to meet your insurance needs

When you want to compare insurance companies, there are so many things to look at. We hope this American Family vs. GEICO car insurance comparison might help you find the best fit for your insurance needs.

One of the best ways to find affordable car insurance is to compare rates. Rates will vary between companies because each company calculates your risk profile a little bit differently.

Finding an affordable rate and pairing it with discounts can help you save a lot of money. Additionally, putting all of your insurance policies with the same company can lead to better discounts and more savings.

Before you begin this American Family vs. GEICO car insurance comparison, enter your ZIP code to receive quotes from multiple companies in your area.

Which company offers the best rates, American Family or GEICO?

GEICO and American Family auto insurance both offer competitive rates. Each insurance company will look at several different factors to determine what your base rates will be. Insurance companies determine your risk level and rates by looking at your:

  • Age
  • Location
  • Credit history
  • Driving record
  • Number of claims
  • Annual mileage
  • Education

Based on these factors, each company will assign you a risk level, which determines how much you will pay. Remember that you may find your car insurance is much more affordable once you add discounts to your base rates.

Looking over the American Family or GEICO car insurance review will give you some good insight, but comparing companies side by side is the best way to see which company can save you the most money.

Let’s take a few minutes and compare rates from these two powerhouse companies for various driving situations. This comparison will help you decide whether affordable American Family or GEICO car insurance might be available to you.

American Family vs. GEICO Car Insurance Rates Based on Credit

Most people don’t realize how much their credit score can affect their car insurance rates. Here is what you may be paying based on your credit score.

American Family vs. GEICO Average Monthly Rates Based on Credit Score
Credit ScoreAmerican Family Average Monthly PremiumGEICO Average Monthly Premium
300-579 (Very Poor)$160.92$170.92
580-669 (Fair)$107.83$113.17
670-739 (Good)$101.67$123.75
740-799 (Very Good)$84.08$93.33
800-850 (Exceptional)$78.42$88.67
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Across the board, American Family offers more affordable rates when it comes to your credit score. However, many other factors will play a role in how much your car insurance costs.

American Family vs. GEICO Car Insurance Rates Based on Age

Age is an essential factor for insurance companies. The more experience you have, the less likely you are to get into an accident. Teen drivers pay the highest rates due to their lack of experience. Once you hit age 25, your car insurance rates drop because of increased experience.

Let’s look over what your average rates may be based on how old you are.

American Family vs. GEICO Average Monthly Rates Based on Age
AgeAmerican Family Average Monthly PremiumGEICO Average Monthly Premium
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Overall, GEICO offers better rates based on age until you get older. GEICO also provides a significant number of discounts that will reduce your rates even more.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Which company has the best customer satisfaction rates, American Family or GEICO car insurance?

Customer satisfaction is important when it comes to loyalty for an insurance company. Finding a company that will help you in your time of need and stands by you through an accident brings peace of mind.

Whether you need help finding the American Family insurance claims phone number, or you were just in an accident and need assistance filing a claim, these interactions should be easy.

Both companies will be there to support you and assist you in figuring out what to expect when filing an insurance claim.

GEICO is rated slightly higher than American Family when it comes to customer satisfaction. However, consumers are pleased with both companies.

The GEICO claims process is easy to work through, and the customer service department is accommodating. If you need GEICO 24-hour roadside assistance or simply need the GEICO quote phone number, GEICO customer service will be happy to help.

What discounts are available when comparing American Family vs. GEICO?

Thinking about car insurance companies may lead you to wonder, “Who has the best car insurance discounts?

So, when you are deciding whether to buy American Family vs. GEICO car insurance, discounts are undoubtedly on your mind. Whether you go with the American Family or GEICO insurance company, they both have plenty to offer by way of discounts.

Adding discounts to your policy will help make your American Family or GEICO car insurance rates fit into your budget much easier. Here is a quick look at what discounts each of these companies has to offer.

Available Discounts from American Family and GEICO Car Insurance Companies
DiscountAmerican FamilyGEICO
Good StudentYesYes
Anti-Theft DevicesNoYes
Air BagYesYes
Anti-Lock BrakesNoYes
Defensive DriverYesYes
Good DriverYesYes
Driver's TrainingNoYes
Student Away at SchoolYesNo
Green VehicleNoNo
Advanced PurchaseYesNo
Home OwnerNoNo
Know Your DriveYesNo
Low Annual MileageYesNo
Auto PayYesYes
Paid in FullNoNo
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Adding discounts to low base rates is the best way to save money. Getting familiar with American Family and GEICO discounts will ensure you make the right decision for your budget.

We hope this has helped you learn more about American Family vs. GEICO car insurance. Enter your ZIP code to see quotes from auto insurance companies in your area.