Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 11, 2021

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Key Takeaways

  • State Farm car insurance rates are cheaper than GEICO on average
  • GEICO is cheaper if you have poor credit, a clean driving record, an accident, or a speeding ticket
  • GEICO and State Farm have similar financial ratings, but State Farm isn’t rated by the BBB

When it comes to car insurance companies, you have a lot to choose from. Even if you’re only looking for national companies with high market share, you can choose between GEICO, Progressive, State Farm, and many others. Compare them side by side to narrow down the best fit for you. To see which one works the best for you, we will look at GEICO vs. State Farm car insurance companies.

Take a look at the rates, discounts, financial ratings, and customer satisfaction ratings to see if either is right for you.

Before jumping into this GEICO vs. State Farm car insurance review, enter your ZIP code now to compare quotes from multiple companies today.

Is GEICO car insurance or State Farm car insurance cheaper?

It might surprise you to learn exactly what factors are used to determine your rates on auto insurance policies. State Farm and GEICO insurance quotes will be determined by many common factors such as your age, gender, driving history, and credit score. If you were in an at-fault accident, your rates will be much higher than someone with a clean driving record. If you’re insuring a teen driver, that could easily double your rates with many auto insurance companies.

These factors are just a few that are used to determine just how affordable GEICO vs. State Farm car insurance is for you. However, rates will vary by driver. Before you commit to anything, you should always get a few quotes. This is especially true for high-risk drivers. Your cheapest insurance option may not always be what you expect, and the cheapest option may not be the best.

First, let’s look at how your age, gender, and marital status affect your GEICO vs. State Farm car insurance rates.

GEICO vs. State Farm Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesState Farm Average Annual Rates
Single 17-year-old female$5,405.23$4,875.91
Single 17-year-old male$5,955.63$6,130.77
Single 25-year-old female$2,312.93$1,979.45
Single 25-year old male$2,171.06$2,176.45
Married 35-year-old female$2,253.30$1,734.93
Married 35-year-old male$2,237.96$1,734.93
Married 60-year-old female$2,107.40$1,558.06
Married 60-year-old male$2,188.44$1,558.06
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State Farm rates are cheaper for all ages, except for 17-year-old males.

Your driving record is a big factor when it comes to calculating your rates. Drivers with a habit of risky driving, such as accidents, speeding, and DUIs, will pay higher rates.

GEICO vs. State Farm Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesState Farm Average Annual Rates
Clean record$2,145.96$2,821.18
With 1 accident$3,192.77$3,396.01
With 1 DUI$4,875.87$3,636.80
With 1 speeding violation$2,645.43$3,186.01
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GEICO car insurance rates are cheaper for all driving records, with the exception of DUIs. State Farm is cheaper if you have a DUI.

Your credit score also plays a part in your car insurance rates in most states. If you have a higher credit score, car insurance companies believe you will be more likely not to file a claim and just pay for damages out of pocket.

GEICO vs. State Farm Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesState Farm Average Annual Rates
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If you have poor credit, GEICO has much cheaper car insurance rates. Otherwise, State Farm is yet again the cheapest insurance company between the two sides.

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Does GEICO or State Farm have better car insurance discounts?

Car insurance discounts can save you lots of money. Most car insurance companies offer many different kinds of discounts. So there’s something for everyone. Common discounts include multi-car, multi-policy, and your occupation.

Take a look at this table that shows you discounts you could expect to see on your State Farm or GEICO quotes. If the amount of the discount is available, it is included.

GEICO vs. State Farm Car Insurance Discounts
Car Insurance DiscountsGEICO (%)State Farm (%)
Anti-lock Brakes55
Claim Free2615
Continuous CoveragexN/A
Daytime Running Lights1N/A
Defensive Driverx5
Distant Studentxx
Driver's Edx15
Driving Device/Appx50
Early SigningxN/A
Emergency Deployment25N/A
Family LegacyxN/A
Farm VehiclexN/A
Federal Employee8N/A
Full PaymentxN/A
Further EducationxN/A
Good CreditN/Ax
Good Student1525
Low Mileagex30
Multiple Policies1017
Multiple Vehicles2520
Newer Vehiclex40
Paperless/Auto BillingN/A$2
Passive Restraint4040
Safe Driver1515
Seat Belt Use15N/A
Students & AlumnixN/A
Utility VehiclexN/A
Vehicle Recovery155
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Both companies offer discounts but some are only offered at one company. For example, GEICO offers a continuous coverage discount and State Farm doesn’t. State Farm offers a married discount and GEICO doesn’t.

When you compare GEICO vs. State Farm car insurance quotes, ask for any eligible discounts.

How do GEICO and State Farm compare in financial strength and customer satisfaction?

A.M. Best ranks insurance companies on their financial stability. It gives GEICO an A++ ranking, and State Farm gets an A+ ranking. Both companies have a superior ability to meet their financial obligations.

The Better Business Bureau gives GEICO an A+ rating. However, State Farm is not rated.

J.D. Power ranked GEICO and State Farm on customer satisfaction, based on pricing, billing, claims, and what is offered by each company. Both companies scored above average for most regions in the U.S.

GEICO and State Farm both have apps and websites that allow you to access your account, pay bills, and get your proof of insurance. You can also get State Farm and GEICO free quotes online. While State Farm has captive agents across the country who quote the majority of their policies, Geico sells policies almost exclusively through automated quotes. Both companies have high customer satisfaction ratings.

You can contact GEICO customer service at 1-800-207-7847. The State Farm number is 1-800-782-8332.

Can I get GEICO or State Farm insurance near me? Yes, both companies offer coverage in all 50 states.

Read our GEICO car insurance review and our State Farm car insurance review to learn more about each company.

Is GEICO or State Farm The Right Auto Insurance for You?

Deciding if you want to buy GEICO vs. State Farm car insurance can be difficult. Look at rates, discounts, and ratings to see if either is best for you. Consider looking at additional companies to see who has the best fit for you.

Now that you’ve finished this GEICO vs. State Farm review, enter your ZIP code now to compare quotes from multiple companies near you for free. If you have more questions, you can reach out to individual companies. You can see your insurance premium up front to decide who you want to spend more time with.