GEICO vs. State Farm: Which Is the Best? (2026)
State Farm comes out on top for its high Insurify Quality (IQ) Score, low premiums, and customer satisfaction.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byAlani Asis
)
Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Featured in
){kind=logo}
){kind=logo}
){kind=small}
)
Edited byChris Schafer
)
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Data reviewed byKonstantin Halachev
)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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 | $80 | $53 |
| Number of available discounts | 17 | 10 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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. | $80/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. | $147/mo |
4.0
Best choiceBased on 18,432 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,773 GEICO reviews
Verified Review
Reviewed in Colorado on May 31, 2026
Very high priced and increases every year regardless of claims or lack thereof. Claims are okay, but all else could improve greatly.
Verified Review
Reviewed in New York on May 31, 2026
Very affordable.
Verified Review
Reviewed in Florida on May 29, 2026
I’ve had a positive experience with Geico's customer service over the years, as they have always been helpful. However, I’m switching providers because I found a competitor offering more coverage for a better price. While the service is great, I feel their monetary value could definitely be better.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
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 | 4.0 |
|---|---|
| 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. | 9.3 /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. | $53/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. | $107/mo |
4.0
Best choiceBased on 18,351 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,594 State Farm reviews
Verified Review
Reviewed in Florida on May 31, 2026
I have been with State Farm for many, many years. I have checked all of the other companies that advertise that they will save me hundreds of dollars per year, and none of them have been able to do so.
Verified Review
Reviewed in Tennessee on May 31, 2026
I'm sick of the constant increases! My insurance goes up every renewal, with no accidents, no claims, and no tickets. It's frustrating. I've been with SF for over 7 years, and I'm looking for something better. I'm tired of being a good driver and being rewarded with higher premiums. It's ridiculous.
Verified Review
Reviewed in Louisiana on May 31, 2026
Friendly and very helpful.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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++
Find Cheap Car Insurance near you
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 14,695 reviews
Secure. Free. Easy-to-use.
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 $142. State Farm has more affordable liability-only insurance coverage, at $53 per month, while GEICO offers its liability policies at $80 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 | $147 | $107 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 | $201 | $138 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 | $264 | $221 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 | $180 | $175 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 | $106 | $76 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 |
Shop for Car Insurance Online
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 14,695 reviews
Secure. Free. Easy-to-use.
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.
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."
Related articles
)
Allstate Car Insurance Review: 10,862+ User Ratings and Expert Insights
Allstate customers appreciate the company’s customer service and claims processing. But some report high rates and unexpected price increases.
)
USAA Auto Insurance: User Reviews and Quotes
USAA offers auto and other insurance coverage exclusively to veterans, military personnel, and their families. Its competitive rates and high customer satisfaction scores make it a popular choice.
)
Travelers Auto Insurance: User Reviews and Quotes
Travelers holds strong financial strength ratings, but its premiums are higher than its competitors.
)
List of Car Insurance Companies
State Farm, American Family, and NJM are among the best car insurance companies for their high customer satisfaction and affordable rates.
)
Liberty Mutual Car Insurance Review: 4,009+ User Ratings and Expert Insights
Drivers appreciate Liberty Mutual’s ease of making payments and its helpful customer service. But they dislike the frequent rate increases, and some report difficulties in claims handling.
)
Farmers Auto Insurance: User Reviews and Quotes
Farmers tends to offer higher rates. But drivers who value financial strength and qualify for discounts can find a lot of value with this insurer.
)
Progressive Car Insurance Review: 21,325+ User Ratings and Expert Insights
Customers appreciate Progressive’s good customer service and initial affordability, but they dislike the consistent price increases and complex claims process.
)
GEICO Auto Insurance: User Reviews and Quotes
GEICO offers auto insurance in all 50 states and Washington, D.C. Its competitive rates and numerous discounts make it a popular choice.
)
Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Featured in
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology