Geico vs. State Farm Car Insurance

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Geico vs State Farm: Which Car Insurance Company Is The Right Choice For You?

It can be challenging to choose the right company for auto insurance. Certain factors, such as age, driving history, discounts, and location, can all affect the rates that you'll have to pay. Most people in the US will choose Geico or State Farm, as they are two of the most well-known companies that provide auto insurance.

At InsuranceOnline.com, we've researched to find the average costs that you'll have to pay with Geico and State Farm insurance. Age, credit ratings, driving behavior, etc. can affect the price of your policy. Choose the coverage that suits you best based on these rates. If you need more information on Geico and State Farm, you can read our comprehensive reviews for more details.

Compare Geico vs. State Farm Auto Insurance Rates

Geico vs. State Farm: Rates by Credit Score

Geico is your best bet if you have poor credit. For people with a credit score of 579 or lower, the premiums provided by Geico are much better than what State Farm offers. For those with a score of 800 or higher, Geico is still the better option, as the rates are cheaper per year by about $196. Take a look at the following insurance rates, shared by both companies.

RATES BY CREDIT SCORE: State Farm vs. Geico
Credit level Geico avg. annual premium State Farm avg. annual premium
Very Poor (300-579) $2,053 $3,525
Fair (580-669) $1,354 $2,001
Good (670-739) $1,488 $1,615
Very Good (740-799) $1,122 $1,453
Exceptional (800-850) $1,062 $1,261

Geico vs. State Farm: Rates for High Risk Drivers

Geico still might be better than State Farm if you have DUIs, tickets, accidents caused by you, or reckless driving infractions on your driving history. The pricing structure for each company after a violation is different, so a quote comparison will be necessary before you choose which insurance company you should go with.

RATES FOR HIGH RISK DRIVERS: State Farm Vs. Geico
Violation Geico avg. annual premium State Farm avg. annual premium
At-Fault Accident (<$1,000 in Damages) $1,855 $2,847
At-Fault Accident (>$1,000 in Damages) $1,583 $1,527
DWI/DUI $2,552 $3,850
Reckless Driving $2,236 $2,891
Speeding ticket $1,397 $1,985

Geico vs. State Farm: Rates by Age

Premiums are priced on a sliding scale, with the age of the driver affecting them based on possible risk. Teens generally have the most expensive insurance policies because they lack the experience of older drivers. Drivers that are 25 years old and above will have more affordable policies. Age bracket evaluation will differ between companies, meaning that rate comparisons are necessary to find the best prices.

Savings with Geico for teens are around $2,312, which are better than what they can get from State Farm, making Geico the preferable option for teen drivers.

COMPARE RATES BY AGE: State Farm Vs. Geico
Age tier Geico avg. annual premium State Farm avg. annual premium
Teens $3,505 $5,817
20s $1,424 $2,376
30s $1,186 $2,374
40s $1,186 $1,585
50s $1,166 $1,553
60s $1,062 $1,488

Geico and State Farm have positives and negatives associated with them, regardless of how affordable they are. Ratings from customers based on satisfaction, discount programs, financial stability, and add-ons are all things to consider from both companies. Shopping around is a must before coming to a final decision.

Discount Geico State Farm
Good Student
Multiply Policy
Multiple Vehicle
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bag
Good Driver
Defensive Driver
Student Away At School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings Comparison Geico State Farm
Financial Strength  Superior Superior
JD Power Rankings 
3 out of 5
3 out of 5
User Satisfaction 
N/A
A++
Discount Comparison Geico State Farm
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Other Features Geico State Farm
About Instead of using independent agents, Geico uses a direct-to-consumer approach to get customers the coverage and service they deserve. State Farm has the protection you need at an affordable price. Custom coverage options, packages, and discounts are all available to drivers.
Roadside Assistance Drivers can request Emergency Roadside Service from Geico using a mobile app. Geico offers services such as towing, gas tank refills, jumpstarts, etc. In the event of a road emergency, you can use State Farm's Emergency Road Service. The service takes care of breakdowns, fuel delivery, towing, tire changes, jump starts, and even locksmiths.
Additional Discounts Vehicles that have daytime running lights are eligible for a discount. Accident forgiveness is also a policy that Geico exercises. Vehicles produced from 1994 or before can receive a special discount. The vehicle's loss experience will come into play when deciding if the discount is applicable.
Recent Questions Geico State Farm
For an 18-year-old with a used car, what is the best way to proceed when buying auto insurance?

Individual policies for 18-year-olds are quite expensive, which makes them an option that people want to avoid. When compared to the national average, these policies cost $3,400 more than usual. Luckily, as a parent, you have the option of adding an 18-year-old to your insurance policy, which costs considerably less.

I'm removing my son from my policy and selling his car because he got a DUI. Is this something that I need to report to Geico?

You must file a claim if you plan to use your insurance for any repairs. Your insurance rates will take a hit from the claim, but removing or leaving your son on the policy will change nothing. The DUI, as well as the accident, would cause your insurance rates to increase. Be sure to ask if you have more questions.

After an accident has already occurred, can I receive accident forgiveness?

Unfortunately, this accident can't be taken from your record and forgiven. Each company has specific rules about how accidents are overlooked, with the general rule being that a period of a few years without accidents must be achieved before accident forgiveness can be utilized.

Does Geico provide quote matching?

Quotes provided by other insurance companies aren't taken into account when companies make their rates. Instead, they use a multitude of factors for quotes.

Will I be repaid by State Farm the cost of my car being towed if an apartment complex did it?

Towing is only covered by roadside assistance if you are the one towing the vehicle. Vehicles that are towed because of incorrect parking will not have their costs covered.

Why did State Farm increase my premium?

State Farm is the only one that can explain increases in insurance rates. There aren't any specific laws in California that would lead to a rate increase, so the increase must be based on a particular policy.

My CLUE report features a claim that that was initiated by me but canceled. Even though no payout was given, why does it still show up on the report?

Insurance companies will list claims on CLUE reports once the process has started. Even though no resolution was provided for the claim, it still makes its way to your claim history via LexisNexis. If you contact State Farm, there is a chance that they may remove it, but there's no other way to go about having the claim removed.

Is quote matching with other companies done by State Farm?

Sadly, like other car insurance companies, State Farm doesn't do this. Rather than looking at what other companies are providing to create their rates, companies like State Farm will pay attention to a filing made in previous years. Many important factors weigh heavily in insurance rates.