GEICO vs State Farm - Which Car Insurance is Cheaper?

GEICO and State Farm are both solid car insurance companies, but what do consumers have to say about each company? With all the flashy advertising done by insurance companies, it's easy to overlook the real experiences of consumers with these companies.

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Consumers can find the lowest rates in their area by comparing multiple quotes from insurance companies in your state.

GEICO and State Farm Consumer Ratings

  GEICO Ratings State Farm Ratings
Policy Offerings GEICO Policy Offerings State Farm Policy Offerings
Pricing GEICO Pricing State Farm Pricing
Billing and Payment GEICO Billing State Farm Billing
Contacting the Insurer GEICO Support State Farm Support
Overall Satisfaction GEICO Satisfaction State Farm Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

GEICO scored higher State Farm on policy offerings. That rating number factors in the different types of policies and coverages that are available from each carrier. The more coverages you can choose from means you can get an insurance program that is more tailored to your specific needs.

GEICO and State Farm Price Comparison

Consumers often compare car insurance based solely on price, and GEICO came in rated higher than State Farm on pricing. GEICO will not always have better prices on car insurance than State Farm, however. Finding the best car insurance rate depends entirely upon comparing both GEICO and State Farm car insurance rates.

GEICO vs State Farm - Which Car Insurance is Cheaper?

Since different companies rate drivers in different ways, you need to get a car insurance comparison quote now to find out which company offers the lowest rates in your area. It may be GEICO or State Farm, or possibly even a different company.

Customers rated GEICO fairly even with State Farm for billing and payment options. Having more ways to pay your bill is important to many consumers.

Successfully contacting your insurance company in case of a claim is very important. Polled policyholders ranked GEICO lower than State Farm when it comes to being able to contact the company.

How to Choose the Right Insurance Company

Do more stars actually guarantee a better insurance experience? The overall satisfaction rating of GEICO shows fewer stars than State Farm, but different consumers have different experiences with the same company.

Keys to Finding the Best Car Insurance

  • Not filing small claims can earn you a claim-free discount on your car insurance
  • Make sure you compare apples-to-apples coverages
  • Every year, shop your car insurance coverage around to find the lowest rate
  • If you have an independent insurance agent, have them compare rates with multiple companies
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