Farmers vs. GEICO Car Insurance (2022)

If you are trying to decide between Farmers vs. GEICO car insurance, you will likely notice that GEICO has lower rates. GEICO car insurance also has 24/7 customer service, while Farmers customer service has defined hours. Both Farmers and GEICO offer plenty of car insurance discounts that are sure to help lower your rates.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • GEICO and Farmers both have multiple locations across the United States.
  • In most cases, GEICO offers lower rates, though Farmers’ rates are usually similar.
  • Both companies received good ratings from A.M. Best and the Better Business Bureau.

When looking through the best insurance companies, you may have found yourself comparing Farmers vs. GEICO. Both GEICO and Farmers are reputable insurance companies that have been around for many, many years. They both have a multitude of locations around the country, so you likely won’t have trouble finding an agent in your area. If you have found yourself trying to decide between Farmers vs. GEICO then it is important to consider many things.

While GEICO offers the lowest rates in most cases, Farmers offers more discounts. You should also consider each company’s customer service as well as the policies they offer. Below, we have collected plenty of information on both companies, including their rates, discounts, and more.

You may be having a hard time choosing between Farmers Vs. GEICO, but our article will give you everything you need to make an informed decision. Also, be sure to compare rates in your area by using our comparison tool.

Farmers vs. GEICO: Comparing Car Insurance Rates

When comparing Farmers vs. GEICO car insurance rates, you will notice that they can be quite similar. However, it is significant to note that your projected rates can differ depending on many factors. Some of these factors, which are covered in the sections below, can greatly affect your Farmers vs. GEICO car insurance quotes.

Farmers or GEICO: Which is cheapest by state?

There are some states out there that pay much more in insurance rates than others. See where your state falls in the chart below.

Farmers Vs. Geico Average Annual Car Insurance Rates by State
StateFarmers Average Annual RatesGeico Average Annual Rates
AlaskaData Not Available$2,879.96
ConnecticutData Not Available$3,073.66
District of ColumbiaData Not Available$3,692.81
DelawareData Not Available$3,727.29
FloridaData Not Available$3,783.63
GeorgiaData Not Available$2,977.20
KentuckyData Not Available$4,633.59
LouisianaData Not Available$6,154.60
MarylandData Not Available$3,832.63
MassachusettsData Not Available$1,510.17
MississippiData Not Available$4,087.21
North CarolinaData Not Available$2,936.69
North Dakota$3,092.49$2,668.24
New HampshireData Not Available$1,615.02
New Jersey$7,617.00$2,754.94
New Mexico$4,315.53$4,458.30
New YorkData Not Available$2,428.24
PennsylvaniaData Not Available$2,605.22
Rhode IslandData Not Available$5,602.63
South Carolina$4,691.85$3,178.01
South Dakota$3,768.80$2,940.29
TexasData Not Available$3,263.28
VirginiaData Not Available$2,061.53
VermontData Not Available$2,195.71
West VirginiaData Not Available$2,120.80
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As you can see, some of the highest rates are paid in the state of Michigan.

Farmers or GEICO: Which is cheapest by driving record?

If you have a clean driving record, then your rates will likely be lower. Check out the chart below for a few examples of this.

Farmers vs. Geico Average Annual Car Insurance Rates by Driving Record
Driving RecordFarmers Average Annual RatesGeico Average Annual Rates
Clean Record$3,460.60$2,145.96
With One Accident$4,518.73$3,192.77
With One DUI$4,718.75$4,875.87
With One Speeding Violation$4,079.01$2,645.43
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Those with a DUI on their driving record often pay much higher auto insurance rates, no matter which company you go with.

Farmers or GEICO: Which is cheapest by age and gender?

Age is still a factor when determining rates for most auto insurance companies, however, it is illegal to base rates on gender in several states, including Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina.

Farmers Vs. Geico: Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusFarmers Average Annual RatesGeico Average Annual Rates
Married 35-year old female$2,556.98$2,302.89
Married 35-year old male$2,557.75$2,312.38
Married 60-year old female$2,336.80$2,247.06
Married 60-year old male$2,448.39$2,283.45
Single 17-year old female$8,521.97$5,653.55
Single 17-year old male$9,144.04$6,278.96
Single 25-year old female$2,946.80$2,378.89
Single 25-year old male$3,041.44$2,262.87
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There are many reasons auto insurance companies charge more for younger drivers, according to the Insurance Information Institute.

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Farmers vs. GEICO: Ratings and Customer Satisfaction

While GEICO and Farmers are both reputable companies, they do have slightly different financial ratings and customer reviews. Additionally, the GEICO customer service office is available 24/7 while Farmers is available from 7:00 am to 11:00 pm CST on Monday-Friday and 8:00 am to 8:00 pm CST on Saturday and Sunday.

Additionally, both companies offer apps where you can pay bills, contact customer service, and more. To pay bills online you can easily create a Geico login or Farmers login via their respective websites.

What are Famers and GEICO’s financial ratings?

Checking financial ratings is important for making sure that you are working with a reputable company. See how GEICO and Farmers are rated in the chart below.

Farmers vs. Geico Financial Ratings
Ratings WebsiteFarmers RatingsGeico Ratings
A.M. BestB++ (Good)A++
Better Business BureauA+A+
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As you can see, both companies have similar financial ratings.

How do customers rate Farmers and GEICO?

When it comes to ratings, it is also important to check each company’s Consumer Reports score, which is provided in the chart below.

Farmers vs. Geico Customer Satisfaction Ratings
Review CompanyFarmers RatingsGeico Ratings
Consumer Reports89N/A
J.D. Power865 (About Average)879 (About Average)
Better Business Bureau1.46/5 stars1.14/5 stars
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While a Consumer Reports score for GEICO couldn’t be found, they do show good scores from J.D. Power and the Better Business Bureau. For more information on each company’s customer ratings, check out our Geico Insurance review as well as our Farmers Insurance review.

Farmers vs. GEICO: Car Insurance Coverage and Options

Let’s take a look at the kind of coverage offered by Farmers and GEICO.

What are their coverage options?

When it comes to the basics, GEICO and Farmers seem to offer similar options.

Farmers vs. Geico Coverage Types Offered
Types of CoverageFarmers CoveragesGeico Coverages
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical paymentsxx
Roadside assistancexx
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Each of the coverage options listed in the chart above is good to have with some being required, depending on where you live.

What discounts do Farmers and GEICO offer?

Even if a company’s rates are out of your price range, you might find plenty of savings with the discounts they offer.

Farmers Vs. Geico Car Insurance Discounts Offered
DiscountsFarmers Discounts OfferedGeico Discounts Offered
Adaptive Headlightsx
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclexx
Vehicle Recoveryxx
VIN Etchingx
Lane Departure Warning
Newer Vehiclexx
Green Vehiclex
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appx
Early Signingxx
Emergency Deploymentx
Family Legacyxx
Family Planx
Farm Vehicle xx
Federal Employeex
Full Paymentxx
Further Educationx
Good Studentxx
Low Mileagexx
Multiple Policiesxx
Multiple Vehiclesxx
On Time Payments
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintxx
Safe Driverxx
Seat Belt Usex
Senior Driverx
Students & Alumnix
Switching Providerx
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As you can see, Farmers offers a few more discount options than GEICO. For exactly how much you can save contact an agent in your area for a GEICO quote with discounts or Farmers quote with discounts.  GEICO provides a few policy discounts not offered by State Farm, including a 15% military discount and a 12% discount for federal employees at the Eagle level.

Farmers vs. GEICO: Which company is best?

So, in your search for affordable car insurance, you’ve found yourself comparing Farmers vs. GEICO. It’s hard to deny the low rates offered by GEICO, however, Farmers’ rates can be quite comparable in some areas. Farmers vs. GEICO car insurance policies are similar and both have high financial ratings. Determining the perfect company between Farmers vs. GEICO, all comes down to your specific car insurance needs.

Deciding on the best car insurance company for you is a personal matter. Your needs are unique, and the decision requires many considerations. You should request a quote from GEICO, Farmers, and other insurance companies to get the exact cost of a policy that provides the coverage you require.

Both Farmers and GEICO offer standard coverage that likely will suit your situation. GEICO typically offers lower rates. However, Farmers‘ customer satisfaction with claims ranks higher among the major insurers.

Now that we’ve compared Farmers vs. GEICO you should know all the important details about both. If you’re ready to shop for insurance, use our comparison tool below to easily compare rates from top companies in your area.

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