The two cheaper rates came courtesy of two separate divisions of USAA which caters exclusively to military personnel and their families.

Why is geico so much cheaper than usaa. Why is Geico insurance so cheap. GEICO is cheap because it sells insurance directly to consumers and offers a lot of discounts. View common insurance rates by credit level for State Farm and GEICO below.

Geico has a rate of 1719 for these drivers while USAA charges 1602. Why is GEICO so much cheaper than competitors. GEICOs low cost model IS copied by other Direct Writer Insurance companies.

Geico is generally cheaper than most other car insurance providers for the average driver who isnt affiliated with the military. As a general rule however those who qualify for USAA car insurance policies have the lowest premiums. For drivers with bad credit USAA is less expensive than Geico.

GEICO is able to cut the cost of insurance because they have less agents local offices in major cities etc. Drivers with outstanding credit a score of 800 or better should consider GEICO which typically beats Liberty Mutual by 728 per year. Geico typically has the cheapest car insurance among top national providers.

For most good drivers USAA will be a couple of hundred dollars cheaper per year while bad drivers could pay as much as 1000 per year more with GEICO. ValuePenguins analysis shows that Geicos rates for these drivers are 293 cheaper per year than State Farms. Most consumers qualify for more than one discount which helps to lower the overall cost of their premiums.

State Farm tends to offer cheaper coverage than Geico for most people. Both Geico and USAA offer cheap rates but Geicos probably your best bet for the cheapest rates with an average 1102 per year. However Geicos rates are more affordable for drivers with poor credit.