Geico vs. State Farm: Which provider is better? | finder.com

Geico vs. State Farm: Which provider is better?

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Geico vs. State Farm

Geico, the second-largest insurance company in the US, offers a streamlined process for purchasing insurance, making it easy, quick and affordable. And its award-winning app puts help at your fingertips. Geico also offers opportunities to bring down the cost of your premium with a military discount for servicemembers and a multi-car discount for those who need to insure more than one car.

Like Geico, State Farm also provides discounts for its customers, including its Drive Safe & Save program and a vehicle safety discount, among others. J.D. Power gives both insurance providers a 3 out of 5 rating in overall satisfaction with the claims process. But with so many similarities, how do you choose? We put Geico and State Farm side by side to make comparing the two easier, allowing you to make a decision that best suits your personal situation.

  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states

Our top pick: State Farm

Get personalized, one-on-one support from your local State Farm agent.

  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states
Promoted
Geico

Geico

StateFarm

StateFarm

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. Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list.
Price Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs. Policy costs depend your personal situation. Visit StateFarm for a quote based on your specific needs.
States served All 50 states All 50 states
User satisfaction* N/A B+
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


Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Driver discounts

Geico

Geico

StateFarm

StateFarm

Good student 15% (full-time student, between 16-24 and B average or better) Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driver
Good driver Up to 26% (5 years accident-free) Yes (3 years no moving violations or at-fault accidents)
Pay in full discount
Multicar Up to 25% Up to 20% (two or more vehicles in household)
Military Up to 15% (active duty, retired or 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)

Driving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app


Vehicle discounts

Geico

Geico

StateFarm

StateFarm

Anti-theft device Up to 25% (comprehensive portion of premium)
Anti-lock brake 5% (collision portion of premium)
Passive restraints N/A Up to 40% (medical-related coverage, vehicle made in 1994 or later)
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

Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)

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
Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site