Geico car insurance vs. State Farm car insurance: which is better? From the list of well-known auto insurance providers, Geico and State Farm are among the largest car insurance companies in the United States and are popular options for car owners and drivers.
However, when selecting a car or auto insurance policy, this comes down to considering various factors like customer service or support, coverage, and cost. Meanwhile, these two car insurance companies provide various coverage options and features that meet different drivers’ needs.
Geico is well-known and prominent for its competitive prices, combative marketing, and ensuring convenience and affordability. On the other hand, State Farm has a wide network of agents and pays more attention to customized service and vast coverage options. Meanwhile, in this article, we will be finding answers to the most frequently asked questions by drivers about which is a better choice between Geico and State Farm car insurance.
Geico Car Insurance vs. State Farm Car Insurance: Which Is Better?
Undoubtedly, both Geico and State Farm car insurance have weaknesses and strengths that can influence the answer to which one is a better choice for you and your driving needs. The main strength of Geico car insurance is complete affordable insurance rates. Meanwhile, Geico’s weakness is in its small coverage offerings or options.
On the other hand, State Farm has lower complaints levels, unlike Geico. However, their average prices are more expensive and pricier than Geico for most types of drivers. In other words, in terms of comparison, this is a weakness.
Unlike Geico, State Farm provides fitter average insurance rates for drivers and car owners with DUI records. Similarly, State Farm is also lacking in terms of coverage options like Geico. In addition to this, Both Geico and State Farm did exceedingly well in the best car insurance companies’ evaluation with a score of 4.0 stars for State Farm and 4.5 stars for Geico. Geico also received high marks for its low and affordable insurance rates for most types of drivers.
Geico Car Insurance vs. State Farm Car Insurance: Which Is Cheaper?
When it comes to pricing and affordability, Geico is far cheaper than State Farm, especially for different types of drivers. Generally, Geico offers lower rates for teen drivers as well as drivers with poor credit and speeding tickets. On the other hand, State Farm rates are cheaper for drivers with DUIs.
| Driver Type | Which is Cheaper? | Geico’s Annual Rate | State Farm’s Annual Rate |
| Teens | Geico | $4,537 | $5,692 |
| Average drivers | Geico | $4,537 | $2,427 |
| Drivers with DUIs | State Farm | $3,688 | $3,296 |
| Drivers with speeding tickets | Geico | $2,061 | $2,768 |
| Drivers with poor credit score | Geico | $2,328 | $3,372 |
| Senior drivers aged 70 and 80 | Geico | $2,085 | $2,057 |
Geico Car Insurance vs. State Farm Car Insurance: Discounts
Both Geico and State Farm car insurance offer substantial discount selections. Although some auto insurance discounts overlap, State Farm provides few discounts, unlike Geico which offers safety features discounts, driver affiliations, and military and federal employees.
| Discounts | Geico | State Farm |
| Accident-free | Yes | Yes |
| Daytime running lights | Yes | No |
| Military | Yes | No |
| Vehicle safety | No | Yes |
| Anti-lock brakes | Yes | Yes |
| Multiple car | Yes | Yes |
| Online quotes and signing up | No | No |
| Distant student | No | Yes |
| Defensive driving | Yes | Yes |
| Anti-theft | Yes | Yes |
| Membership and employee | Yes | No |
| Seat belt use | Yes | No |
| Emergency deployment | Yes | No |
| Bundling | Yes | Yes |
| Federal employee | Yes | No |
| Paperless billing | No | No |
| Good student | Yes | Yes |
| Driving training | Yes | Yes |
| New Vehicle | Yes | No |
State Farm Vs. Geico Car Insurance: Coverage Comparison
Here is a table showing the car insurance coverage options provided by Geico Car Insurance and State Farm Car Insurance to provide a comparison:
| Coverage | Geico | State Farm |
| Bodily Injury Liability | Yes | Yes |
| Collision | Yes | Yes |
| Property Damage Liability | Yes | Yes |
| Roadside Assistance | Yes | Yes |
| Comprehensive | Yes | Yes |
| Travel Expense Coverage | No | Yes |
| Personal Injury Protection | Yes | Yes |
| Medical Payments | Yes | Yes |
| Mechanical Breakdown Insurance | Yes | No |
| Rental Car Reimbursement | Yes | Yes |
| Underinsured Motorist/ Uninsured Motorist | Yes | Yes |
| Rideshare Insurance | Yes | Yes |
| Usage-based Insurance | Available in all states except Massachusetts, Rhode Island, California, and New York | Available in 28 states, including the District of Columbia |
Geico vs. State Farm: Bundling Options
Yes, both Geico and State Farm offer auto and home insurance bundling discounts. However, bigger discounts are offered by State Farm. Bundling discounts, for those who do not know, is when a policyholder has more than one policy type with the same insurance provider.
The average discount of Geico for bundling car and home insurance is 8% while State Farm’s average is 23%.
| Bundle Plan | Geico | State Farm |
| Auto and renters | Yes | Yes |
| Auto and Home | Yes | Yes |
| Auto and Life | No | Yes |
| Auto and Condo | Yes | Yes |
Geico Car Insurance vs. State Farm Car Insurance: Customer Experience
State Farm and Geico provide the best customer experience for drivers. Besides, in the J.D. Power Auto Insurance Study, both providers had high rankings in different parts of the United States. State Farm is ranked first among different companies in Southwest and Florida. On the other hand, Geico is ranked first in New England. This shows that for the best usage-based insurance, both insurance companies are tied for number one.
The Bottom Line
After a careful comparison of both Geico and State Farm Car Insurance, both insurers are quite reputable when it comes to coverage. Meanwhile, for a wide range of coverage options, strength in the industry, and affordability, Geico is taking the crown. For benefits for young drivers and excellent customer experience, State Farm has the crown.