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Choosing a car insurance company is sometimes difficult: companies' rates differ based on your driving record, location, and age, and companies offer an array of discounts. GEICO and Farmers are two of the nation's most popular insurance companies, providing affordable policies in most states.
To help simplify the process of comparing insurance companies, we gathered average policy prices from Farmers and GEICO. These cover a variety of rating factors, chief among which are credit rating, driving infractions, and age. Check out the below rates and find the right policy for you.
If you have very bad credit, GEICO could be the way to go. On average, GEICO offers better premiums than Farmers for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should lean toward GEICO, which typically beats Farmers by $290 per year. Check out average insurance rates by credit tier for Farmers and GEICO below.
|Credit score||GEICO avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$2,051||$2,633|
|Very Good (740-799)||$1,120||$1,459|
If you're saddled with an at-fault collision, speeding ticket, reckless driving violation, or DWI in your rear view mirror, GEICO could be a better choice than Farmers. Every auto insurance company prices its policies differently, so it's worth comparing quotes to find out which insurance company suits you.
|Violation||GEICO avg. annual premium||Farmers avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$2,334|
|At-fault accident (damage > $1,000)||$1,580||$1,699|
Insurers use age to outline potential risk, assigning rates accordingly. An insurance policy is usually priciest for teens — thanks to their inexperience — and more affordable for drivers aged 25 or older. Since every insurance company prices age tiers differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose GEICO over Farmers: GEICO offers average yearly savings of $3,010 versusFarmers.
|Age||GEICO avg. annual premium||Farmers avg. annual premium|
Setting aside cost, GEICO and Farmers come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Geico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.||Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.|
|Roadside Assistance||You can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.|
|Additional Discounts||Geico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.||Farmers offers an additional discount for seniors.|
|Recent Questions||Does State Farm match auto insurance quotes with other companies?|
Will a hit and run impact my car insurance premium in CA?
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Statute of limitations to file a claim with Geico in Vermont
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|Compare More||GEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. SafeAuto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAA||Farmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. SafeAuto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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