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.
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 level | GEICO avg. annual premium | Farmers 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 |
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.
| Violation | GEICO avg. annual premium | Farmers 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 |
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.
| Age bracket | GEICO avg. annual premium | Farmers 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 Comparison | GEICO | Farmers |
|---|---|---|
| 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 Comparison | GEICO | Farmers |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | GEICO | Farmers |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | GEICO | Farmers |
|---|---|---|
| About | GEICO 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 Assistance | You 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 Discounts | GEICO offers an additional discount for vehicles with daytime running lights. Moreover, the company offers the policy feature of accident forgiveness. | Farmers offers an additional discount for seniors. |
| Recent Questions | What 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 | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. 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 turnpikeAlthough 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. Will insurance cover someone other than the insured?While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary. See More Questions |
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