GEICO vs. Farmers

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GEICO or Farmers:
Which Company is Best for You?

Choosing an auto insurance company is difficult: companies' rates may vary based on your driving record, location, and age, and every company provides a different set of discounts. GEICO and Farmers are two of the most popular car insurance companies, offering affordable policies in most American states.

In an effort to make shopping for car insurance easier, we've gathered typical insurance premiums from Farmers and GEICO. These take into consideration a number of rating factors, including credit score, driving history, and age. Check out the below rates and find an affordable policy today.

Looking for more information? Check out our full reviews of GEICO and Farmers.

 

GEICO vs. Farmers: insurance rate comparison

 

GEICO vs. Farmers: premiums by credit level

If you have very bad credit, GEICO could be the way to go. Typically, GEICO offers more affordable rates than Farmers for prospective clients with credit scores of less than 580. Those with exceptional credit — a score of 800 or better — should opt for GEICO, which typically beats Farmers by $290 per year. View common insurance rates by credit level for Farmers and GEICO below.

 
CREDIT SCORE INSURANCE RATE COMPARISON: FARMERS VS. GEICO
Credit levelGEICO avg. annual premiumFarmers avg. annual premium
Very Poor (300-579)$2,051$2,633
Fair (580-669)$1,358$1,736
Good (670-739)$1,485$1,882
Very Good (740-799)$1,120$1,459
Exceptional (800-850)$1,064$1,354
 

GEICO vs. Farmers: rates for high-risk drivers

If you're saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI offense on your résumé, GEICO could be a better choice than Farmers. Every auto insurance company has different post-violation pricing structures, so don't hesitate to shop around to figure out which insurer suits you.

 
HIGH-RISK INSURANCE RATE COMPARISON: FARMERS VS. GEICO
ViolationGEICO avg. annual premiumFarmers avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,334
At-fault accident (damage > $1,000)$1,580$1,699
DUI/DWI$2,550$3,239
Reckless driving$2,238$4,636
Speeding ticket$1,395$2,045
 

GEICO vs. Farmers: rates by age

Car insurance companies use age to outline risk potential, pricing policies accordingly. An auto insurance policy is often priciest for teen drivers — because of their inexperience — and relatively affordable for older drivers. Since each insurance company evaluates ages in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose GEICO over Farmers: GEICO offers average yearly savings of $3,010, compared to Farmers.

 
RATES BY AGE BRACKET: FARMERS VS. GEICO
Age bracketGEICO avg. annual premiumFarmers avg. annual premium
Teens$3,508$6,518
20s$1,438$2,020
30s$1,218$2,020
40s$1,189$1,511
50s$1,160$1,507
60s$1,065$1,402
 

Affordability aside, GEICO and Farmers come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonGEICOFarmers
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 ComparisonGEICOFarmers
Financial Strength SuperiorExcellent
JD Power Rankings Above averageBelow average
User Satisfaction 4.4/54.4/5
Other ProductsGEICOFarmers
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOFarmers
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.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 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.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 DiscountsGEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness.Farmers offers an additional discount for seniors.
Recent QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
Should senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most&nbsp;cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
See More Questions
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