Geico vs. State Farm Auto Insurance in 2025 (Side-by-Side Review)
Geico and State Farm offer competitive minimum coverage rates, with Geico starting at $43 and State Farm at $47 per month. Geico suits low-risk drivers, while State Farm fits high-risk drivers with DUIs. Geico vs. State Farm auto insurance offers mechanical breakdown and accident forgiveness.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Apr 29, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 29, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
18,154 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviewsCompare Geico vs. State Farm auto insurance, roadside assistance, and digital tools to see which provider benefits low-risk drivers or those with past violations.
Geico, a subsidiary of Berkshire Hathaway, offers nationwide coverage backed by strong financial stability. Check out our review of State Farm to find out more.
Geico vs. State Farm Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.4 | 4.3 |
| Business Reviews | 4.5 | 5.0 |
| Claim Processing | 4.8 | 4.3 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 4.4 | 5.0 |
| Coverage Value | 5.0 | 4.3 |
| Customer Satisfaction | 2.3 | 2.1 |
| Digital Experience | 5.0 | 4.5 |
| Discounts Available | 4.7 | 5.0 |
| Insurance Cost | 4.5 | 4.0 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 4.1 | 3.8 |
| Savings Potential | 4.5 | 4.4 |
| Geico Review | State Farm Review |
With below-average rates and a wide range of coverages, Geico also features the Auto Repair Xpress program, delivering fast, high-quality repairs exactly when drivers need them.
State Farm is available in 47 states, excluding CA, MA, and RI. Discounts can exceed 30%, though capped in NY and unavailable in excluded states. In NJ, State Farm Indemnity Company focuses solely on auto insurance. The app lets users manage policies, banking, roadside help, and claims with ease.
- Geico vs. State Farm auto insurance offers unique perks for drivers
- Geico provides fast repairs and mechanical breakdown coverage
- State Farm app supports claims, banking, and policy management
Keep reading to learn how to find affordable car insurance rates for Geico and State Farm, and enter your ZIP code to compare quotes from top-rated insurers in your area.
How Geico and State Farm Auto Insurance Rates Compare
Your State Farm and Geico quotes are shaped by key factors that affect car insurance rates, including age, gender, driving record, and credit score.
However, these are only a few of the factors that decide how affordable State Farm vs. Geico car insurance is for you, as rates can vary. First, let’s see how age, gender, and marital status affect your rates for Geico insurance vs. State Farm:
Geico vs. State Farm Full Coverage Auto Insurance Monthly Rates
| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $425 | $444 |
| 16-Year-Old Male | $445 | $498 |
| 30-Year-Old Female | $128 | $133 |
| 30-Year-Old Male | $124 | $147 |
| 45-Year-Old Female | $114 | $123 |
| 45-Year-Old Male | $114 | $123 |
| 60-Year-Old Female | $104 | $108 |
| 60-Year-Old Male | $106 | $108 |
As shown, Geico’s rates are cheaper for people of all ages, except for 17-year-old males. Compare auto insurance rates by age here. Your driving record is a big factor when it comes to calculating your rates. Drivers with accidents, speeding tickets, and DUIs on their records will pay higher rates.
Geico vs. State Farm Full Coverage Auto Insurance Monthly Rates by Driving Record
| Driver Profile | | |
|---|---|---|
| Clean Record | $114 | $123 |
| Not-At-Fault-Accident | $189 | $146 |
| Speeding Ticket | $151 | $137 |
| DUI/DWI | $309 | $160 |
Geico auto insurance rates are cheaper for all driving records, with the exception of those with DUIs. State Farm is cheaper if you have a DUI. Find out exactly what you’d pay for coverage in our Geico review.
Your credit score also plays a part in your auto insurance rates in most states. If you have a higher credit score, auto insurance companies believe you will be more likely to pay for damages out of pocket rather than filing a claim.
Geico vs. State Farm Full Coverage Auto Insurance Monthly Rates by Credit Score
| Credit Rating | |  |
|---|---|---|
| Excellent (741-850) | $203 | $181 |
| Good (670-740) | $249 | $238 |
| Fair (580-669) | $288 | $275 |
| Poor (300-579) | $355 | $413 |
If you have poor credit, Geico auto insurance quotes are cheaper. Otherwise, State Farm will offer you more affordable rates.
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Geico vs. State Farm: Auto Insurance Discounts
Look at how Geico vs. State Farm auto insurance discounts compare. Both companies offer savings for safe driving and anti-lock brakes, but Geico has extra special discounts. With State Farm and Geico, you can save up to 50% by taking advantage of car insurance discounts.
With Geico, you can get discounts for being in the military, having an emergency deployment, and having an anti-theft system. State Farm gives a 50% discount for using an app and also offers a 40% discount if your car is newer.
Other discounts, such as bundling and being a good student, can be quite different between the two companies. Take a look at the table below for a list of discounts that could lead to cheaper Geico versus State Farm quotes:
Geico vs. State Farm Auto Insurance Discounts by Savings Potential
| Discount Name | | |
|---|---|---|
| Anti-Lock Brakes | 5% | 5% |
| Anti-Theft | 25% | 15% |
| Bundling | 10% | 17% |
| Claim Free | 26% | 15% |
| Continuous Coverage | X | X |
| Daytime Running Lights | 1% | X |
| Defensive Driver | X | 5% |
| Distant Student | X | X |
| Driver's Ed | X | 15% |
| Driving Device/App | 25% | 50% |
| Early Signing | X | X |
| Emergency Deployment | 25% | X |
| Family Legacy | X | X |
| Farm Vehicle | X | X |
| Federal Employee | 8% | X |
| Full Payment | X | X |
| Good Student | 15% | 25% |
| Higher Education | X | X |
| Homeowner | X | 3% |
| Low Mileage | X | 30% |
| Loyalty | X | X |
| Married Couple | X | X |
| Membership/Group | X | X |
| Military | 15% | X |
| Multiple Vehicles | 25% | 20% |
| Newer Vehicle | X | 40% |
| Occupation | X | X |
| Paperless/Auto Billing | X | 2% |
| Passive Restraint | 40% | 40% |
| Safe Driver | 15% | 15% |
| Seat Belt Use | 15% | X |
| Students & Alumni | X | X |
| Utility Vehicle | X | X |
| Vehicle Recovery | 15% | 5% |
Both companies offer discounts, but there are some differences. For example, Geico offers an emergency deployment discount, but State Farm does not.
Consider how much you’ll pay for coverage after a discount. Just because one company has higher discount percentages doesn’t mean they have the cheapest rates after those discounts.
This may leave you wondering, “Is State Farm cheaper than Geico after discounts?” Check out the table below to compare Geico vs. State Farm prices before and after the most popular discounts:
Geico vs. State Farm Auto Insurance Discounts
| Discount | | |
|---|---|---|
| Anti-Theft | $108 | $121 |
| Bundling | $97 | $120 |
| Claims Free | $114 | $130 |
| Emergency Deployment | $88 | $115 |
| Good Student | $89 | $102 |
| Multi-Vehicle | $109 | $119 |
| New Vehicle | $103 | $117 |
| Passive Restraint | $106 | $121 |
| Safe Driver | $88 | $110 |
| Vehicle Recovery | $117 | $129 |
You should also ask about accident forgiveness before you file a claim with the Geico or State Farm claims department to minimize your rate increase. However, you’ll pay higher rates for this add-on.
If you’re a State Farm customer, use your State Farm login to get into your account and find out which discounts you may qualify for. While some discounts are applied automatically, others require you to request them.
Coverage Options With Geico vs. State Farm
State Farm vs. Geico car insurance offers a wide range of coverages to meet drivers’ needs, including essential choices like liability insurance. Check out the table below to see what coverages they offer:
Geico vs. State Farm Auto Insurance Coverage Options
| Coverage Type | | |
|---|---|---|
| Accident Forgiveness | ✅ | ❌ |
| Collision | ✅ | ✅ |
| Comprehensive | ✅ | ✅ |
| Custom Parts & Equipment (CPE) | ✅ | ✅ |
| Gap Insurance | ❌ | ❌ |
| Glass Coverage | ✅ | ✅ |
| Liability | ✅ | ✅ |
| Mechanical Breakdown (MBI) | ✅ | ❌ |
| Medical Payments (MedPay) | ✅ | ✅ |
| New Car Replacement | ❌ | ❌ |
| Personal Injury Protection (PIP) | ✅ | ✅ |
| Rental Reimbursement | ✅ | ✅ |
| Rideshare Insurance | ✅ | ✅ |
| Roadside Assistance | ✅ | ✅ |
| SR-22 Insurance | ✅ | ✅ |
| Uninsured/Underinsured Motorist | ✅ | ✅ |
While you can find coverages such as accident forgiveness and mechanical breakdown insurance (MBI) with Geico, you cannot buy these policies with State Farm.
Geico and State Farm coverage show big differences in policy features. Geico has accident forgiveness, so your rate stays unchanged after your first at-fault accident. They also offer mechanical breakdown insurance, which covers major repairs after the factory warranty expires.
Both providers offer basic protections, such as liability coverage for damage if you’re at fault, collision coverage for repair costs after a crash, and rideshare insurance for drivers of gig vehicles. However, neither provider offers gap insurance or new car replacement coverage.
Geico vs. State Farm: Customer Reviews and Ratings
The Better Business Bureau gives Geico and State Farm an A+ rating. J.D. Power, which ranks providers based on customer satisfaction, scores both companies as above average for most regions in the U.S.
Insurance Business Ratings & Consumer Reviews: Geico vs. State Farm Auto Insurance
| Agency | | |
|---|---|---|
 | Score: 692 / 1,000 Above Avg. Satisfaction | Score: 710 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 75/100 Positive Customer Feedback |
 | Score: 0.55 Fewer Complaints Than Avg. | Score: 0.78 Fewer Complaints Than Avg. |
 | Score: A++ Superior Financial Strength | Score: A++ Superior Financial Strength |
A.M. Best ranks insurance companies on their financial stability. Geico and State Farm received an A++ ranking. However, both companies remain top insurers with some of the highest premiums written.
While claims and financial stability are crucial, you may be curious what customers think about costs. In a discussion of Geico and State Farm on Reddit, one user with a State Farm auto insurance policy in Florida asked whether they should accept a $340 cheaper quote from Geico.
Another user, who claims to be a Geico employee, responded, saying online quotes don’t always have everything rated, and that they’ve seen rates change once a policy starts.
Geico auto insurance reviews like these help gain insight into customer experiences when comparing top providers. See our explanation of how to get fast and free auto insurance quotes here.
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State Farm Pros & Cons
Pros:
- Wide Agent Network: Unlike Geico, State Farm has various agencies across the U.S. ready to provide auto insurance policyholders with personalized support.
- Cheap High-Risk Coverage: DUI insurance coverage with State Farm vs. Geico car insurance is nearly 50% cheaper, costing around $112/mo for State Farm and $216/mo for Geico.
- Top Discount Options: State Farm has more savings opportunities than Geico, with discounts for vehicle safety, safe driving, and more. See our State Farm Drive Safe and Save review to save 50%.
Cons:
- Not Cheaper for Most: While State Farm has the cheapest rates for those with a DUI or ticket, Geico is still more affordable for most drivers. Find the cheapest insurance using our free quote tool.
- Few Digital Tools: State Farm’s strong agency network is ideal for in-person help, but its digital tools are lacking compared to Geico, which excels in online policy management, claims, and quotes.
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Geico Pros & Cons
Pros:
- Lower Rates: Geico offers the cheapest rates for most age groups and demographics, starting at $30/mo for minimum coverage.
- Best Online Resources: Operating primarily online, Geico’s website and mobile app offer a smoother experience than State Farm. Find tips to manage your auto insurance policy effectively here.
- Great Ratings: Geico’s NAIC complaint index is 0.55 vs. State Farm’s 0.78, reflecting higher satisfaction. Geico also holds an A++ financial strength rating from A.M. Best, while State Farm’s is a B.
Cons:
- Limited Local Support: Geico has a smaller network of agents vs. State Farm, making it more difficult for drivers who prefer support in person.
- Expensive for High-Risk Drivers: Though Geico has the cheapest insurance premiums overall, high-risk drivers with a DUI, ticket, or poor credit generally see higher rates with Geico.
Geico Car Insurance vs. State Farm: Find Your Best Deal Now
When comparing State Farm insurance vs. Geico, you’ll discover that both are among the best auto insurance companies with some key differences.
Is Geico too good to be true🤔? Low rates🤑 and high customer ratings seem like a good thing, but you’ll want to check out the review📊 at https://t.co/27f1xf1ARb. Read it all here👉: https://t.co/TDX3gZcV2Y pic.twitter.com/q20UpG70UK
— AutoInsurance.org (@AutoInsurance) December 21, 2023
For instance, Geico is the cheapest insurer for most drivers, while State Farm has great service and affordable high-risk insurance rates.
Geico vs. State Farm auto insurance often comes down to driver type. For example, Geico benefits low-risk drivers, while State Farm is better for DUIs.Ty Stewart Licensed Insurance Agent
Before you choose to buy Geico or State Farm auto insurance, enter your ZIP code to compare multiple car insurance companies in your area.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Is Geico or State Farm cheaper?
You may wonder, “Who is more expensive: State Farm or Geico?” While rates vary, Geico generally has cheaper rates than State Farm. Geico’s premiums start at $43 a month to meet minimum insurance requirements, while State Farm costs as little as $47 per month.
What factors should I consider when choosing between Geico and State Farm auto insurance?
When comparing Geico and State Farm insurance, it’s essential to consider factors such as coverage options, pricing, discounts, customer service, financial stability, and the overall reputation of each company. Receiving State Farm or Geico discounts can help with overall costs.
What types of coverage options are available with Geico and State Farm auto insurance?
Both Geico and State Farm offer a range of coverage options for auto insurance, including liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP).
They may also offer additional options such as roadside assistance and rental car coverage. Instantly compare Geico insurance vs. State Farm rates to find the cheapest policy for you with our quote comparison tool.
Do Geico and State Farm offer any unique features or benefits?
Geico and State Farm have their own unique features and benefits. For example, Geico is known for its online and mobile tools, competitive pricing, and fast claims process. State Farm, on the other hand, has a large network of agents and provides personalized service.
Is State Farm better than Geico?
A top question readers ask is, “Is Geico or State Farm better?” Determining whether State Farm or Geico is the best depends on your personal needs. See how to file an auto insurance claim and avoid common mistakes.
If you prefer personalized service, you may like State Farm’s local agent support and high customer satisfaction. On the other hand, Geico offers cheaper rates than State Farm in most cases and has more digital resources for managing your policy.
Where do State Farm and Geico rank among insurance providers in the U.S.?
State Farm and Geico rank as two of the top car insurers in America. Both companies have high ratings across the board, making them popular choices for auto insurance. State Farm is actually the largest auto insurance provider in the United States, and Geico is the second largest.
How is State Farm and Geico home insurance?
Like its car insurance, State Farm’s home insurance has more in-person support and coverage add-ons, though you may still see cheaper rates with Geico.
How should you compare Geico and The Hartford for auto insurance?
Geico typically offers lower monthly rates and wider nationwide availability, while The Hartford is best if you’re an AARP member seeking senior-focused benefits.
How is the customer service of Geico and State Farm?
Geico and State Farm are top auto insurance companies with the best customer service, though experiences may vary. When comparing providers, it’s good to read reviews about customer support and claims. For instance, search around for reviews of Geico vs. Travelers or Geico vs. Farmers if you’re considering those top companies.
What should you know when comparing Geico vs. Travelers?
Geico often has cheaper monthly premiums and stronger digital tools, while Travelers stands out for its customizable policies and extensive coverage endorsements.
Are Geico and Farmers a fair comparison for car insurance shoppers?
Yes, especially when comparing cost versus service. Geico offers lower monthly rates, but Farmers may be a better fit if you value local agents and policy bundling.
What makes Geico and Mercury different for auto insurance?
Geico generally offers better monthly rates and more discounts nationwide, while Mercury appeals to California drivers with competitive regional pricing.
Why is my Geico insurance so cheap?
Geico is the cheapest auto insurance company thanks to its streamlined online operations and various savings opportunities, such as discounts.
How do Geico and Safe Auto stack up for budget coverage?
Geico is typically more affordable, even for high-risk drivers, while Safe Auto focuses solely on state-minimum coverage for those needing immediate proof of insurance.
What can you expect when comparing Geico, Progressive, and State Farm?
Geico usually offers the lowest monthly rates, Progressive provides strong usage-based discounts, and State Farm is a top pick for high-risk drivers needing affordability.
How do you compare State Farm insurance rates effectively?
You should compare monthly quotes based on driving record, age, and credit score. State Farm typically starts at around $33 per month and tends to favor drivers with clean records or those who have had prior violations.
Who is State Farm’s biggest competitor?
State Farm and Geico are direct competitors as the two top auto insurers, with Progressive coming in at third. If you’d like to also compare State Farm, Geico, and Progressive, learn more in our review of Progressive insurance.
How should you compare State Farm or Geico prices?
You should compare State Farm vs. Geico prices by requesting quotes based on your age, driving history, and ZIP code—State Farm starts around $43 a month, while Geico starts near $47 a month for minimum coverage.
Where can you find the Geico phone number?
You can contact Geico by calling their main customer service number at 1-800-861-8380 for questions about your policy, to report a claim, or to request roadside assistance.
What should you consider when comparing State Farm and Progressive?
You should compare State Farm and Progressive based on available discounts, monthly rates, and usage-based programs—Progressive offers Snapshot, while State Farm offers Drive Safe & Save.
Is State Farm vs. The General a good match for high-risk drivers?
If you have a poor driving record, The General may approve you faster, but State Farm typically offers more affordable long-term monthly premiums with better coverage. Find out if you qualify for affordable high-risk auto insurance coverage.
Who are the main Geico competitors you should consider?
You should compare Geico’s competitors, such as State Farm, Progressive, Allstate, and Farmers, especially if you’re looking for lower monthly rates or more local agent support. Get personalized Geico vs. State Farm auto insurance quotes by entering your ZIP code today.
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
