For Geico and USAA if you haven't served in the military or work for the government you will NOT get a good rate (GEICO is Government Employee Insurance Co, USAA is United Services Association of America I believe...), if that helps answer any questions on that...
GEICO gave me great rates for years and then hit me with a big increase. I called them and they couldn't give me any reasons or even want to discuss it. Once I called to cancel, then they suddenly said they could help me out. Nope, too late. Go screw. Now, they keep reaching out trying to get me back.
USAA won't even quote a policy for you if you aren't eligible to join due to your own or a family member's military service. It's not just me they quoted high. I have a relative who is a retired state trooper. On top of that, he did 20+ years in the NG with over five years active duty in Iraq/Afganistan/Kosovo. USAA knocked his socks off when he moved down here to FL from PA. For the first time in over 20 years, he doesn't have USAA for auto insurance.
Car insurance is funny in general. Some companies quote me super high like USAA, most of them quote me about the same, and then a couple undercut the rest of them. I don't go for cheap coverage. I do 500/250 with uninsured motorist, comprehensive, etc.
Even though I've quoted with USAA many times and never went with them, they keep contacting me every six months or so to give them another chance on a quote. Sometimes I humor them and go through the motions and then when they give me the numbers, I start laughing hysterically. They ask why I am laughing and I tell them what I am paying now and ask why they are so out of whack. "I'll have to get back to you." They never do.