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USAA vs GEICO

Numbers refreshed

A side-by-side look at USAA and GEICO: market share, satisfaction, plus financial strength and the prices in state guides.

A direct comparison

USAA logo
GEICO logo
USAAGEICO
US market share rank5th (6.2%)3rd (11.6%)
J.D. Power satisfaction11 of 11 regions above average7 of 11 regions above average
AM Best ratingA++ (Superior)A++ (Superior)
Discounts listed on its site66
Safe-driving appSafePilotDriveEasy

Source: Insurance Information Institute, Facts + Statistics: Auto insurance (NAIC data via S&P Global Market Intelligence); AM Best press release (news.ambest.com); J.D. Power 2026 U.S. Auto Insurance Study press release.

Which one costs less

State rate guides priced 613 profiles in states where both sell. GEICO was cheaper in 318 of those 613.

The price you pay may work out differently, since each company weighs age, record and car in its own way.

State (adult, clean record)USAA a yearGEICO a year
Florida$1,546$3,131
Maryland$2,971$4,028
North Dakota$1,158$1,096
Oklahoma$1,384$782
South Carolina$339$438
Texas$747$520

Source: Florida Office of Insurance Regulation: CHOICES Auto Rate Comparison Tool (county rate data /PandC/Data/CountyRates); Maryland Insurance Administration: Auto Insurance: A Comparison Guide to Rates (As of August 2026); North Dakota Insurance & Securities Department: 2026 Auto Insurance Cost Comparison Survey; Oklahoma Insurance Department: Auto Insurance Rate Comparison (Updated September 2026); South Carolina Department of Insurance: Price Comparison Tool, Sample Auto Rates (SampleRates.aspx?Id=Auto results); HelpInsure.com Auto FAQ (TDI).

Two car insurance quotes only compare fairly with the same coverage limits and deductible

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