Farmers vs GEICO
Side-by-side car insurance comparison based on rates across all available locations
Farmers
4Avg Monthly
$109/mo
Best Rate
$62/mo
Best For
Rural coverage
Top Discount
Good student 20%
Available In
14 locations
GEICO
4.3Avg Monthly
$101/mo
Best Rate
$60/mo
Best For
Online savings
Top Discount
Good driver 22%
Founded
1936 · Chevy Chase, Maryland
Available In
50 locations
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Rate Comparison by State
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Pros & Cons
Farmers
Detailed profile not yet available for Farmers.
GEICO
Pros
- ✓Consistently among the lowest rates nationally
- ✓Award-winning mobile app and 24/7 online service
- ✓Wide range of discounts (good driver, military, multi-policy)
- ✓Strong financial stability — A++ AM Best rating
Cons
- ✗No local agent network — online and phone only
- ✗Gap and rideshare coverage not available in all states
Which Should You Choose?
GEICO is the cheaper option in 14 of 14 states where both insurers operate, saving an average of $19/month. Farmers is cheaper in 0 states.
GEICO has a higher average customer rating (4.3/5) compared to Farmers (4/5). However, ratings can vary by state and coverage type.
Farmers is generally best for rural coverage, while GEICO stands out for online savings. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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