GEICO vs. State Farm: Which offers the cheapest auto insurance rates?

GEICO vs. State Farm: Which one is the cheapest?

GEICO costs an average of $405, while State Farm has average rates for state minimum coverage of $502.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, GEICO costs an average of $1,763. State Farm costs more at an average of $1,984.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
GEICO	$1,763	$405	$560
State Farm	$1,984	$502	$651

GEICO vs. State Farm: Rates by age group

For a teen - one of the most expensive age groups to insure - GEICO offers the lowest rates at $5,049 per year. State Farm costs an average of $5,368 yearly for a teen driver.

Age is a major factor in calculating insurance rates. Companies look at speeding and accident trends as well as distracted driving statistics. Teen drivers are one of the riskiest — and therefore most expensive — age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,776 at GEICO, while at State Farm the average rate for an adult is $1,985.

Age group	GEICO	State Farm
Teens	$5,049	$5,368
Young adults	$2,647	$3,179
Adults	$1,776	$1,985
Seniors	$1,787	$1,858

GEICO vs. State Farm: Rates for high-risk drivers

State Farm offers the lowest rates for high-risk drivers. A high-risk driver is someone with multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it harder to find affordable car insurance.

For drivers with a DUI, State Farm is more affordable, with an average rate of $3,179.

Check out the table below to see how GEICO rates compare to State Farm rates for different driving violations.

Type of violation	GEICO	State Farm
1 At-fault property damage accident over $2K	$3,155	$2,411
1 At-fault property damage accident under $2K	$3,147	$2,403
At-fault bodily injury accident	$3,320	$2,497
Careless driving	$2,447	$2,419
DUI	$4,504	$3,179
Reckless driving	$3,628	$3,037
Speeding	$2,831	$2,321

GEICO vs. State Farm: Which is better rated?

Customer service, claims processing and a positive online experience are just a few things to consider along with price when choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take a look at the table below to see how GEICO and State Farm scored in the best car insurance companies of 2025.

Overall, GEICO scored 4.2, while State Farm scored 4.27.

Ratings	GEICO	State Farm
NAIC	0.91	0.70
AM Best	A++	A++
Average annual premium	$1,764	$1,980
Average monthly premium	$147	$165
Customer Satisfaction	4.1	4.2
Insurance.com score	4.2	4.3

GEICO vs. State Farm: Rates in your state

Insurance rates change from state to state. Companies look at data from your ZIP code such as weather, crime, and traffic to figure out the risk. The table below shows where you'll find the lowest rates for GEICO and State Farm. Always compare multiple quotes, since your location, driving record, and personal details will affect your final price.

State	GEICO	State Farm
Alabama	$1,625	$1,790
Alaska	$1,338	$1,713
Arizona	$1,312	$2,233
Arkansas	$1,794	$2,060
California	$1,919	$2,701
Colorado	$1,445	$1,950
Connecticut	$1,242	$1,733
Delaware	$1,695	$2,153
Florida	$2,214	$2,119
Georgia	$2,072	$2,344
Hawaii	$1,184	$1,938
Idaho	$1,174	$1,120
Illinois	$1,178	$1,633
Indiana	$986	$1,616
Iowa	$1,716	$1,306
Kansas	$1,622	$1,976
Kentucky	$2,106	$2,753
Louisiana	$2,983	$3,570
Maine	$1,228	$1,262
Maryland	$1,262	$2,177
Massachusetts	$1,269	$689
Michigan	$1,553	$3,698
Minnesota	$2,495	$1,525
Mississippi	$2,210	$1,797
Missouri	$3,217	$2,072
Montana	$2,382	$1,858
Nebraska	$2,372	$2,344
Nevada	$1,708	$1,443
New Hampshire	$1,212	$1,155
New Jersey	$1,563	$2,153
New Mexico	$1,406	$1,669
New York	$1,736	$1,951
North Carolina	$1,617	$1,180
North Dakota	$1,773	$1,738
Ohio	$1,373	N/A
Oklahoma	$1,820	$1,861
Oregon	$1,683	$1,502
Pennsylvania	$2,308	$2,473
Rhode Island	$2,292	$1,319
South Carolina	$2,054	$2,106
South Dakota	$2,384	$2,096
Tennessee	$1,565	$1,677
Texas	$1,644	$1,956
Utah	$1,325	$2,175
Vermont	$1,276	$1,139
Virginia	$1,382	$1,479
Washington	$1,171	$1,794
Washington, D.C.	$1,408	$2,426
West Virginia	$2,248	$1,691
Wisconsin	$1,195	$2,378
Wyoming	$2,514	$1,521

GEICO vs. State Farm: Which offers better discounts?

Discounts are a great way to save money on your annual insurance premiums. Below are some of the discounts that GEICO and State Farm offer to their customers.

Discounts	GEICO	State Farm
Purchase status	9%	N/A
Marital status	7%	N/A
Multi policy	7%	10%
Daily commute	6%	2%
Lower annual mileage	5%	10%
Safety devices	2%	4%
Loyalty	3%	18%
Air bags	2%	2%
Homeowner	12%	2%
Payment type	16%	N/A
Telematics	10%	13%
Education	12%	N/A
Profession	10%	N/A
Anti-theft device	1%	1%

When shopping for car insurance, always ask about available discounts to see which ones you qualify for.

GEICO vs. State Farm: The bottom line

Both GEICO and State Farm are good insurance companies, but if getting the lowest rates is your priority, GEICO might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: