Compare American Family vs. GEICO Auto Insurance in 2021

Looking at American Family vs. GEICO auto insurance companies, you’ll find that the average GEICO auto insurance quotes are cheaper than American Family. However, while GEICO has higher financial ratings, American Financial has received fewer customer complaints. Comparing GEICO vs. American Family auto insurance quotes with quotes from local companies is the easiest way to find the most affordable coverage near you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 3, 2021

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A Concise Overview

  • GEICO offers lower rates than American Family
  • GEICO is rated better than American Family by A.M. Best
  • American Family has received fewer complaints than GEICO

American Family and GEICO offer auto insurance coverages to drivers of all ages. GEICO has lower rates and better financial ratings, but American Family has received fewer customer complaints.

Comparing American Family vs. GEICO car insurance will help you discover the best auto insurance option. Keep reading to learn how these two insurance providers compare on rates, discounts, coverages, and more.

Don’t stop with an American Family vs. GEICO auto insurance comparison. Enter your ZIP code above to compare free auto insurance quotes from multiple providers in your area.

American Family vs. GEICO: Who offers cheaper monthly rates?

Comparing affordable American Family vs. GEICO auto insurance rates will quickly determine the cheapest company. The following chart shows the average monthly American Family and GEICO auto insurance quotes based on age:

American Family vs. GEICO: Average Monthly Rates by Age
AgeAmerican Family Average Monthly RatesGEICO Average Monthly Rates
20$139$117
30$109$97
40$103$93
50$97$87
60$98$86
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As you can see, American Family auto insurance rates are more expensive than GEICO, and GEICO insurance rates actually decrease as drivers age.

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American Family vs. GEICO: What types of coverages are available?

Instead of an all-inclusive policy, auto insurance companies allow customers to choose their coverages. These options enable customers to create the best plan for each individual’s needs. These companies offer similar protections, but both offer options the other company lacks.

Coverages offered by American Family and GEICO include:

  • Bodily injury liability
  • Property damage liability
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Collision
  • Comprehensive
  • Rental reimbursement

In addition to these basic coverages, American Family car insurance offers GAP coverage and accidental death and dismemberment coverage. GEICO insurance offers mechanical breakdown insurance.

American Family vs. GEICO: Who offers better auto insurance discounts?

Examining American Family vs. GEICO auto insurance company discounts will help you find the company offering the most savings. Combining these discounts allow customers to make their policies more affordable.

Discounts offered by American Family include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Airbags
  • Good driver
  • Student away at school
  • Advanced purchase

Discounts offered by GEICO include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Anti-lock brake system
  • Airbags
  • Good driver
  • Driver training
  • New vehicle
  • Military

GEICO offers more discounts than American Family, but both companies offer more saving opportunities than most competitors.

American Family vs. GEICO: Which company has stronger financial and customer ratings?

Credit rating agencies analyze auto insurance companies and provide ratings based on financial strength. These ratings determine the likelihood that the company will provide a payout when you file a claim.

American Family has been rated an A by A.M. Best, an A1 by Moody’s, and an A by S&P. These are solid ratings and determine that the company is financially strong enough to provide a payout in most situations.

GEICO has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These are among the top ratings in the industry, ensuring that customers will receive a payout whenever they file a claim.

While GEICO has been rated better than American Family by all three rating agencies, both companies are considered financially strong.

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about auto insurance companies.

Both American Family and GEICO customers have made complaints to the BBB and the NAIC.

At the time of this comparison, the BBB has received 162 complaints about American Family over the past three years. According to the NAIC, American Family has a complaint index ratio of 1.35, indicating more complaints than similarly-sized competitors.

The BBB has received 2,697 complaints about GEICO in the past three years. The NAIC has given the company a complaint index ratio of 2.84, indicating more than double the complaints about competitors of a similar size.

These numbers show that American Family has received fewer total complaints than GEICO and has greater customer satisfaction.

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American Family vs. GEICO: Who offers roadside assistance?

Roadside assistance is a common requirement for those looking to buy American Family vs. GEICO auto insurance. Both of these companies offer this service as an add-on to an existing policy. Those that add this service will receive the following:

  • Towing
  • Gas delivery
  • Tire change
  • Battery service

American Family customers can purchase this service for $10 to $20 per year. You can request assistance by calling 1-800-692-6326.

GEICO customers can add roadside assistance for $14 per year. The GEICO auto insurance phone number is 1-800-443-7411.

Since this service is available as an add-on, it will increase your American Family or GEICO auto insurance quotes.

American Family vs. GEICO Auto Insurance: Pros and Cons

Consider the following pros and cons of American Family vs. GEICO insurance before making your final decision:

GEICO usually has lower rates than American Family, but American Family has lower rates for drivers with a DUI. GEICO may be the best for most customers, but American Family is the better choice for those looking for high-risk auto insurance.

Additionally, GEICO is better at handling claims than American Family and most competitors. However, American Family customers are more likely to renew, indicating greater customer satisfaction.

American Family vs. GEICO Auto Insurance: The Bottom Line

GEICO offers lower rates for most customers, but American Family has lower rates for those with a DUI. GEICO has better financial ratings while American Family has fewer complaints. A close comparison of American Family vs. GEICO will help you make the right choice.

Now that you’ve compared American Family vs. GEICO auto insurance, enter your ZIP code to get free auto insurance rates in your area.

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American Family vs. GEICO: Frequently Asked Questions

Here are some frequently asked questions about American Family and GEICO.

#1 – How do I file an American Family or GEICO claim?

American Family and GEICO allow customers to file claims online. If you prefer to speak with a representative, you can find the GEICO and American Family Insurance claims phone numbers on their websites.

#2 – Will my American Family vs. GEICO auto insurance quotes be impacted if I have marks on my driving record?

While you can receive accurate rates online, certain circumstances might require speaking with a representative. In that case, you can call the American Family or GEICO quote phone number to discover how your driving history or lifestyle might impact your monthly rates.

#3 – How can I make American Family or GEICO auto insurance payments?

Payment options for American Family or GEICO auto insurance include check, debit card, credit card, and automatic bank draft.

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