GEICO vs State Farm Car Insurance

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Ratings

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

State Farm
88
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Insurify Composite Score

GEICO VS State Farm
88
88
What is this?
User Ratings
OptionsGEICO State Farm
Rating/Reviews
3,736 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO State Farm
Call Center RepresentativeAbout average--
Insurer WebsiteAmong the bestThe rest
Local AgentThe restAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostAbout average
PricingBetter than mostThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO State Farm
Claim ServicingBetter than mostAbout average
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionBetter than mostAbout average
Rental ExperienceBetter than mostAbout average
Repair ProcessAbout averageAbout average
SettlementBetter than mostAbout average
J.D. Power Ratings by Region (out of 1000)
RegionGEICO State Farm
California807 pt
About average
813 pt
About average
Central838 pt
Better than most
824 pt
About average
Florida832 pt
Better than most
798 pt
The rest
Mid-Atlantic848 pt
Better than most
826 pt
The rest
New England827 pt
About average
838 pt
Better than most
New York813 pt
About average
820 pt
About average
North Central830 pt
About average
840 pt
Better than most
Northwest805 pt
About average
817 pt
About average
Southeast839 pt
About average
821 pt
About average
Southwest798 pt
The rest
829 pt
Better than most
Texas816 pt
The rest
816 pt
The rest
Mobile App Ratings
RegionGEICO State Farm
Android
147,062 Reviews
12,082 Reviews
iOS
446,400 Reviews
288 Reviews
Financial Ratings
OptionsGEICO State Farm
A.M. BestA++A++
FitchAA---
Moody'sAa3Aa1
Standard & Poor'sAA+AA

Auto Insurance Quotes

For Married Drivers

CityGEICO State Farm
Austin$59$52
Chicago$67$54
Philadelphia$88$73
Phoenix$38$72
Santa Monica$48$81

For Single Drivers

CityGEICO State Farm
Austin$62$54
Chicago$68$54
Philadelphia$92$74
Phoenix$44$64
Santa Monica$129$117

For Male Drivers

CityGEICO State Farm
Austin$59$52
Chicago$71$53
Philadelphia$92$72
Phoenix$42$63
Santa Monica$123$116

For Female Drivers

CityGEICO State Farm
Austin$62$54
Chicago$64$56
Philadelphia$87$76
Phoenix$40$73
Santa Monica$53$83

For Drivers with Speeding Ticket

CityGEICO State Farm
Austin$74$66
Chicago$92$60
Philadelphia$128$84
Phoenix$64$74
Santa Monica$141$187

For Drivers with No Speeding Ticket

CityGEICO State Farm
Austin$58$50
Chicago$62$53
Philadelphia$84$73
Phoenix$36$67
Santa Monica$77$80

For Drivers Age Between 18-40

CityGEICO State Farm
Austin$63$56
Chicago$71$55
Philadelphia$98$76
Phoenix$45$65
Santa Monica$149$132

For Drivers Age Between 40-65

CityGEICO State Farm
Austin$54$50
Chicago$61$51
Philadelphia$79$69
Phoenix$35$68
Santa Monica$40$79

For Drivers Age of 65+

CityGEICO State Farm
Austin$75$52
Chicago$78$62
Philadelphia$99$84
Phoenix$48$80
Santa Monica$41$55

For Drivers with Average Credit

CityGEICO State Farm
Austin$68$60
Chicago$70$62
Philadelphia$94$84
Phoenix$43$80
Santa Monica$76$95

For Drivers with Fair Credit

CityGEICO State Farm
Austin$71$58
Chicago$74$60
Philadelphia$104$81
Phoenix$43$90
Santa Monica$56$81

For Drivers with Good Credit

CityGEICO State Farm
Austin$55$52
Chicago$66$53
Philadelphia$84$72
Phoenix$37$62
Santa Monica$60$89

For Drivers with Excellent Credit

CityGEICO State Farm
Austin$48$42
Chicago$60$43
Philadelphia$77$59
Phoenix$41$39
Santa Monica$161$131

Quotes & Discounts

Discount typeGEICO State Farm
Good Driver DiscountUp to 26%Up to 25%
Anti-Theft Device DiscountUp to 25%Up to 15%
Emergency Deployment DiscountUp to 25%--
Federal Employee DiscountUp to 25%--
Passive Restraint DiscountUp to 25%Up to 40%
Good Student DiscountUp to 15%Up to 25%
Military DiscountUp to 15%Varies
Seat Belt Use DiscountUp to 15%--
Anti-lock Brake DiscountUp to 5%Up to 20%
Daytime Running Lights DiscountUp to 3%Varies
Accident Free DiscountVariesUp to 15%
Defensive Driver DiscountVariesUp to 5%
Driving training discountVariesVaries
Multiple Policy DiscountVariesUp to 17%
Multiple Vehicle DiscountVariesUp to 20%
Organization DiscountVaries--
Senior Adult DiscountVariesVaries
teenSMART DiscountVariesUp to 15%
Claims Free Renewal Discount--Varies
Driving Habits Discount--Up to 30%
Good Credit Discount--Up to 80%
Home Owner Discount--Varies
Low Mileage Discount--Up to 10%
Loyalty Discount--Varies
Mature driver discount--Varies
New Car Discount--Up to 40%
Student Away at School Discount--Varies
Travelink Discount--Varies

Payment Methods

Discount typeGEICO State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
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
yes--
Online Payment
--yes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesGEICO State Farm
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Glass Coverage --yes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yesyes
No Fault Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • GEICO
  • State Farm
  • Both

SR‌-22 Insurance by State

  • GEICO
  • State Farm
  • Both

Compare Insurance Products

ProductGEICO State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyesyes
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Snowmobile insuranceSnowmobile insurance--yes
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • GEICO Reviews
  • State Farm Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

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Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 reviews