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 | Above average | Below average |
| User Satisfaction | 4.4/5 | 4.4/5 |
| 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 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 Questions | I 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 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 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. See More Questions |
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