Farmers vs GEICO Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

Farmers VS GEICO
85
88
What is this?
User Ratings
OptionsFarmers GEICO
Rating/Reviews
506 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers GEICO
Call Center Representative--About average
Insurer WebsiteAbout averageAmong the best
Local AgentAbout averageThe rest
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers GEICO
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceAbout averageBetter than most
Repair ProcessThe restAbout average
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionFarmers GEICO
California795 pt
The rest
807 pt
About average
Central821 pt
About average
838 pt
Better than most
Florida820 pt
About average
832 pt
Better than most
Mid-Atlantic814 pt
The rest
848 pt
Better than most
New England--827 pt
About average
New York--813 pt
About average
North Central808 pt
The rest
830 pt
About average
Northwest785 pt
The rest
805 pt
About average
Southeast--839 pt
About average
Southwest797 pt
The rest
798 pt
The rest
Texas822 pt
About average
816 pt
The rest
Mobile App Ratings
RegionFarmers GEICO
Android
2,565 Reviews
147,062 Reviews
iOS
538 Reviews
446,400 Reviews
Financial Ratings
OptionsFarmers GEICO
A.M. BestAA++
FitchA+AA-
Moody'sA2Aa3
Standard & Poor'sAAA+

Auto Insurance Quotes

For Married Drivers

CityFarmers GEICO
Austin--$59
Chicago$124$67
Philadelphia--$88
Phoenix$126$38
Santa Monica$120$48

For Single Drivers

CityFarmers GEICO
Austin--$62
Chicago$117$68
Philadelphia--$92
Phoenix$120$44
Santa Monica$263$129

For Male Drivers

CityFarmers GEICO
Austin--$59
Chicago$129$71
Philadelphia--$92
Phoenix$129$42
Santa Monica$269$123

For Female Drivers

CityFarmers GEICO
Austin--$62
Chicago$112$64
Philadelphia--$87
Phoenix$117$40
Santa Monica$114$53

For Drivers with Speeding Ticket

CityFarmers GEICO
Austin--$74
Chicago$163$92
Philadelphia--$128
Phoenix$157$64
Santa Monica$302$141

For Drivers with No Speeding Ticket

CityFarmers GEICO
Austin--$58
Chicago$111$62
Philadelphia--$84
Phoenix$116$36
Santa Monica$168$77

For Drivers Age Between 18-40

CityFarmers GEICO
Austin--$63
Chicago$120$71
Philadelphia--$98
Phoenix$123$45
Santa Monica$303$149

For Drivers Age Between 40-65

CityFarmers GEICO
Austin--$54
Chicago$115$61
Philadelphia--$79
Phoenix$118$35
Santa Monica$104$40

For Drivers Age of 65+

CityFarmers GEICO
Austin--$75
Chicago$142$78
Philadelphia--$99
Phoenix$143$48
Santa Monica$101$41

For Drivers with Average Credit

CityFarmers GEICO
Austin--$68
Chicago$116$70
Philadelphia--$94
Phoenix$123$43
Santa Monica$149$76

For Drivers with Fair Credit

CityFarmers GEICO
Austin--$71
Chicago$132$74
Philadelphia--$104
Phoenix$134$43
Santa Monica$134$56

For Drivers with Good Credit

CityFarmers GEICO
Austin--$55
Chicago$126$66
Philadelphia--$84
Phoenix$128$37
Santa Monica$140$60

For Drivers with Excellent Credit

CityFarmers GEICO
Austin--$48
Chicago$108$60
Philadelphia--$77
Phoenix$108$41
Santa Monica$343$161

Quotes & Discounts

Discount typeFarmers GEICO
Multiple PolicyUp to 10%Varies
EV/HybridUp to 5%--
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesUp to 5%
Claims Free RenewalVaries--
Daytime Running LightsVariesUp to 3%
Defensive DriverVariesVaries
Driving HabitsVaries--
Driving trainingVariesVaries
E-billingVaries--
Early QuoteVaries--
Electronic Stability ControlVaries--
FamilyVaries--
Good DriverVariesUp to 26%
Good PayerVaries--
Good StudentVariesUp to 15%
Home OwnerVaries--
LoyaltyVaries--
Mature driverVaries--
MilitaryVariesUp to 15%
Multiple VehicleVariesVaries
On Your OwnVaries--
OrganizationVariesVaries
Paid in fullVaries--
Paperless documentsVaries--
Passive RestraintVariesUp to 25%
Preferred paymentVaries--
PrepayVaries--
Professional organizationVaries--
Provider SwitchVaries--
Senior AdultVariesVaries
Student Away at SchoolVaries--
VIN EtchingVaries--
Youth DrivingVaries--
teenSMARTVariesVaries
Accident Free--Varies
Emergency Deployment--Up to 25%
Federal Employee--Up to 25%
Seat Belt Use--Up to 15%

Payment Methods

Discount typeFarmers GEICO
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yesyes
Online Payment
yes--
Phone Payment
yesyes

Features and Services

Features and ServicesFarmers GEICO
24/7 service--yes
Accident forgivenessyesyes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alerts--yes

Optional Coverages

Optional CoveragesFarmers GEICO
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yesyes
Emergency Lockout Coverage
yes--
Glass Coverage yes--
Incident Forgiveness
yesyes
Loss of Use Coverage
yes--
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
No Fault Coverage
yesyes
Original Equipment Manufacturer Coverage
yes--
Personal/Upgraded Item Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Umbrella Policy
yesyes
Vanishing Deductible
yes--

Uber and Lyft driver insurance

  • Farmers
  • GEICO
  • Both

SR‌-22 Insurance by State

  • Farmers
  • GEICO
  • Both

Compare Insurance Products

ProductFarmers GEICO
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Earthquake InsuranceEarthquake Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyesyes
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Farmers Reviews
  • GEICO Reviews
3.4
5 Stars
37 %
4 Stars
17 %
3 Stars
15 %
2 Stars
8 %
1 Star
24 %

Most Positive Review

By Joe
They provided me with good service and whenever I needed to make a change in coverage they were very accommodating and when I had a claim they were very quick in taking care of it.

Most Critical Review

By Chesney
Farmers is the absolute worst insurance company around, their communication is poor, customer service is poor & they don’t seem to care about their customers needs

All Reviews

Showing 1 - 10 out of 506 Reviews
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Read reviews that mention

Terence A.Fomba
Please I wish to enquire if I can pay insurance using my name on my brother's car and drive with my international drivers licenses?
Sharon
Good agent
Jagtar
David
Farmers suck. If you are not at fault in an accident. You are on your own. They do nothing. We had to contact their insurance and all kind of rental car arrangements. They did nothing and they sucked.
David
We were in a car accident. The car was hit while my wife and I went for a walk in the park. The gentleman who hit the car was good enough to wait for us to return from our walk. He worked for the city of Maggie Valley. Farmers did nothing for us. We had to contact everyone because the party is as at fault.
Mirtha
Very expensive
Brenda
They were expensive.
Chris
Rates and coverage
Anis
Professional
Michael
They were always on top of everything I had to do with them. They were always quick to resolve issues and handle my claims. I felt secure with them as my insurance carrier
Showing 1 - 10 out of 506 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.