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Geico vs. State Farm: Which provider is better?

Geico vs. State Farm

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Both Geico and State Farm offer coverage variety and mid-tier customer service ratings. Geico, the second-largest US auto insurer, offers competitive rates and stackable discounts to lower premiums for customers. And its award-winning app puts support at your fingertips. State Farm offers local agents and policy savings through discounts and its Drive Safe & Save program.

With so many similarities, how do you choose? We put Geico and State Farm side by side to help you find the best option to suit your personal situation.

Who’s the winner, Geico or State Farm?

In Finder’s independent analysis of car insurance rates, State Farm offered cheaper car insurance rates, averaging $197 less per year than Geico. When considering age groups, State Farm also cost less than Geico, except for some drivers at age 25 where Geico might come in cheaper.

Cost aside, the final choice here will depend on your specific policy needs. Geico works best for those who enjoy a streamlined online and app experience. State Farm works best for customers wanting local agent customer service.

Our top pick: State Farm

Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232.

  • Service with a personal feel through dedicated agents
  • Bundle multiple policies or vehicles to save up to 20%
  • No. 1 for personal auto insurance by market share, suggesting satisfied customers
 

Geico

State Farm

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. Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
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
6 months
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, Up to 20%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes, up to 40%
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, Up to 25%
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

You might choose Sate Farm if you’re a student looking for a way to bring the cost of your insurance down. Its 25% good student discount offers more savings than Geico’s 15% good student discount. But if you’ve served our country, Geico rewards veterans and active-duty military with up to a 15% discount. Military policyholders may also qualify for a discount if they’re part of an emergency deployment to an imminent-danger zone.

Compare alternatives to< Geico and State Farm/h3>

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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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