The only significant differences between the two insurers when it comes to discounts is that GEICO offers a discount to members of the military, while AAA does not, and that AAA offers a loyalty discount for sticking with their coverage, while GEICO does not. That, in combination with possibly having to pay for AAA membership to get AAA insurance makes it relatively safe to assume that GEICO is likely going to be cheaper for most drivers than AAA. GEICO is without doubt quite affordable when compared to national averages and offers more add-on insurance options — though AAA does offer GAP insurance, an important consideration if you're leasing or have an auto loan.