GEICO vs. State Farm: Which Is the Best? (2025)
State Farm comes out on top for its high Insurify Quality (IQ) Score, low premiums, and customer satisfaction.
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Written byAlani Asis
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Data reviewed byKonstantin Halachev
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Table of contents
State Farm and GEICO are top players in the insurance industry, and each insurance giant has its share of strengths and weaknesses.
State Farm has cheaper rates overall and ranks higher for customer service in various categories. On the other hand, GEICO has more discount opportunities to lower your insurance rates.
The best car insurance company for you will depend on its affordability, customer service, discounts, and coverage options. You can learn more about each of these insurers here.
Quick Facts
Unlike GEICO, State Farm’s telematics program won’t reduce your rates.
State Farm is cheaper for senior drivers and drivers with clean records and speeding tickets.
GEICO is cheaper for teen drivers and drivers with bad credit.
GEICO vs. State Farm: The verdict
State Farm beats GEICO in offering budget-friendly prices for most drivers. But GEICO has more discounts, which may result in lower premiums depending on which ones you qualify for.
State Farm also outshines GEICO in customer experience. It received higher ratings in the J.D. Power 2023 claims satisfaction and customer satisfaction studies.[1] It also has fewer complaints on the National Association of Insurance Commissioners (NAIC) complaint index.[2]
Additionally, State Farm’s insurance agent network is more comprehensive than GEICO. This means less waiting times and more personalized assistance. However, State Farm and GEICO’s insurance products are limited.
Factor  | GEICO | State Farm |
|---|---|---|
| Insurify Quality (IQ) Score | 9.2 | 9.3 |
| J.D. Power customer satisfaction score | 871 out of 1,000 | 891 out of 1,000 |
| Average quote: liability only | $90 | $56 |
| Number of available discounts | 17 | 10 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO
GEICO is the third-largest auto insurance company by market share in the U.S.[3] It’s known for its affordable rates and strong financial strength ratings.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $90/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. | $140/mo |
4.0
Best choiceBased on 13,427 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,905)
Deborah
Verified Review
Check around before you buy
Reviewed in Florida on December 2025
The rates are way too high for one person with a clean driving record and nothing on it.
Kiran
Verified Review
Reduce the Price
Reviewed in Maryland on December 2025
Too pricey for good drivers.
James
Verified Review
Why We Stay with GEICO
Reviewed in Florida on December 2025
We love GEICO. We have been with them forever. We check other carriers once or twice a year, and no one else can compare.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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++Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
State Farm
State Farm is the largest auto insurer in the U.S. It offers competitive rates and has high marks for claims and customer satisfaction.
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $56/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. | $108/mo |
4.1
Best choiceBased on 12,804 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,584)
Alfonzo
Verified Review
Bad Insurance Experience
Reviewed in West Virginia on December 2025
Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.
Tracy
Verified Review
Look what Wildbowilly found
Reviewed in Texas on December 2025
I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.
Steven
Verified Review
Great Insurance
Reviewed in Minnesota on December 2025
No issues at all.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
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GEICO DriveEasy vs. State Farm Drive Safe & Save
State Farm and GEICO advertise telematics programs through mobile apps that reward policyholders for good driving.
State Farm customers get a discount of up to 30% on their policy for good driving. On top of that, drivers get automatic savings just for enrolling. In contrast, GEICO offers a discount of up to 25% for good driving and a 15% discount for signing up.
However, participation in GEICO’s usage-based insurance program is mandatory. GEICO may also increase your rates for poor driving habits tracked by the app, while State Farm won’t.
GEICO vs. State Farm: Which is the cheapest?
GEICO and State Farm’s rates are cheaper than the national average monthly rate of $138. State Farm has more affordable liability-only insurance coverage, at $56 per month, while GEICO offers its liability policies at $90 per month. Keep in mind that you’ll see different rates on your policy depending on factors like your age, gender, location, and driving history.
State Farm: Cheapest for drivers with a clean driving record
Drivers with a clean driving record get the best rates on their policy. State Farm is cheaper for people with a clean driving record. Here, you can see how rates for full coverage compare between these two insurers.
Driver Type | GEICO | State Farm |
|---|---|---|
| Clean driving record | $140 | $108 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for drivers with a speeding ticket
Drivers with a speeding ticket pay higher rates than drivers with clean records. State Farm is the cheaper auto insurance company for people with a speeding ticket.
Here, you can see the full-coverage rates from both companies.
Driver Type | GEICO | State Farm |
|---|---|---|
| Drivers with a speeding ticket | $189 | $136 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for teen drivers
Teen drivers pay the highest auto insurance rates compared to other age groups. GEICO is the cheaper option for young drivers. Here, you can see the average full-coverage rates from both insurers.
Driver Type | GEICO | State Farm |
|---|---|---|
| Teens | $251 | $221 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with poor credit
Drivers with a bad credit score see increased premiums on their car insurance policy in states where insurers are allowed to factor in credit history when setting rates. GEICO is cheaper for drivers with poor credit.
Driver Type | GEICO | State Farm |
|---|---|---|
| Drivers with bad credit | $171 | $174 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for senior drivers
Drivers in their 60s typically pay the lowest rates for car insurance, which tend to increase again in their 70s. State Farm is cheaper for senior drivers.
Driver Type | GEICO | State Farm |
|---|---|---|
| Senior drivers | $102 | $77 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: GEICO vs. State Farm
State Farm and GEICO offer these standard auto insurance coverages:
Collision coverage
Collision coverage pays for your vehicle repairs if you get into a car crash, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for repairs due to non-collision events like theft, vandalism, and severe weather.
Liability coverage
Liability coverage pays for the other person’s injuries and property damage if you’re at fault in an accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your property damage and injuries if the at-fault party has little or no insurance.
Medical payments coverage
Medical payments coverage pays for your and your passenger’s medical bills, regardless of fault.
In addition to those standard coverages, consider these add-ons for more protection.
Coverage | GEICO | State Farm |
|---|---|---|
| Gap insurance | No | No |
| Emergency roadside assistance | Yes | Yes |
| Rental reimbursement coverage | Yes | Yes |
| Mechanical breakdown insurance | Yes | No |
| Rideshare insurance | No | Yes |
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Compare discounts: GEICO vs. State Farm
While GEICO offers higher rates, it has more discounts. If you qualify for its discounts, you may see lower rates on a GEICO insurance policy than a State Farm policy.
Discount | GEICO | State Farm |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | Yes | No |
| Military/affiliation | Yes | No |
| Good student | Yes | Yes |
| Loyalty | No | No |
| Autopay | No | No |
| Student away at school | No | Yes |
| Homeowner | No | No |
| Alternative fuel | No | No |
GEICO vs. State Farm FAQs
Here are the most asked questions about GEICO compared to State Farm car insurance.
Is State Farm bigger than GEICO?
Yes. State Farm is larger than GEICO in personal auto insurance, according to NAIC data. State Farm has $46 billion in direct premiums written. In contrast, Berkshire Hathaway Group (GEICO’s parent company) has $38 billion in direct premiums written.
Is GEICO the most expensive?
GEICO is more expensive than State Farm overall, but GEICO offers more discount opportunities. The company also has lower rates for teen drivers and drivers with bad credit scores.
Is GEICO or State Farm better for car insurance?
It depends. State Farm is the best option for customer service and affordable prices overall. In comparison, GEICO is the better choice for its discount opportunities and cheap rates for younger drivers and drivers with poor credit.
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Sources
- J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
- NAIC. "Results by Complaint Index."
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2022 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
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.
Featured in
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.