I won’t touch Geico. Years ago, in the Navy, my shipmate’s wife worked for GEICO. THEY couldn’t get a policy with GEICO at the time. At that time they kept the rates low and payouts minimal by not insuring young unmarried men, boats, motorcycles, Jeeps, & similar. If you had an accident in the previous FIVE years, they wouldn’t touch you. Any accident, other than extremely low cost and there was NO policy renewal. GEICO was like a surge suppressor, they’ll save you once, then it’s gone!
Cute little gecko be damned!
USAA was formed as a mutual insurance company by several military officers. Initially only serving & retired military officers & candidates were accepted, later all military. Family members can continue as an associate member of the previously insured member., like my daughter. AFAIK, now military veterans are included. That’s one of the ways they keep their prices down, limiting to a more trustworthy subset of the culture.