GEICO vs State Farm Car Insurance

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

Choosing an auto insurance company can be tricky: every company's rates differ based on your location, age, and driving history, and every company's discounts vary. GEICO and State Farm are two of America's most popular insurance companies, selling affordable insurance policies across most of the US.

To help make insurance shopping seamless, we've gathered average costs from State Farm and GEICO. These rates cover an array of pricing components, including credit rating, driving behavior, and age. Examine these rates and find an affordable policy today.

Seeking more info? Read our comprehensive reviews of GEICO and State Farm.


Compare GEICO vs. State Farm auto insurance rates


GEICO vs. State Farm: prices by credit level

If you have very poor credit, GEICO could be the best option for you. On average, GEICO offers better premiums than State Farm for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800-plus — should consider GEICO, which typically beats State Farm by $196 per year. View common insurance rates by credit level for State Farm and GEICO below.


COMPARING AUTO INSURANCE 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: rates for drivers with bad records

If you have an at-fault accident, ticket, reckless driving violation, or DUI offense in your recent history, GEICO could be a better choice than State Farm. Each auto insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to understand which insurer suits you.


HIGH-RISK INSURANCE RATE COMPARISON: State Farm VS. GEICO
ViolationGEICO 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

Insurance companies use a driver's age to outline potential risk, pricing premiums on a sliding scale. An auto insurance policy is commonly most expensive for teens — due to their inexperience — and relatively affordable for drivers aged 25 or older. Since every insurance company evaluates age brackets differently, it's wise to compare rates and find great coverage.

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


AGE BRACKET INSURANCE RATE COMPARISON: State Farm VS. GEICO
Age tierGEICO 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

Affordability aside, there are myriad pros and cons of both GEICO and State Farm, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

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
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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 QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
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GEICO vs State Farm

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