Foremost vs. GEICO: Which Is the Best? (2024)

GEICO is the clear winner, with a 4.2 Insurify Quality (IQ) Score and lower rates in every driver category.

Mark Vallet
Written byMark Vallet
Mark Vallet
Mark Vallet

Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.

Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated April 17, 2024

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GEICO and Foremost are large national insurance companies that write policies in all 50 states and the District of Columbia.

GEICO offers lower rates than Foremost in every category reviewed by Insurify, but it’s important to remember that these insurance companies don’t always serve the same driver base.

If you’re considering a policy with GEICO or Foremost, it’s important to examine all factors. In addition to premium quotes, look at coverage and discount options as well as customer service ratings and claim handling.

Here’s what you need to know when comparing GEICO and Foremost.

Quick Facts
  • GEICO scored an Insurify Quality (IQ) Score of 4.2 out of 5, while Foremost managed a 3.5.

  • GEICO offers lower rates across all driver types and coverages.

  • Foremost specializes in high-risk drivers, while GEICO tends to work with more standard drivers.

Foremost vs. GEICO: The verdict

GEICO has a significantly higher IQ Score of 4.2 compared to 3.5 for Foremost. GEICO also has much lower rates for both liability-only and full-coverage policies. In fact, Foremost was significantly more expensive than GEICO for full-coverage and liability-only policies.

GEICO’s premiums are also well below national averages, while Foremost’s rates tend to be higher than national averages.

But Foremost tends to focus on drivers who may have difficulty finding an insurance policy elsewhere due to incidents on their record. Drivers with a DUI, a total loss claim, or another serious incident on their record may find coverage with Foremost to be the better (or possibly only) option.

You can see how these two insurers compare in the table below.

FactorForemostGEICO
IQ Score3.54.2
J.D. Power customer satisfaction scoreNot Ranked818 out of 1,000
Average quote: liability only$137$54
Number of discounts316
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Foremost

Foremost is part of the Farmers insurance group and focuses mainly on high-risk drivers, who sometimes have difficulty finding coverage. Due to the unique market it serves, its average rates exceed national averages.

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$137/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$278/mo

Founded in 1952, Foremost is a member of the Farmers Insurance Group and operates in all 50 states. Foremost offers car insurance through its partnership with Bristol West. In addition to car insurance, Foremost offers home insurance, classic car coverage, motorcycle insurance, and more. Its range of insurance products allow Foremost to offer discounts for multiple policies with the insurer, multiple cars, paperless billing, and more. Foremost has an A.M. Best rating of A for financial strength and credit, but more than five times the expected number of complaints in the National Association of Insurance Commissioners Customer Complaint Index.

Pros
  • Covers a wide variety of vehicles

  • Coverage available for high-risk drivers

Cons
  • Poor A.M. Best ratings

  • Company website gives no information on the company’s history or affiliations

GEICO

GEICO is the third-largest car insurance company in the nation and offers some of the best rates available for many driver types. It also scores well on customer satisfaction surveys, such as J.D. Power.[1]

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Read our GEICO review
Arturo - April 17, 2024
Verified

Average

I need cheaper coverage. It's too much for two cars.

Eminny - April 17, 2024
Verified

Inconsistent Communication and Service

This is my second time with GEICO. The first time was fine, but this time around, they set my policy to be cancelled on a Monday. They claimed to have sent me a letter the previous Friday requesting documents that I never received. I called them multiple times about it, and each time I received a different reason and excuse. Despite sending them everything they needed, my policy remains cancelled. Without insurance, my car just sits there, and since it's financed, I might even end up losing it. I'm just waiting for them to review my documents and reactivate my policy. They said they would reach out to me if they needed anything else or to at least let me know the verdict, which they never did. I have to keep calling them myself, only to receive different excuses each time and no policy reactivation. They never reach out when they say they will, and other insurance options are very expensive for me as a fairly new driver.

Andy - April 15, 2024
Verified

Unexpected Rate Increase

I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.

GEICO DriveEasy telematics program

GEICO offers a telematics program that allows policyholders a chance to earn a discount on their premiums. Foremost doesn’t offer a telematic program to its customers.

DriveEasy, which is GEICO’s free safe-driving program, lets policyholders use the GEICO Mobile app to earn discounts on their premiums. The app logs driving behaviors, including distance driven, speed, braking, and cornering. It then uses the data to calculate a safe-driving score.

The safe-driving score factors into your insurance rate at each policy renewal, and your premium automatically adjusts. This allows most drivers to save money, but if you’re a riskier driver, your rates could increase.

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Foremost vs. GEICO: Which is the cheapest?

GEICO is the clear winner in terms of low rates. The company offers cheaper premiums than Foremost for every category and age of driver. GEICO has an average monthly premium of $119 for full coverage, while Foremost came in at $278 for full coverage. In the sections that follow, you’ll see how these insurers compare across different categories.

GEICO: Cheapest for drivers with a clean driving record

GEICO is significantly cheaper than Foremost for people with clean driving records. The table below shows average rates for liability coverage from both companies for drivers with no incidents on their records.

Driver TypeForemostGEICO
Clean driving record$137$54
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

GEICO: Cheapest for drivers with a speeding ticket

GEICO is the cheapest insurer for drivers with a speeding ticket. Check out the table below to see the average liability rates for drivers with a speeding ticket on their record.

Driver TypeForemostGEICO
Drivers with a speeding ticket$137$62
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

GEICO: Cheapest for teen drivers

Young drivers are less experienced behind the wheel, which is why they’re more expensive to insure. If you have a teen on your policy, GEICO is by far the best car insurance option.

The chart below shows the average monthly liability-only premiums for teen drivers.

Driver TypeForemostGEICO
18-year-old$247$75
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

GEICO: Cheapest for drivers with bad credit

Insurers consider several factors when setting a premium. Statistics show that people with bad credit are involved in more accidents and claims, which is why they pay more for coverage. GEICO is the best policy option for drivers with poor credit, as you can see in the table below.

Driver TypeForemostGEICO
Drivers with bad credit$137$63
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

GEICO: Cheapest for senior drivers

GEICO offers better rates than Foremost for senior drivers (age 60 or higher) as well. A person’s rates tend to increase around age 70 because reduced faculties make it riskier to drive.

The table below shows how full-coverage rates from GEICO compare with those from Foremost.

Driver TypeForemostGEICO
Senior drivers$209$91
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Foremost vs. GEICO

GEICO and Foremost both offer a variety of insurance products ranging from standard coverages, such as bodily injury liability and property damage liability, to personal injury protection. These insurers also offer additional coverage options, such as uninsured/underinsured motorist coverage, collision, and comprehensive coverage. Collision coverage and comprehensive will pay to repair or replace your vehicle after an accident, fire, flood, or other covered incident.

Both insurers also offer homeowners insurance. But while GEICO offers a life insurance policy, Foremost doesn’t. Neither insurance company offers health insurance coverage.

Foremost offers gap insurance, while GEICO doesn’t currently offer this coverage. The table below shows which coverages are available with each of these car insurers.

CoverageForemostGEICO
Gap insuranceYesNo
Rental reimbursementYesYes
Roadside assistanceYesYes
Rideshare coverageYesYes
Mechanical breakdownNoYes

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Compare discounts: Foremost vs. GEICO

Both GEICO and Foremost offer multiple discounts to help lower your monthly premium. But GEICO offers more discounts than Foremost.

Check the information below to see which discounts are available with each insurance company.

DiscountForemostGEICO
Clean driving recordYesYes
Defensive driving courseNoYes
Multi-policyYesYes
Multi-carYesYes
Low mileageYesNo
Telematics (safe driving app)NoYes
Anti-theft deviceYesYes
New carNoYes
Military/affiliationYesYes
Good studentNoYes
LoyaltyYesYes
Auto payYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelYesNo

Foremost vs. GEICO FAQs

GEICO is certainly the big winner when it comes to price, but if you’re a driver with incidents on your record, Foremost may be the best option for you. As you narrow your decision between these insurers, the answers presented below can help.

  • Who is GEICO’s biggest competitor?

    GEICO is the third-largest car insurance company in the U.S., according to the National Association of Insurance Commissioners.[2] State Farm is the largest insurance business in the U.S., and Progressive is the second largest, making these two companies GEICO’s biggest competitors.

    Allstate and USAA round out the top five largest insurers in the country.

  • Is GEICO cheaper than Foremost?

    Yes. GEICO is cheaper than Foremost in every driver category. But Foremost specializes in high-risk drivers, so its average rates tend to be higher based on the drivers it insures.

  • Is Foremost Insurance a reputable company?

    Yes. Foremost Insurance Company is a reputable company that is a partner insurance company of Farmers Casualty Insurance Company. Foremost started out offering coverage for mobile homes but currently offers auto policies to high-risk drivers through its partnership with another affiliated Farmers company, Bristol West Casualty Insurance Company. Foremost enjoys sound financial strength ratings from AM Best.[3]

  • What are the key differences between Foremost and GEICO’s insurance services?

    The main difference is that Foremost specializes in high-risk drivers, while GEICO primarily works with more traditional drivers. They both offer experienced agents, a variety of coverages, and discounts for drivers with a good driving record. In addition, GEICO offers a telematics program called DriveEasy, which monitors your driving and offers a discount for good driving.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  2. NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2023 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
  3. AM Best. "A.M. Best Affirms Ratings of Foremost Corporation Group and Its Members."
Mark Vallet
Mark Vallet

Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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