GEICO vs. Farmers Car Insurance

In our most recent ranking of the best overall car insurance providers, GEICO was named the cheapest widely available insurer. That’s reflected in its average premiums, which are cheaper than both the national average and Farmers’ average rate.

In terms of business and financial ratings: both companies have strong ratings from the BBB and AM Best, the latter of which assesses ability to pay out claims.

Finally, both GEICO and Farmers have higher-than-average NAIC complaint scores, which indicate they receive more complaints than expected for an insurer of their size.

GEICO Is Better For:

• Drivers who prioritize the lowest possible prices
• Drivers with low credit, DUIs, accidents, or other violations
• Drivers who prefer to self-service online

Farmers Is Better For:

• Drivers who want a customizable policy with add-on options
• Those who prefer working with a local agent
• People who prioritize personalized customer service

Across the board, GEICO’s average rates are significantly lower than Farmers’ for various driver profiles. Keep in mind your quoted rate might differ from these averages. We recommend getting three different quotes before deciding on an insurer.

RELATED: To learn how to keep auto insurance costs low, check out our complete guide here.

Drivers will find standard coverage options from both GEICO and Farmers, including liability, comprehensive and collision, medical payments, personal injury protection (PIP), and uninsured/underinsured motorists.

Both companies also offer optional coverage options you can add to your policy:

Coverage options vary by state, so always confirm what’s available in your area by checking your quote or reaching out to your agent.

GEICO and Farmers both offer many of the same auto insurance discounts, including common ones like bundling and telematics discounts. However, you may find you’re eligible for more discounts from one company, which can affect who gives you a lower rate.

The table below lists the main discounts from GEICO and Farmers. Discounts vary by state, so confirm what’s available where you live.

GEICO vs. Farmers Telematics Programs

Like many insurers, GEICO and Farmers have telematics programs that use apps to track and offer discounts for safe driving. GEICO’s is called DriveEasy, and it’s available in 47 states and Washington, D.C. Meanwhile, Farmers has the Signal program, available in 45 states and Washington, D.C.

Neither program mentions exact savings on its website, but historically telematics programs have offered up to 10 percent off at signup and up to 25-30 percent off at renewal. Signal outscored DriveEasy on customer satisfaction in J.D. Power’s 2025 U.S. Auto Insurance Study.¹

Overall, customers are more satisfied with GEICO’s customer service than with Farmers’ based on various industry studies and data. Here’s how the companies compare:

Claims Satisfaction

In the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, GEICO scored 697 out of 1,000, below the average of 700.² This put GEICO in 15th place of the 22 insurers rated. Meanwhile, Farmers tails behind with a score of 690 out of 1,000, putting it in 18th place.

However, GEICO ranked lower than Farmers in the 2026 CRASH Network Report Card, which tracks auto shops’ experiences dealing with insurers. While both GEICO and Farmers received a C- grade, Farmers’ numerical score is 52 points above GEICO’s. That said, neither score is particularly high. It’s worth noting that none of the 10 largest insurers scored higher than a C+.³

Customer Service

In J.D. Power’s 2025 U.S. Auto Insurance Study, which tracks overall customer satisfaction with insurers, GEICO scored higher than Farmers in every region. Most of GEICO’s scores are above average, while most of Farmers’ scores are below average.

Here is a breakdown of each company’s score (out of 1,000) by region:

According to the National Association of Insurance Commissioners (NAIC), both companies receive more complaints than average, but Farmers wins in this area. On NAIC’s Complaint Index, Farmers had a complaint index of 2.29⁴, while GEICO’s was 2.69.⁵

An index of 1 indicates the expected amount of complaints for a company in the market. A lower score is considered better, reflecting fewer complaints.

Shopping

Customers are almost equally satisfied with both GEICO and Farmers when it comes to shopping for and buying a policy, per J.D. Power’s 2025 U.S. Insurance Shopping Study. The study evaluates factors like the quote and purchase processes, policy offerings, price, and distribution channel.

GEICO and Farmers both have robust online platforms and mobile apps through which policyholders can file claims, access policy information, get roadside assistance and more. Here’s a breakdown of each app:

J.D. Power’s 2025 U.S. Insurance Digital Experience Study indicates that customers are more satisfied overall with GEICO’s digital tools over Farmers’.⁶ Both insurers scored below average in the service and shopping categories.

GEICO and Farmers are both well-known national brands for auto insurance, but the better one for you depends on what you’re seeking.

In terms of pricing, GEICO is far cheaper than Farmers, on average. Both insurers offer ample discounts that can lower rates, as well as usage-based telematics programs with significant savings if you drive safely. Both companies have strong financial strength ratings from AM Best and high ratings from the BBB, meaning they are trustworthy and able to pay out claims.

GEICO has better customer service ratings, but is suited for people who prefer managing policies and claims online. Since Farmers uses local agents, your experience may hinge upon which agent you choose and if you like how they work.

At AutoInsurance.com, we use four key factors to evaluate auto insurers:

• Price (40%): We analyze average premiums for both full and minimum coverage for a standard driving profile of a good driver with good credit. We also looked at rates for other driver profiles, including those with violations or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims handling (25%): An auto insurer’s claims handling process should be quick, transparent and efficient, with clear communication, fair evaluation of damages and timely payment or resolution. We assess claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report and financial strength from sources like AM Best and S&P Ratings. We also include real-life customer experiences when possible.
• Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings and app store reviews.
• Coverage options (10%): We review each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, such as accident forgiveness, gap coverage, rideshare coverage and more.

Read more about our ratings and methodology.