GEICO vs State Farm Car Insurance

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

State Farm and GEICO are two of the largest auto insurance companies. The two providers maintain A+ financial strength ratings from AM Best and Consumer Reports ratings of 83 or higher. When comparing GEICO and State Farm, consider the premiums each carrier offers based on drivers’ credit scores, driving history, age, and vehicle type.

 

Compare GEICO vs. State Farm auto insurance rates

 

GEICO vs. State Farm rates by credit level

Drivers at every credit level will find cheaper rates through GEICO than with State Farm. If you have a very poor credit history, you have the most to gain by choosing GEICO, as its average yearly premium for drivers with bad credit is $187 less than State Farm’s.

 

Credit level

GEICO premium

State Farm premium

Very Poor (300-579)

$2,720

$2,907

Fair (580-669)

$2,212

$2,359

Good (670-739)

$1,804

$1,916

Very Good (740-799)

$1,490

$1,572

Exceptional (800-850)

$1,246

$1,292

 

GEICO vs. State Farm rates with bad driving records

GEICO and State Farm offer similar rates for drivers with recent violations on their record. If you have been ticketed for DUI, State Farm is $152 cheaper than GEICO each year, but GEICO is almost $200 per year more affordable after a reckless driving citation. If you have a clean driving record, GEICO’s average rates are slightly cheaper.

 

Citation

GEICO premium

State Farm premium

At-fault accident (damage <$1,000)

$2,076

$2,039

At-fault accident (damage >$1,000)

$2,282

$2,234

DUI

$2,632

$2,478

Reckless driving

$2,257

$2,454

None

$1,417

$1,496

 

GEICO vs. State Farm rates by vehicle type

GEICO offers cheaper car insurance than State Farm for all major vehicle types. Choosing a GEICO policy over State Farm — no matter if you drive a sedan, van, SUV, truck, electric vehicle, or luxury car — will typically save you between $102 and $150 annually. Pickup truck drivers have the most to gain by selecting GEICO over State Farm ($150 per year).

 

Vehicle type

GEICO premium

State Farm premium

Sedan

$1,446

$1,576

Van

$1,490

$1,625

SUV

$1,302

$1,407

Truck

$1,546

$1,696

Luxury

$2,118

$2,236

Green

$1,668

$1,770

 

GEICO vs. State Farm rates for teen drivers

Among major insurers, GEICO is one of the most affordable options for teen driver car insurance. The typical GEICO 6-month premium for a 17-year-old driver is $987, only 32% of State Farm’s average 6-month cost of $2,999.

 

Age

GEICO premium (6-mo.)

State Farm premium (6-mo.)

17 years old

$987

$2,999

 

In addition to price-shopping, weigh the other benefits of GEICO and State Farm. Each company offers unique discounts and roadside assistance programs, and has different customer satisfaction and financial stability ratings. Review the data before making your decision.

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 StrengthSuperiorSuperior
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

N/A

A++

Other ProductsGEICOState Farm
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
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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.
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