Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 8, 2021

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The Lowdown

  • GEICO has lower rates than State Farm
  • GEICO and State Farm have similar financial ratings
  • GEICO and State Farm both offer several discounts

GEICO and State Farm offer auto insurance to customers of all ages. GEICO has lower rates, but the two companies have been rated the same by A.M. Best and have similar discounts. Comparing GEICO vs. State Farm auto insurance will help you decide between these two companies.

Before comparing GEICO vs. State Farm auto insurance, enter your ZIP code to find the best auto insurance rates in your area.

GEICO vs. State Farm Auto Insurance: What are their rates?

Comparing GEICO vs. State Farm auto insurance rates is an excellent way of deciding between the two companies. The following chart shows the yearly rates of GEICO and State Farm based on age.

GEICO vs. State Farm Auto Insurance: Average Annual Rates by Age
AgeGEICO Average Annual RatesState Farm Average Annual Rates
20$1,438$2,379
30$1,218$2,379
40$1,189$1,587
50$1,160$1,558
60$1,065$1,485
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As you can see, a GEICO auto insurance quote is usually lower than State Farm, and rates are lower for older drivers.

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GEICO vs. State Farm Auto Insurance: What coverage is available?

GEICO and State Farm offer a variety of coverages customers can choose from, allowing you to tailor your policy to meet your auto insurance needs.

Coverages offered by GEICO and State Farm include:

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Rental car reimbursement

While GEICO and State Farm auto insurance primarily cover cars, trucks, and vans, they also offer coverage for other types of vehicles, including boat, RV, mobile home, and motorcycle insurance.

GEICO vs. State Farm Auto Insurance: What discounts are available?

GEICO and State Farm offer a variety of discounts. Most of these savings are attainable by driving responsibly and adding safety features to your vehicle.

Discounts offered by GEICO include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Anti-lock brake system
  • Airbags
  • Good driver
  • Military

State Farm’s discounts include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Airbags
  • Good driver
  • Driver training

Both of these companies offer more discounts than most competitors.

GEICO vs. State Farm Auto Insurance: What are their financial ratings?

Credit rating agencies evaluate the financial strength of auto insurance companies. These financial ratings determine the likelihood that the company will provide a payout when you file a claim.

GEICO has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These ratings are all described as superior. GEICO has some of the highest overall financial strength ratings in the industry.

A.M. Best and Moody’s have rated State Farm the same as GEICO. S&P gave the company an AA, a slightly lower grade than GEICO. Despite S&P providing a lower rating, these are still considered exceptional ratings for an auto insurance company.

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GEICO vs. State Farm Auto Insurance: Have they received any complaints?

Comparing GEICO vs. State Farm auto insurance company complaints is an excellent way of determining the quality of service you’ll receive. The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to list complaints on their websites.

At the time of this comparison, the BBB has received 2,812 complaints about GEICO over the past three years. The NAIC lists GEICO’s compliant index at 1.70, showing that it has received more complaints than other companies of a similar size.

The BBB has received 1,350 complaints about State Farm over the past three years. The NAIC lists State Farm’s complaint index at 1.45. While this is a better score than GEICO’s, it also demonstrates a higher volume of complaints than other similarly sized companies.

While GEICO and State Farm have both received a large number of complaints, looking over these grievances yourself can help you determine if this is something to be concerned about.

GEICO vs. State Farm Auto Insurance: Do they offer roadside assistance?

For some customers, roadside assistance is an important feature. Roadside assistance is helpful when you break down and require a tow or need a tire change. Both companies offer roadside assistance as an add-on, which will impact your State Farm or GEICO quote.

While the two companies offer nearly identical roadside assistance, the price of the feature is slightly different. GEICO offers roadside assistance to customers for $14 per year, and State Farm provides the add-on feature for $12 per year.

GEICO vs. State Farm Auto Insurance: Do they have a mobile app?

Both GEICO and State Farm offer a mobile app to assist policyholders when they’re on the road. These mobile apps allow customers to access identification cards, manage claims, and request roadside assistance.

While you can use your GEICO login or State Farm login to access your ID card on the mobile app, it’s still best to have a physical card you can use for proof of insurance. You might find yourself in an area lacking internet access, making it difficult to use the app.

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GEICO vs. State Farm Auto Insurance: How do you make a claim?

While finding affordable GEICO vs. State Farm auto insurance quotes is important, the ability to easily file a claim is essential.

Policyholders can make GEICO claims through the company’s website or the mobile app. Those more comfortable speaking with a representative can call the company’s customer service number at (800) 207-7847.

Similar to GEICO, policyholders can make State Farm claims through the company’s website or app. They can also call the State Farm claims department to receive personal service at (888) 559-1922.

GEICO vs. State Farm Auto Insurance: The Bottom Line

When deciding whether to buy GEICO vs. State Farm auto insurance, the decision primarily comes down to personal preference. They are the two largest auto insurance companies and have a lot of similarities. Comparing GEICO vs. State Farm auto insurance will help you make the right decision.

Now that you’ve compared GEICO vs. State Farm auto insurance, enter your ZIP code to find the top auto insurance quotes in your area.