THE VERDICT
Geico is better than American Family overall. Geico and American Family offer comparable insurance options when it comes to products, and discounts, but Geico beats American Family in terms of customer reviews and cost. The average cost of a Geico policy in California is $54 per month, while the average cost of an American Family policy is $108 per month. Furthermore, Geico is available in all 50 states and Washington D.C., while American Family is only available in 19 states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, and Wisconsin.
Below, you can find even more details about how Geico and American Family stack up against one another.
Compare Geico vs American Family Insurance
- Types of Insurance: Geico beats American Family
- Cost: Geico beats American Family
- Discounts: American Family beats Geico
- NAIC Rating: American Family beats Geico
- J.D. Power Rating: Geico ties with American Family
- Market Share: Geico beats American Family
Geico has higher customer satisfaction ratings than American Family across a variety of platforms, including J.D. Power, the National Association of Insurance Commissioners (NAIC), and user reviews on WalletHub. Both companies, however, have received good scores from leading credit rating agencies such as AM Best, S&P, and Moody’s Investors Service. This is important because it serves as evidence of their financial strength and claims-paying ability.
Both companies have received their fair share of detractors, though, as Geico and American Family have received more than the average number of customer complaints as insurance companies of a similar size, according to the NAIC. For Geico, customer complaints highlight unsatisfactory settlement offers. For American Family, complaints focus on the company’s tendency to delay/deny claims.
Geico ultimately beats American Family when it comes to attracting customers, too. Geico sold 14.4% of all private-passenger car insurance premiums written in the nation in 2021, whereas American Family only sold 2.1%, according to the Insurance Information Institute. That makes Geico the second-largest car insurance provider in the country, while American Family ranks ninth.
Geico vs American Family: Customer Satisfaction Ratings
| Source |
Geico |
American Family |
| NAIC Complaint Index |
1.23 |
0.43 |
| J.D. Power Rating (Customer Satisfaction) |
4.2/5 |
4.2/5 |
| J.D. Power Rating (Claim Satisfaction) |
4.4/5 |
4.4/5 |
| WalletHub Editor's Rating |
4.4/5 |
4.3/5 |
| WalletHub User's Rating |
2.4/5 |
3.4/5 |
The NAIC Complaint Index is calculated by dividing a company’s number of complaints by its share of market premiums. The average is always 1.00, and both Geico and American Family exceed that benchmark.
To learn more about what sets these two auto insurance providers apart, check out WalletHub’s full
Geico insurance review and
American Family insurance review.
