USAA vs Geico: USAA delivers the lowest average premiums for military families and veterans — often $500–$800/year less than Geico's ~$2,053/year national average — plus industry-leading claims satisfaction, making it the clear winner for those who qualify. USAA offers lower average premiums and better customer ratings, particularly benefiting military members with exclusive discounts, while Geico provides broader accessibility with competitive rates averaging $2,053/year and strong industry standing. The choice depends on military affiliation and whether bundling home/auto coverage is desired.