Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 2, 2021

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Just the Basics

  • Both American Family and GEICO have great customer satisfaction and low customer complaint ratios.
  • GEICO has the highest possible financial strength rating from A.M. Best, and American Family has better rates for drivers with a poor driving record.
  • GEICO has cheaper car insurance rates overall than American Family — but not by much.
  • American Family premiums decrease at a slower rate than GEICO based on credit history.
  • GEICO offers more discounts than American Family, though American Family has lower car insurance rates across the board.

American Family, abbreviated as AmFam, and GEICO are both reputable companies with stable financial strength. But which is better for you and your personal situation?

Overall car insurance rates between the two companies don’t differ much; however, penalties for a bad driving record or poor credit score differ greatly. GEICO is also defying the assumption that young males are worse drivers.

In our American Family vs. GEICO car insurance guide, we compare rates by age, driving record, credit score, and other factors that affect the cost of car insurance.

We compare available discounts and GEICO and American Family ratings from agencies with a credible and trustworthy view of car insurance companies.

Read our guide before you buy American Family or GEICO car insurance. If you’re ready now, enter your ZIP code to start comparing affordable car insurance quotes from companies in your local area.

Is American Family car insurance or GEICO car insurance cheaper based on age?

Age is one of the biggest factors in determining your car insurance rates, and rightfully so — as we age, we drive more, so we become more practiced, aware, and safer.

Take a look at a comparison of American Family insurance rates and GEICO insurance rates based on age, gender, and marital status.

American Family vs. Geico Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAmerican Family Average Annual RatesGeico Average Annual Rates
Single 17-year-old female$5,997$5,654
Single 17-year-old male$8,131$6,279
Single 25-year-old female$2,289$2,379
Single 25-year-old male$2,695$2,263
Married 35-year-old female$2,203$2,303
Married 35-year-old male$2,224$2,312
Married 60-year-old female$2,203$2,303
Married 60-year-old male$2,224$2,312
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The majority of car insurance companies will charge more for male drivers, especially teens. GEICO is definitely an excellent choice over American Family if you have a teen (specifically male) driver in your household.

At GEICO, car 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 car insurance rates are fairly competitive for other age and gender groups.

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Is American Family car insurance or GEICO car insurance cheaper based on driving record?

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 rate.

American Family vs. Geico Average Annual Car Insurance Rates by Driving Record
Driving RecordAmerican Family Average Annual RatesGeico Average Annual Rates
Clean record$2,694$2,146
With one speeding violation$3,026$2,645
With one accident$3,723$3,193
With one DUI$4,330$4,876
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American Family auto insurance policy rates are around $500 higher than GEICO car insurance rates for a speeding ticket or accident. However, American Family is more forgiving for drivers that incur a DUI.

GEICO auto insurance policy rates 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, and drivers with GEICO that get a DUI will pay well over double that of a driver with a clean record.

Is American Family car insurance or GEICO car insurance cheaper based on credit score?

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

Let’s take a look at how American Family and GEICO handle drivers with good, fair, and poor credit scores.

American Family vs. Geico Average Annual Car Insurance Rates by Credit Score
Credit History SummaryAmerican Family Average Annual RatesGeico Average Annual Rates
Good Credit (670-739)$2,692$2,435
Fair Credit Score (580-669)$3,170$2,987
Poor Credit Score (300-579)$4,468$4,260
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Overall, GEICO car insurance rates 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 rates increase by 18%-66% the worse the credit score. Alternatively, GEICO rates increase by 23%-75% for those with a fair or poor credit score.

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.

Does American Family or GEICO have better car insurance discounts?

Our data source shows only three discounts offered by American Family. GEICO offers 14 discounts and gives a bigger discount for having airbags which is the only discount American Family and GEICO share.

American Family vs. Geico Car Insurance Discounts
DiscountsAmerican FamilyGeico
Anti-lock BrakesN/A5
Claim FreeN/A26
Daytime Running LightsN/A1
Defensive Driver10N/A
Driving Device/App40N/A
Emergency DeploymentN/A25
Federal EmployeeN/A8
Good StudentN/A15
Multiple PoliciesN/A10
Multiple VehiclesN/A25
Passive Restraint3040
Safe DriverN/A15
Seat Belt UseN/A15
Vehicle RecoveryN/A25
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If you are considering GEICO and have a bad driving record or a poor credit score, you should rely heavily on GEICO car insurance discounts. Some of GEICO’s highest discounts are on anti-theft devices, vehicle recovery, being claim-free, insuring multiple vehicles, and if you are in the military and are urgently deployed.

There are two car insurance discounts American Family offers that GEICO does not: 1) completing a defensive driving course, and 2) using the American Family mobile app or device to track driving habits.

The discounts provided by car insurance companies also target particular categories of drivers, so be sure to inquire if there are any extra discounts by calling American Family or GEICO customer service at the American Family or GEICO insurance phone number.

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Does American Family or GEICO have better car insurance mobile apps?

Most of the bigger car 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 driving app may use your mobile phone to record your driving habits, or the company may request that you install a device into your car. This is called usage-based car insurance.

One thing to note: GEICO was the last of the top 10 car insurance companies to design and implement a usage-based driving app, so be aware that they may still be working out the bugs.

A more general app is also offered by major car insurance providers to allow you to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your American Family login or GEICO login would likely be the same.

How do American Family and GEICO car insurance compare in financial strength and customer satisfaction?

Getting the best car insurance rates is something worth celebrating, especially if you get to take advantage of a discount that applies to your individual situation.

But just as critical as available discounts is a company’s financial strength, customer satisfaction with the claims process, 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++.

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 against the total number of complaints.

American Family vs. Geico Company Ratings
AgenciesAmerican Family RatingsGeico Ratings
AM BestA (Excellent)A++ (Superior)
Consumer Reports8989
NAIC Complaint Ratio0.79 (total of 73 complaints)0.68 (total of 333 complaints)
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Both American Family and GEICO have positive feedback from customers that go through the claims process and do well with managing customer complaints.

Additionally, GEICO 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.

Ready to buy car insurance? Use our FREE comparison tool to get free quotes from local companies and compare them against American Family vs. GEICO car insurance.