Geico vs. State Farm: Which Insurance is Better in 2025?
State Farm ranks #4 in our ranking of the best auto insurance companies, while Geico ranks #5. Geico offers lower rates for most categories of drivers, including teens, young adults, and older drivers. However, when it comes to customer satisfaction (e.g., service, claims process, and customer loyalty), State Farm scores higher, although there is little difference between the companies.
Key findings:
- Geico is cheaper on average for most driver categories, but State Farm offers lower rates for drivers with accidents or DUIs.
- State Farm is rated higher for customer service and claims handling.
- Both insurers offer below-average rates for drivers with one speeding violation.
Geico advantages and disadvantages:
Advantages:
- Fourth cheapest among teen insurers.
- Military discount.
Disadvantages:
- Above-average rates for drivers with DUIs.
- Advantages and disadvantages of State Farm:
Advantages:
- Rated 4.3 out of 5 on customer service.
- Low rates for drivers with DUIs.
Disadvantages:
- Higher rates for older drivers.
- How do you choose between Geico and State Farm?
Overall, State Farm ranks 4th with a rating of 4.0 out of 5, while Geico ranks 5th with a rating of 3.9. Both companies’ customer service scores are similar, but State Farm is slightly ahead of Geico.
As for prices?
On average, Geico is cheaper than State Farm. The average cost of insurance from Geico is $1,778, which is $290 less than the national average of $2,068. Insurance from State Farm costs $2,150 – that’s $372 more than Geico.
We also analyzed rates for different categories of drivers, including different age groups and impaired drivers. Geico provides lower rates for most drivers, except for those with accidents or DUIs on their record. State Farm rates are lower in these categories.
The cost of insurance depends on many factors, such as the driver’s age, type of vehicle, where they live, etc., so your actual rates may differ from the examples provided.
