Reviews Report

• Geico’s wide range of discount options — including military and federal employee savings — can help keep rates competitive for many drivers.
• State Farm generally performs at or above the industry average in J.D. Power’s latest customer and claims satisfaction studies, while Geico tends to be around the industry average.

If you’re in the market for the best car insurance, you might be considering State Farm auto insurance and Geico auto insurance. These providers are popular choices for car insurance, and they are the two biggest providers in the country based on market share.

Despite the popularity of these companies, State Farm and Geico both have pros and cons. To help you figure out which provider is better for your needs, we compared State Farm vs. Geico based on financial strength, customer satisfaction ratings, discounts, and policy options.

Compare State Farm vs. Geico

Information reflects the latest publicly available findings from J.D. Power’s 2024 studies and current insurer discount pages.

*J.D. Power U.S. Auto Insurance Study (2024). Brand-level numeric scores are proprietary to J.D. Power’s licensed reports; results are reported on a 1,000-point scale.

State Farm vs. Geico: Discounts

State Farm and Geico both offer a wide range of discounts for drivers looking to lower premiums. However, Geico uniquely advertises savings that State Farm doesn’t, including discounts for military personnel, federal employees (Eagle), and emergency deployment.

However, State Farm does have a leg up against Geico when it comes to safe driver rewards programs. Geico only offers one program, DriveEasy, while State Farm offers two — Drive Safe & Save and Steer Clear (typically for drivers under 25). Additionally, State Farm has more discounts for young drivers, with savings for good students and students away at school, plus state-approved defensive driving or driver training where available.

State Farm vs. Geico: Additional Coverage

In terms of additional coverage options, State Farm and Geico focus on a core set of add-ons and availability varies by state. Depending on the specific extras you need, another insurer with a broader menu of endorsements could be a better fit.

Through State Farm, drivers can purchase car rental and travel expenses coverage, emergency roadside assistance, and rideshare insurance. Geico sells roadside assistance, rental car reimbursement, and mechanical breakdown insurance. You can purchase a standard minimum or full coverage car insurance policy from either company.

State Farm vs. Geico: Customer Satisfaction 

State Farm and Geico are both rated in the J.D. Power U.S. Auto Insurance Study (2024), which scores insurance companies for overall customer satisfaction in every region. Public results indicate State Farm generally performs at or above the industry average in many regions, while Geico tends to be around the industry average.

According to recent J.D. Power releases, State Farm’s overall customer experience is often a strength among large national carriers, while Geico’s digital experience is a relative bright spot. In the latest Auto Claims Satisfaction study, satisfaction continues to hinge on repair cycle time and communication; State Farm is generally competitive and tends to land at or above the industry average among large carriers, while Geico typically tracks around the industry average. Exact brand-level scores are proprietary to J.D. Power’s licensed reports.

State Farm vs. Geico: Claims Filing Process

When it comes to claims filing, State Farm and Geico are very comparable. Both companies offer easy online claims reporting and tracking, with photo uploads and status updates available through their mobile apps and websites. Additionally, you can file a claim right from your smartphone using the State Farm or Geico mobile app. 

In J.D. Power’s latest claims research, both carriers land near the industry average among large national insurers, with State Farm generally competitive and Geico typically around average. Satisfaction is most influenced by repair timelines, clear expectations, and communication. Customers have complained on sites like the Better Business Bureau (BBB) about issues such as slow processing, communication gaps, and settlement disagreements; experiences vary by claim and location.

Geico vs. State Farm FAQ

Methodology 

We evaluated Geico vs. State Farm auto insurance based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

• Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
• Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
• Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its U.S. Auto Insurance Study (2024) to evaluate relative positioning across regions on a 1,000-point scale.
• Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.
• Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.

Recently Added

American Family Auto Insurance

Compare Auto Insurance Quotes

Esurance Car Insurance Review