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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, makes buying a policy quick and affordable for many drivers. State Farm offers extra savings through discounts and its Drive Safe & Save program. Both stay close in price with State Farm averaging $16 per month less in our independent rate analysis.

Who’s the winner, Geico or State Farm?

The final choice here will be based on your specific policy needs. Geico focuses on a streamlined online and app experience, while State Farm offers personal service through agents. Geico gives steep discounts for multi-vehicle polices, while State Farm discounts for bundling a wide range of policies.

State Farm also provides helpful discounts for its customers, including its Drive Safe & Save program and vehicle safety discounts, among others. Geico offers competitive rates and multiple stackable discounts to lower premiums for customers. And its award-winning app puts support at your fingertips. J.D. Power gives both insurance providers a 3 out of 5 rating for overall customer satisfaction with the claims process.

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.

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.

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

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.
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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