October 27, 2021

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Geico Roadside Assistance Vs. AAA: Cost, Coverage, And More (2021)

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When you’re looking for the best emergency road service, you might be considering the pros and cons of Geico roadside assistance vs. AAA.

These companies are two of the biggest names in insurance – both made our list of the best car insurance companies in the nation. However, AAA is widely known for its roadside assistance program alone, whereas Geico is known for its low car insurance rates and discounts. In this article, we’ll compare the two top providers to see which has better roadside assistance.

If you’re looking for the best provider of auto insurance overall, we recommend getting quotes from multiple companies so you can compare coverage and rates. Enter your zip code above to get started.

In this article:


Geico And AAA Highlights

Both Geico roadside assistance and AAA have strengths and weaknesses. We’ve assessed each company below. Note that Geico and AAA have different types of programs: Geico offers an add-on option for policyholders while AAA’s option is solely a roadside assistance service that can be purchased without AAA insurance. Here’s a quick glance at Geico roadside assistance vs. AAA:

Geico Roadside Assistance AAA Roadside Assistance

Available through the Geico mobile app or by phone

Available with an AAA membership, no car insurance policy required

Can be added on to car insurance coverage for as low as $14 per month

Membership costs $38 to $164 per year depending on which tier of coverage you choose

 

Geico Roadside Assistance Vs. AAA: Coverage

Both Geico and AAA have strong coverage options. It’s clear that AAA roadside assistance comes with more choices though, so AAA may be the better option if these types of coverages are important to you.

On the other hand, if you already have a Geico auto insurance policy, adding roadside assistance to your policy is quick and affordable.

Here is what each of the roadside assistance providers offers:

  Geico Roadside Assistance AAA Roadside Assistance

Towing Services

Jump-Starts for Dead Batteries

Tire Changes

Lockout Services

Fuel Delivery

 

Winching and Extraction

 

 

Geico Roadside Assistance Vs. AAA: Cost

The cost of Geico emergency road service vs. AAA depends on many different factors, including where you live. Geico roadside assistance starts at $14 per year on top of your car insurance policy, while AAA is available with a AAA membership for $38 to $164 per year.

Roadside assistance is not technically free with either Geico or AAA. Even if you have a car insurance policy with either of these companies, you’ll still have to pay extra for roadside assistance. If you have a Geico insurance policy and want to avoid paying the cost of tow services out-of-pocket, you’ll have to add roadside assistance to your basic protection plan.

The price of a AAA membership depends on where you live and which tier of membership you purchase. For example, in North Carolina, a Basic Membership costs $59 per year, a Plus Membership costs $89 per year, and a Premier Membership costs $119 per year.

Here are a few details about the three tiers of membership:

AAA Basic Membership AAA Plus Membership AAA Premier Membership

$38–$74 per year

$60–$124 per year

$77–$164 per year

Up to 4 tows of 3–7 miles per year

4 tows up to 100 miles each per year

1-day free rental car with a tow

Fuel, flat tire, dead battery services

Fuel delivery

Trip disruption coverage up to $1,500

Car lockout service up to $50

Car lockout service up to $100

Car lockout service up to $150

 

Sometimes there is an enrollment fee (less than $20 per person), and you can get RV and motorcycle coverage, too.


Geico Roadside Assistance Vs. AAA: Membership Discounts

Being a customer of either Geico or AAA has its perks. When it comes to a AAA membership and a Geico car insurance policy, it can be expensive to get the coverage you need. Luckily, both auto insurance companies offer discounts to make purchasing roadside assistance for peace of mind worth the price you’re paying.

If you purchase a Geico auto insurance policy and roadside assistance, you might be looking for ways to save more money on your rates. Let’s get into some Geico discounts that could help you save money on your insurance:

Discount Geico Savings

Airbag

Save 25% if the driver’s side has airbags and up to 40% if the full front seat has airbags.

Anti-Lock Brakes

Save 5% if you have anti-lock brakes.

Anti-Theft Technology

Save up to 25% if your car has anti-theft technology.

Daytime Running Lights

Save 1% if your car has daytime running lights.

New Vehicle

Save up to 15% if you have a new car.

Good Driver

Save up to 26% when you remain accident-free.

Seat Belt Use

Save 15% on medical payments or personal injury protection if you use a seat belt.

Defensive Driving

Save by taking a defensive driving course.

Military/Emergency Deployment

Save 15% if you are military-affiliated. Save up to 25% when you get deployed with the military.

Multi-Vehicle

Save up to 25% if you have multiple vehicles on your Geico policy.

Multi-Policy

Save when you bundle several policies, such as car insurance and homeowners or renters insurance.

 

Discounts on AAA insurance can help you save money on the yearly cost of your membership. AAA partners with multiple organizations, restaurants, and home and business stores to give you deals.

Discount AAA Savings

Fuel Rewards Program at Shell

Save at least 5 cents per gallon with no fill-up requirements when you register for AAA’s Shell Fuel Rewards® program.

NAPA Auto Parts

Save 10% on most auto parts and accessories.

Hertz Car Sales

AAA members can save money when buying a car from Hertz.

Hard Rock Cafe

Save 10% on food, non-alcoholic beverages, and non-charity merchandise, plus earn Hard Rock Rewards.

Landry’s Restaurants

Save 10% on food and nonalcoholic drinks at participating locations.

Ticket Monster

Save up to 15% on tickets to concerts, theaters, and sporting events, as well as 40% on attraction and movie tickets.

Six Flags

Save 40% on tickets when purchased online and 10% on all gifts, candy, and photos.

Universal Hollywood

Save on 1-day general admission tickets purchased online.

Hertz

Save up to 20% on the base rate of your daily, weekly, and monthly rates.

Thrifty

Save 8% on car rentals and 10% on GPS navigation systems.

Dollar

Save 10% on car rentals and GPS navigation systems.

The Parking Spot

Free reservations and 10% savings on near-airport parking are included.

 

And that’s not even all of them. You can go online to find an extensive list of discounts on fuel, restaurants, travel businesses, stores, personal services, and home and business stores.


Geico Roadside Assistance Vs. AAA: Ratings And Reviews

We’ve collected a sample of reviews of Geico emergency road services vs. AAA roadside services to give you a better understanding of what current customers find to be each company’s strengths and weaknesses.

Positive customer reviews about Geico emergency roadside services revolve around praise for the Geico emergency services app and speedy services.

Negative reviews about Geico roadside assistance focus on glitches in the app and customer dissatisfaction with the fact that roadside assistance services are available only through the app. That being said, our research tells us that you can also request roadside assistance over the phone.

“Locked out of my wife’s car. Opened the app and asked for roadside assistance. 40 minutes later they show up, and 45 seconds later I’m in my car. Saved the day.”

– via Google Play

“I only installed the app because it’s apparently the only way you can order roadside assistance. After installing it, I filled in all my information, and requested a tow truck. But when I went to type the destination address, the app kept logging me out. … The app is also just very glitchy, too. I ended up just calling a different towing company. Geico, fix your app.” 

– via Google Play

Good customer reviews of AAA roadside assistance highlight polite customer service representatives and quick service in urgent situations. Negative reviews comment on long phone wait times, mixed-up services being sent out to the wrong areas, and long towing wait times.

“AAA roadside battery assistance technician Barnell Williams restored my faith in the company. I was having a bad day, [from] my car not starting to not-so-great customer service with the telephone rep. Mr. Williams went beyond the regular call to ensure [I] received a new battery replacement, all done with a smile and humor.” 

– Tina S. via Yelp

“Four hours on the side of a major highway in the dark! Freezing outside. Will not be renewing my membership after 30 [years]. Was ready to abandon the vehicle and call Uber.” 

– Eric N. via Yelp


Which Is Better, Geico Or AAA?

Overall, when you’re just looking for roadside assistance, we think that AAA’s offering is better when comparing Geico roadside assistance vs. AAA. AAA has more coverage and discount opportunities for customers to take advantage of, whether they’re running errands, fueling up, or traveling.

However, if you’re looking for roadside assistance in addition to car insurance, Geico should be your first choice, hands down. Geico is our best overall car insurance provider for its low rates, excellent customer service, and extensive coverage options including roadside assistance.

For more information about the insurance providers, read our full Geico auto insurance review and AAA insurance review. If you want to know what other providers offer roadside assistance, read our full article on the best roadside assistance plans.


Top Recommendations For Car Insurance

When you shop for auto insurance, it’s smart to get quotes from multiple providers and compare to be sure that you are paying the right price. In addition to Geico, we recommend keeping USAA and State Farm on your radar during your insurance shopping experience.

To get free car insurance quotes from top providers in your area, enter your zip code below.

 

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USAA is one of the top insurers in the nation. We named it our first choice for military members and their immediate families. USAA customers can customize policies to include standard coverage and additional types of coverage like roadside assistance, rental car reimbursement, and accident forgiveness insuranceRead more in our full review of USAA auto insurance.

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State Farm was one of the top performers in our review of the best insurance in the nation. Our research found that State Farm is best suited for young drivers like students because of the discounts available to this group.

State Farm’s Drive Safe & Save™ program is a usage-based safe driving program that works through the State Farm app to save customers money on car insurance. Plus, the Steer Clear® program is a driver refresher course available to young drivers. Any driver who completes this course will save money on their policy. Read more in our full State Farm auto insurance review.

Still can’t decide? Here’s our review of USAA vs. State Farm.


Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

Read our other comparison articles:

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