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

Geico vs. Farmers

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Fact checked

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.

Our top pick: Farmers

Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.

  • Plenty of discounts
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents across the US
  • Get rewarded for good driving habits
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents
 

Geico

Farmers

OVERVIEW

OVERVIEW
About the provider
About the brand Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Agent
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
custom
12 months
custom
Monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes
Bundling discount
Bundling discount Varies Yes
Home owner discount
Home owner discount No Yes
Military discount
Military discount Yes, up to 15% No
Multi car discount
Multi car discount Yes, up to 25% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Safe driver discount
Safe driver discount Varies Yes
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes, up to 15% Yes
Usage based discount
Usage based discount No No
Learn more
Learn more

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. If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Geico and Farmers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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