Who is cheaper than GEICO for auto insurance?


Editorial team Published on

Travelers and USAA frequently offer cheaper full-coverage car insurance rates than GEICO nationally.

Top Alternatives Cheaper Than GEICO

  • Travelers: Nationally averages around $138 to $146 per month for full coverage, making it one of the most affordable large national providers for safe drivers.
  • USAA: Averages about $132 per month for full coverage, though policies are strictly restricted to military members, veterans, and their families.
  • State Farm: Often beats GEICO for drivers who have an accident, speeding ticket, or DUI on their record, alongside strong customer service ratings.
  • Progressive: Frequently competitive for drivers with historical violations or those utilizing usage-based telematics discounts.
  • Regional/Group Insurers: Options like Costco Auto Insurance (powered by CONNECT/American Family) or Erie Insurance can be significantly cheaper if you qualify through memberships or reside in specific states.

Tips to Lower Your Rates

  • Shop around: Rates shift frequently and vary heavily depending on your local ZIP code, vehicle type, and driving history.
  • Bundle policies: Combining auto insurance with renters or homeowners insurance usually unlocks multi-policy discounts of up to 25%.
  • Adjust coverage: Raising deductibles or dropping full coverage on older, paid-off cars can instantly reduce monthly premiums.