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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
When choosing between State Farm and GEICO, drivers face a clear trade-off between cost and service approach. Both companies offer comprehensive coverage options and have strong reputations, but the right one for you depends on your preferences.
State Farm has an extensive network of local agents providing personalized service, while GEICO focuses on competitive pricing and a digital-first customer experience. Both auto insurers maintain excellent financial stability and offer a variety of coverage options to meet the needs of different drivers.
This guide will help you determine which company best suits your priorities and budget.
State Farm earns our top Compare.com Rating, but GEICO isn’t far behind.
GEICO typically offers lower average rates than State Farm, making it a good choice for budget-conscious drivers who still want quality coverage.
Both companies have A++ (Superior) financial strength ratings from AM Best, which means you know they’ll be able to pay claims.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO built its reputation on providing affordable car insurance through streamlined, direct sales. The company offers competitive rates averaging $138 monthly for full coverage, which is lower than many major insurers.
GEICO’s DriveEasy usage-based program can save safe drivers 5% to 15%, though risky driving may increase rates. The company’s digital-first approach means it has excellent online and mobile tools but limited face-to-face interaction from agents.
Lower average premiums
Fast online quote process
Digital tools available 24/7
Limited local agent network
Higher rate increases reported
Less personalized service
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm emphasizes personal relationships through its network of over 19,000 local agents nationwide. The company has served customers since 1922 and currently manages more than 96 million policies.
State Farm’s Drive Safe & Save program offers up to 30% savings for safe driving, while its Steer Clear program helps young drivers earn discounts while developing better driving habits. The company also provides extensive bundling opportunities with home, renters, and other insurance products.
Highest customer satisfaction ratings
Extensive agent network
Comprehensive discount programs
May have higher average rates
Traditional service approach
Limited digital tools
When choosing an insurance company, you should evaluate cost, customer satisfaction, policy management, availability, and industry reputation. These factors directly affect your experience and the value you get from your coverage.
The following table shows how these two companies compare across five main categories, according to Compare.com analysis.
Category  | GEICO | State Farm |
|---|---|---|
| Cost | 4.3/5 | 5.0/5 |
| Customer satisfaction | 3.7/5 | 4.7/5 |
| Policy management | 4.8/5 | 5.0/5 |
| Availability | 5.0/5 | 5.0/5 |
| Industry reputation | 4.7/5 | 5.0/5 |
| Compare.com Rating | 4.93/5 | 5.00/5 |
State Farm edges out GEICO in most categories, particularly customer satisfaction and cost. While GEICO’s digital tools help it excel in policy management, State Farm’s comprehensive approach to customer service and competitive pricing gives it the advantage.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Insurance rates vary significantly from one driver to the next based on factors like age, location, driving record, credit history, and vehicle type. The cheapest insurer for one person may not be the cheapest for another, which is why comparison shopping is essential.
If you finance or lease your car, your lender or leasing company usually requires you to buy full-coverage insurance to protect their investment in the vehicle. Full-coverage policies typically include liability, collision, and comprehensive coverage.
The following table compares average full-coverage rates between State Farm, GEICO, and the industry overall, based on Compare.com data.
Driver Type | GEICO | State Farm | Industry Average |
|---|---|---|---|
| All drivers | $138 | $109 | $177 |
| Teens | $246 | $220 | $339 |
| Seniors | $101 | $79 | $151 |
| Recent ticket | $185 | $135 | $223 |
| Recent accident | $166 | $139 | $232 |
| DUI conviction | $187 | $158 | $257 |
| Poor credit | $168 | $174 | $215 |
Policies start as low as $38 per month.
Insurance rates vary from state to state due to local factors like traffic patterns, weather conditions, insurance regulations, and accident frequencies.
The following table shows how average rates for State Farm and GEICO compare by state, according to Compare.com data.
State | GEICO | State Farm |
|---|---|---|
| Alabama | $137 | $93 |
| Alaska | $144 | $139 |
| Arizona | $164 | $134 |
| Arkansas | $129 | $85 |
| California | $197 | $279 |
| Colorado | $174 | $114 |
| Connecticut | $197 | $154 |
| Delaware | $229 | $184 |
| Florida | $175 | $115 |
| Georgia | $243 | $143 |
| Hawaii | $133 | $138 |
| Idaho | $83 | $49 |
| Illinois | $127 | $85 |
| Indiana | $90 | $81 |
| Iowa | $80 | $43 |
| Kansas | $145 | $95 |
| Kentucky | $180 | $159 |
| Louisiana | $173 | $106 |
| Maine | $116 | $82 |
| Maryland | $248 | $269 |
| Massachusetts | $130 | $76 |
| Michigan | $226 | $221 |
| Minnesota | $161 | $88 |
| Mississippi | $125 | $73 |
| Missouri | $170 | $114 |
| Montana | $120 | $63 |
| Nebraska | $120 | $130 |
| Nevada | $235 | $96 |
| New Hampshire | $87 | $96 |
| New Jersey | $294 | $432 |
| New Mexico | $168 | $135 |
| New York | $218 | $201 |
| North Carolina | $103 | $147 |
| North Dakota | $80 | $41 |
| Ohio | $91 | $72 |
| Oklahoma | $165 | $79 |
| Oregon | $121 | $96 |
| Pennsylvania | $120 | $77 |
| Rhode Island | $245 | $160 |
| South Carolina | $172 | $116 |
| South Dakota | $142 | $90 |
| Tennessee | $118 | $90 |
| Texas | $173 | $96 |
| Utah | $123 | $115 |
| Vermont | $88 | $30 |
| Virginia | $161 | $103 |
| Washington | $145 | $111 |
| Washington D.C. | $300 | $298 |
| West Virginia | $145 | $80 |
| Wisconsin | $82 | $61 |
| Wyoming | $80 | $51 |
State Farm and GEICO both offer standard auto insurance coverages, including liability and full-coverage policies. But they differ in their specialty coverage and additional protection options. Knowing these differences can help you choose the best insurer for your coverage needs.[1]
The table below lists the coverages GEICO and State Farm offer, according to Compare.com research.
Coverage Type | GEICO | State Farm |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UM/UIM) | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Accident forgiveness | ✔ | ✔ |
| Mechanical breakdown | ✔ | ✔ |
| Rideshare endorsement | ✔ | ✔ |
| Vanishing deductibles | ✔ | |
| New car replacement | ✔ | ✔ |
| Pet injury | ✔ |
Both insurers provide multiple discount opportunities to help reduce your premiums. But the availability and amount of these discounts can significantly affect your insurance costs.
The table below lists the discounts State Farm and GEICO offer, according to Compare.com research.
Discount Type | GEICO | State Farm |
|---|---|---|
| Affinity | ✔ | ✔ |
| Alternative energy | ✔ | |
| Anti-theft | ✔ | ✔ |
| Automatic payments | ✔ | ✔ |
| Customer loyalty | ✔ | |
| Defensive driver | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Early shopper | ✔ | |
| Federal employee | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Low mileage | ✔ | ✔ |
| Military | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ |
| New car | ✔ | ✔ |
| Paperless billing | ✔ | ✔ |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Teacher | ✔ | |
| Usage-based/telematics | ✔ | ✔ |
GEICO has discounts for federal employees and early shoppers, while State Farm provides savings for teachers and alternative energy vehicles. Both companies offer substantial savings through their usage-based insurance programs.
Customer reviews provide valuable insights into real-world experiences with insurance companies. Checking recent feedback from current customers helps you understand how well an insurer meets customers’ needs and handles claims.
Below, you’ll find some recent reviews from real Compare.com customers for each company.
The average driver saves up to $867.†
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Usage-based insurance programs monitor your driving habits with an app or an installed device. These programs typically benefit safe drivers who maintain good driving habits, like smooth acceleration, gentle braking, and avoiding hard turns.
GEICO’s DriveEasy program uses the sensors in your phone to automatically track driving behaviors like braking patterns, cornering, and phone usage while driving. Most customers save money, but riskier drivers may see higher rates depending on their state.
State Farm’s Drive Safe & Save program can save you up to 30% for safe driving habits. Drive Safe & Save tracks similar driving metrics to GEICO’s DriveEasy, but generally offers more savings.
Below, we answered some common questions about State Farm and GEICO car insurance.
It depends. No single insurance company works best for every driver, because every driver has different needs. State Farm might be better for drivers who value personalized service and higher customer satisfaction ratings, while GEICO often suits cost-conscious drivers who want digital self-service options.
It depends. What’s “best” for one person might not be ideal for another, depending on factors like budget, coverage needs, and service preferences. Our Compare.com Ratings show State Farm, GEICO, and Allstate as top-performing companies for overall value and customer experience.[2] [3]
It depends. Factors like your age, location, driving record, and coverage needs determine how much you pay for car insurance. State Farm typically offers cheaper average rates than GEICO, but you should get quotes from both insurers to find out your personal rates.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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