GEICO vs State Farm Car Insurance

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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 GEICO. 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
3 out of 5
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 QuestionsWill a hit and run impact my car insurance premium in CA?

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

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One deductible for two accidents?

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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. 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. 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. 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. 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
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GEICO vs State Farm

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