American Family Insurance vs. Geico: Which Offers More Affordable Auto Insurance Quotes (2024)

In this article, we will be comparing two of the most well known auto insurance companies, American Family vs. GEICO. GEICO auto insurance rates are especially low, and it does beat out American Family auto insurance rates for the most part. American Family auto insurance has a slight edge in its customer service however, and it can be cheaper depending on the customer. These two companies are some of the biggest in the auto insurance space, and for good reason, but which one is the right pick for you? Read on to find out.

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Benjamin Carr

Former State Farm Insurance Agent

Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...

Former State Farm Insurance Agent

Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Licensed Insurance Agent

UPDATED: Jun 16, 2022

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What You Should Know

  • Geico has many more discounts than American Family. If you are eligible for many of them, Geico is likely cheaper
  • Both Geico and American Family can have better rates than the other depending on the state
  • Geico is cheaper for younger drivers with American Family charging almost $2000 more per year for 17-year-old male drivers on average
  • Both companies have a great customer service record, both being some of the best in the business

When you’re looking for auto insurance, two companies will likely come to mind. American Family Insurance and Geico Insurance are two of the biggest auto insurance companies for a variety of reasons.

Geico more often than not has better rates than American Family. This is due in part to its large discounts that improve the rates for safe drivers. Geico auto insurance also has some of the best customer service in the auto insurance market, ranking number one among large auto insurers with J.D. Power.

If you want a more connected customer service experience, American Family auto insurance may be the better choice for you. In certain states such as Kansas, Nebraska, and Ohio, American Family beats out Geico’s rates.

Read on to American Family vs. Geico to see which one will best fit your needs. Enter your ZIP code to get the best auto insurance quotes in your area today.

American Family vs. Geico: Which is the best for me?

When comparing auto insurance, it’s important to recognize what you want out of it. A certain company’s policy may work best for one person while being a poor choice for another.

It’s a good idea to shop around and make sure you are getting the best deal you can when comparing auto insurance quotes. Rates can change significantly based on a multitude of factors, so it’s best to do your due diligence when looking for the best quotes.

Take a look at our guide on how to compare auto insurance quotes if you have any questions on how to get the best rates possible.

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American Family vs. Geico: Which works better with my credit score?

One of the biggest factors affecting auto insurance quotes is, of course, your credit. Whether you were to get an American Family auto insurance quote or a Geico auto insurance quote, a higher credit score will help you secure a more affordable rate.

In this instance, both companies remain fairly consistent in their changes based on the credit bracket. However, according to our data, Geico remains the cheaper option regardless of credit.

American Family vs. GEICO Average Annual Rates by Credit Score
Credit History SummaryAmerican Family Average Annual RatesGeico Average Annual Rates
Good Credit (670-739)$2,691.74$2,434.82
Fair Credit Score (580-669)$3,169.53$2,986.79
Poor Credit Score (300-579)$4,467.98$4,259.50
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What about your age?

American Family vs. Geico: How does age affect my rate?

Age has always been one of the most significant factors when it comes to determining your auto insurance payments. Whether you are male or female is also a very relevant factor, and these companies are no exception to that rule.

Without any other factors, men almost always pay more for their car insurance. This certainly holds true more for American Family than it does for Geico in its average rates.

In the case of 17-year-old drivers, American Family charges male drivers $2,134 more on average than female drivers. Meanwhile, Geico only charges 17-year-old males $625 more per year on average than females of the same age.

American Family vs. GEICO Average Annual Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmerican Family Average Annual RatesGeico Average Annual Rates
Married 35-year old female $2,202.70$2,302.89
Married 35-year old male $2,224.31$2,312.38
Married 60-year old female $1,992.92$2,247.06
Married 60-year old male $2,014.38$2,283.45
Single 17-year old female $5,996.50$5,653.55
Single 17-year old male $8,130.50$6,278.96
Single 25-year old female $2,288.65$2,378.89
Single 25-year old male $2,694.72$2,262.87
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If you cause an accident, will that affect your rates as well?

American Family vs. Geico: How do accidents affect my rate?

Your driving record is one of the most important factors for auto insurance companies when it comes to determining your rate. The number of accidents, DUIs, and traffic violations such as speeding tickets all factor into your prospective insurance policy and the rate you will have to pay.

Unsurprisingly, DUIs change auto insurance rates more than almost any other factor. On average, a driver with a single DUI will pay $1,636.63 more from American Family and $2,729.91 more from Geico per year compared to drivers with a clean record.

American Family vs. GEICO Average Annual Rates by Driving Record
Driving RecordAmerican Family Average Annual RatesGeico Average Annual Rates
Clean Record$2,693.61$2,145.96
With One Accident$3,722.75$3,192.77
With One DUI$4,330.24$4,875.87
With One Speeding Violation$3,025.74$2,645.43
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Did you know where you live affects your rates? Keep reading to find out more.

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American Family vs. Geico: Which has better rates in my state?

It’s not something people looking for insurance often consider, but the state that you are in can drastically change your rate on a company-by-company basis.

When it comes to American Family auto insurance vs. Geico auto insurance, this is especially true. Many states are cheaper with Geico, but not all, such as Kansas, which is over $1,000 cheaper with American Family on average.

Affordable American Family auto insurance rates may be available in your state, so make sure to check out what works better for where you live.

American Family vs. GEICO Average Annual Rates by State
StateAmerican Family Average Annual RatesGeico Average Annual Rates
AlabamaData Not Available$2,866.60
ArkansasData Not Available$3,484.63
ArizonaData Not Available$2,264.71
CaliforniaData Not Available$2,885.65
ConnecticutData Not Available$3,073.66
District of ColumbiaData Not Available$3,692.81
DelawareData Not Available$3,727.29
FloridaData Not Available$3,783.63
GeorgiaData Not Available$2,977.20
HawaiiData Not Available$3,358.86
KentuckyData Not Available$4,633.59
LouisianaData Not Available$6,154.60
MaineData Not Available$2,823.05
MarylandData Not Available$3,832.63
MassachusettsData Not Available$1,510.17
MichiganData Not Available$6,430.11
MississippiData Not Available$4,087.21
MontanaData Not Available$3,602.35
North CarolinaData Not Available$2,936.69
North Dakota$3,812.40$2,668.24
New HampshireData Not Available$1,615.02
New JerseyData Not Available$2,754.94
New MexicoData Not Available$4,458.30
New YorkData Not Available$2,428.24
OklahomaData Not Available$3,437.34
PennsylvaniaData Not Available$2,605.22
Rhode IslandData Not Available$5,602.63
South CarolinaData Not Available$3,178.01
South Dakota$4,047.47$2,940.29
TennesseeData Not Available$3,283.42
Virginia$3,386.80Data Not Available
Vermont$3,190.38Data Not Available
West Virginia$3,820.68Data Not Available
Wyoming$4,373.93Data Not Available
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Can you get discounts to lower your premiums?

American Family vs. Geico: Who has better discounts?

Discounts can be one of the biggest factors when you are considering changing a policy or getting a new one. Discounts aren’t a one size fits all solution for a rate either. Affordable Geico auto insurance rates are attainable with the discounts they have on offer.

When you talk with your insurance agent, make sure to go through the discounts and see everything you are eligible for. These are prone to change, so make sure to use your Geico login and your American Family Insurance login to make sure you haven’t missed any discounts.

It’s important to do your due diligence and ensure that you are getting the discounts that you are eligible for. Don’t overpay for your auto insurance when you could have made it much more affordable by asking a few questions.

If you are eligible for a lot of discounts, Geico certainly wins out in that regard. Geico gives discounts for vehicle features such as anti-lock brakes and daytime running lights, as well as military and good student discounts.

GEICO vs. American Family Discounts
DiscountsAmerican Family Discounts OfferedGeico Discounts Offered
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclex
Vehicle Recoveryxx
Newer Vehiclex
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Emergency Deploymentx
Family Legacyxx
Farm Vehiclex
Federal Employeex
Family Planx
Full Paymentxx
Further Educationx
Good Studentxx
Low Mileagexx
Multiple Policiesxx
Multiple Vehiclesxx
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintxx
Safe Driverxx
Seat Belt Usex
Students & Alumnixx
Switching Providerx
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Is customer satisfaction important to you? Find out more about how these companies do in terms of customer service below.

American Family vs. Geico: Which has better customer service?

Rates aren’t everything when it comes to car insurance. For many people, it’s more important that they are taken care of as customers. Both Geico and American Family are well known for their exceptional customer service.

While Geico is considered a large auto insurer, American Family is considered a mid-size auto insurer. This may factor in when deciding which has more fitting customer service for you.

According to J.D. Power, both Geico and American Family find themselves close to one another in terms of customer satisfaction. American Family takes the edge over Geico with a score of 878 compared to Geico’s score of 867 on J.D. Power’s 1,000 point customer satisfaction rating.

Quality customer service can be hard to come by, so it’s a good idea to make sure that you are making the right choice before you sign up. Do your research to make sure that American Family and Geico customer service is the best fit for you by checking out.

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Who is the better auto insurer?

If rates are the only consideration, Geico will likely be the more affordable option depending on where you live and what discounts are available to you. Its customer service is also the best among large companies.

If you like a closer connection with your insurance provider, American Family will likely provide more fitting customer service for you. American Family has better rates for some rural states, so location is an important consideration for comparing which has the more affordable auto insurance.

Feel free to take a look back at this guide and compare in order to make sure whether Geico Auto Insurance or American Family Auto Insurance is right for you.

Whichever way you decide to go on your insurance policy make sure to stay informed. Enter your ZIP code below to ensure you are getting the best rates you can in your area.

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