Geico vs. Farmers: Which provider is better?

Geico vs. Farmers: Which provider is right for you?

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Geico vs. Farmers

Trying to decide between Geico and Farmers? Geico, the second-largest insurance company in the US, has been providing insurance to drivers since 1936, while Farmers has been in the insurance industry since 1928. Both companies make insurance affordable by offering driver and vehicle discounts. And both companies get a 3 out of 5 rating from J.D. Power.

But which insurer is right for you? Take a look at our side-by-side comparison of Geico and Farmers below, and you’ll find the info you need to pick the one that best suits your needs.

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Compare the best car insurance companies near you.

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Geico

Geico

Farmers

Farmers

About the provider Geico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind. “Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to ensure that customers have peace of mind with its award-winning Farmers Claim Services.
Price Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs. Policy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* N/A A-
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Geico

Geico

Farmers

Farmers

Good student 15% (full-time student, between 16-24 and B average or better) B average or 3.0 GPA or higher
Defensive driver
Good driver Up to 26% (5 years accident-free)
Pay in full discount
Multicar Up to 25%
Military Up to 15% (active duty, retired of member of the National guard or Reserves)
Homeowner
Other discounts

Federal employee – Up to 8%

Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces)

Multi-policy / Multi-line discount – Varies

Membership and employee discount – Varies

Seat belt use – 15% (medical payments or personal injury portion of premium)

Distant students – 23 or younger, 100+ miles away from home

Teen driver – Single licensed driver under 19

Youthful driver – Driver under 25 in the household

Transfer discount – Switch to Farmers with no lapse in coverage


Vehicle discounts

Geico

Geico

Farmers

Farmers

Anti-theft device Up to 25% (comprehensive portion of premium)
Anti-lock brake 5% (collision portion of premium)
Passive restraints N/A
Air bag Up to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)
Other discounts

Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

Bottom line

If you’re an active or retired member of the military, Geico might be the best provider for you. They provide up to a 15% discount for those who serve our country. But if you’re looking for a discount for being a homeowner, Farmers is the way to go. As always, keep your personal situation in mind when weighing the benefits of each provider, and you’ll make the right decision.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

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