GEICO vs State Farm Car Insurance

Compare rates from the top car insurance companies in your area.

Location pin icon
Your information is secure.

GEICO or State Farm:
Which Company is Best for You?

Choosing a car insurance company is sometimes difficult: companies' rates differ based on your location, age, and driving history, and every company's discounts vary. GEICO and State Farm are two of the most popular car insurance companies, offering competitively priced policies across most of the US.

To make shopping for car insurance easier, we pulled typical rates from State Farm and GEICO. The below rates cover myriad rating factors, including credit, driving infractions, and age. Compare rates and find your next car insurance policy today.

 

Compare GEICO vs. State Farm auto insurance rates

 

GEICO vs. State Farm: by credit level

If you have very bad credit, GEICO could be preferable to State Farm. On average, GEICO offers more affordable premiums than State Farm for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should opt for GEICO, which typically beats State Farm by $196 annually. View average insurance rates by credit level for State Farm and GEICO below.

 

RATES BY CREDIT SCORE: State Farm VS. GEICO
Credit levelGEICO avg. annual premiumState Farm avg. annual premium
Very Poor (300-579)$2,051$3,522
Fair (580-669)$1,358$2,003
Good (670-739)$1,485$1,613
Very Good (740-799)$1,120$1,451
Exceptional (800-850)$1,064$1,260

 

GEICO vs. State Farm: high-risk insurance rate comparison

If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI on your record, GEICO could be a better choice than State Farm. Each insurer will handle driving offenses differently, so it's worth comparing quotes to find out which insurer suits you.

 

RATES BY VIOLATION: State Farm VS. GEICO
InfractionGEICO avg. annual premiumState Farm avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,849
At-fault accident (damage > $1,000)$1,580$1,524
DUI/DWI$2,550$3,854
Reckless driving$2,238$2,895
Speeding ticket$1,395$1,983

 

GEICO vs. State Farm: rates by age

Auto insurance companies rely on age to indicate risk, pricing premiums accordingly. Car insurance is typically priciest for beginning and young drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age tiers uniquely, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose GEICO instead of State Farm: GEICO offers average yearly savings of $2,312, compared to State Farm.

 

AGE BRACKET INSURANCE RATE COMPARISON: State Farm VS. GEICO
Age bracketGEICO avg. annual premiumState Farm avg. annual premium
Teens$3,508$5,820
20s$1,438$2,379
30s$1,218$2,379
40s$1,189$1,587
50s$1,160$1,558
60s$1,065$1,485

 

Cost aside, GEICO and State Farm come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonGEICOState Farm
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonGEICOState Farm
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A++

Other ProductsGEICOState Farm
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOState Farm
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.
Roadside AssistanceYou 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.State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.
Additional DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.
Recent QuestionsCan I get accident forgiveness after an accident?

I had an accident in February at a two-way intersection where I had stopped and entered into the intersection and ...

Does State Farm match auto insurance quotes with other companies?

In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...

Will a hit and run impact my car insurance premium in CA?

My car was hit while parked, there is a scratch and dent. If I report it will it affect my ...

Will Geico increase my rates if I file a windshield claim?

Not further question....

See More Questions
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?

My car was towed by an apartment complex when I was visiting. It was not roadside assistance towing, is there ...

What could be the reason State Farm increased my premium?

No accident, no ticket, no changes on my side. It is not normal for a premium to increase for no ...

I started a claim but canceled it with no payout. Why is it on my CLUE report?

As I stated, nothing at all was done on a claim I started, just conversation. But when I bought coverage ...

Does State Farm match auto insurance quotes with other companies?

In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...

See More Questions
Compare MoreGEICO 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. Farmers 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. Safe Auto GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAAState Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. North Star Mutual State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

GEICO vs State Farm

Chevron left icon
Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...

Chevron right icon