Why you can trust The Zebra
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
GEICO vs. Farmers: What's the difference?
The Zebra's choice: GEICO
GEICO scored higher ratings on multiple factors and offers lower rates on average.
GEICO:
- Cost: $79/month for full coverage
- Customer service: 4
- Claims handling: 2
- Digital experience: 4.8
- Trust: 4.5
- Overall rating: 3.8
GEICO comes out on top when it comes to cheaper rates, digital experience and trust scores
Farmers:
- Cost: $101/month for full coverage
- Customer service: 3.6
- Claims handling: 3
- Digital experience: 3.8
- Trust: 4
- Overall rating: 3.6
Farmers takes the win for claims handling
GEICO vs. Farmers: rates for high-risk drivers
RATES BY CITATION: FARMERS VS. GEICO
| Violation | GEICO avg. annual premium | Farmers avg. annual premium |
| At-fault accident (damage < $1,000) | $1,857 | $2,334 |
| At-fault accident (damage > $1,000) | $1,580 | $1,699 |
| DUI/DWI | $2,550 | $3,239 |
| Reckless driving | $2,238 | $4,636 |
| Speeding ticket | $1,395 | $2,045 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
GEICO vs. Farmers: rates by age
Insurance companies use a driver's age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because every car insurance company prices age brackets differently, it's worth doing some comparison shopping.
According to our data, teen drivers should choose GEICO instead of Farmers: GEICO offers average yearly savings of $3.010 compared to Farmers. At all ages, GEICO was the cheapest.
RATES BY AGE: FARMERS VS. GEICO
| Age bracket | GEICO avg. annual premium | Farmers avg. annual premium |
| Teens | $3,508 | $6,518 |
| 20s | $1,438 | $2,020 |
| 30s | $1,218 | $2,020 |
| 40s | $1,189 | $1,511 |
| 50s | $1,160 | $1,507 |
| 60s | $1,065 | $1,402 |
Costs aside, GEICO and Farmers both have pros and cons, including discount programs, customer satisfaction ratings, policy add-ons and financial stability. Make an informed decision by getting quotes and comparing rates before finalizing a policy.
Compare rates and start saving today!
GEICO vs. Farmers: discount comparison
Car insurance discounts can help you save money on your insurance premiums. While individual discounts tend to be quite small, they can add up. Take a look at how discounts from GEICO and Farmers stack up below.
In addition to the discounts above, GEICO also offers a senior citizen discount to qualifying drivers. Compared to GEICO, Farmers offers more discounts on car insurance. If unsure, ask a representative about which discounts for which you may qualify.
Telematics options: GEICO vs. Farmers
GEICO and Farmers both offer telematics car insurance programs that can be beneficial to certain types of drivers. Have a look at the comparison below to see if one stands out as a better option for your insurance needs.
GEICO Drive Easy Pro is an app that tracks your driving habits to better assess your level of risk. For safe drivers, this can sometimes result in cheaper rates. Currently, the app is rated on app stores at 3.5 out of 5 stars (both Google Play and the Apple Store).
Signal is the telematics option from Farmers. The company advertises a 5% discount for signing up, with the promise of up to 15% savings for qualifying drivers. The company also offers an additional 10% savings for drivers under the age of 25 who enroll.
Unique amongst telematics programs, drivers enrolled in Farmers Signal — with a driving score of at least 80% — are also eligible to win up to $100 in rewards every month. Signal is not available in every state, and further restrictions may be imposed depending on where you live.
Zebra tip: Explore Farmers for telematics options
Farmers' higher possible discount and additional reward for good driving helps this telematics program stand out from competitors. Good drivers should consider Farmers' app when selecting telematics options.
Roadside assistance: GEICO vs. Farmers
Roadside assistance is a great safety net against getting stranded on the side of the road due to a breakdown. Check out the different roadside assistance packages offered by both GEICO and Farmers below.
GEICO
GEICO's roadside assistance offers the following benefits:
- Towing
- Jump starts
- Tire changes (when you have a spare)
- Up to $100 for lockout services
- Fuel delivery
- Winching for stuck vehicles (depending on severity)
Farmers
To contact Farmers Roadside Service, call 1-800-435-7764. Farmers covers up to $150 per incident (with special limits in North Carolina, Texas and Virginia) for the following services:
- Towing
- Battery jump start
- Flat-tire change
- Winching services
- Lock-out services
GEICO vs. Farmers: home insurance
Both Farmers and GEICO offer homeowners coverage options. These can be purchased as individual policies or bundled together with auto or other coverage types. It's important to note that GEICO offers homeowners insurance through a number of partner companies instead of under its own banner.
GEICO homeowners insurance review
While not as large a portion of its business as auto insurance, homeowners coverage remains an important part of GEICO's product offerings. The company partners with many insurers throughout the nation to provide home insurance. Still, customer service scores and third-party ratings remain high.
- The Zebra Customer Satisfaction Survey – 4.4/5: GEICO's home insurance coverage earned a relatively high score in The Zebra's 2021 customer satisfaction survey.
- Claims satisfaction (J.D. Power) – Not rated
- Customer satisfaction (J.D. Power) – Not rated
- Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing.
- NAIC Rating – Excellent: The National Association of Insurance Commissioners (NAIC) received fewer customer complaints than average regarding GEICO homeowners insurance in 2020.
Farmers homeowners review
Because of its robust policy options and reasonable rates, Farmers remains a popular option for homeowners insurance. The company earned roughly average reviews from various third-party reviewers and consumers and placed 7th overall for homeowners insurance in The Zebra's Customer Satisfaction Survey.
- The Zebra Customer Satisfaction Survey — 4.3/5: Farmers placed 7th overall in The Zebra's homeowners insurance customer survey.
- Claims satisfaction (J.D. Power) — Average: J.D. Power's property claims satisfaction study for 2021 gave Farmers an average score of 884 out of 1,000.
- Customer satisfaction — (J.D. Power) — Average: Farmers earned an average score in J.D. Power's study of customer satisfaction.
- Financial strength — Excellent: AM Best rates Farmers highly, meaning the company is in good financial shape.
- NAIC Rating — Good: Farmers received fewer complaints than did other major homeowners insurance companies.
Which company comes out on top?
Farmers
Both GEICO and Farmers can provide customers with good homeowners policies. Because GEICO doesn't actually underwrite their own policies, it's harder to rate them higher than Farmers. Farmers' extensive list of coverage options and affordable rates secure this company the win here.
GEICO vs. Farmers: home insurance rate comparison
Farmerss average annual homeowners insurance rate is $1,455, or just under $121 a month. Because GEICO does not underwrite its own homeowners policies, it's more difficult to provide accurate rate data.
Your individual rates will vary from one company to another. This is because every insurance company has different methods for underwriting. Your rates are highly dependent upon both where you live and your individual profile, and each company will weigh factors such as area crime, proximity to fire-fighting services and the age of your home differently.
For this reason, it's highly recommended that you shop for homeowners quotes from a number of different sources, as this will likely lead you to the best rate. While cost is an important factor when shopping for homeowners insurance, it's most important to have good coverage from an insurer that you can trust.
Based on the data we have available, Farmers has the cheapest home insurance rates at around $121 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
GEICO vs. Farmers: homeowners discount comparison
Home insurance discounts are useful for saving some money on your policy. Both companies offer such discounts, though Farmers provides more opportunities to save.
| Discount comparison | GEICO | Farmers |
|---|---|---|
| Claims free | ✓ | |
| Recent home buyer | ||
| Multi-policy | ✓ | ✓ |
| Early signing | ||
| Newer/more durable roof | ✓ | |
| Protective devices (smoke/burglar alarms, etc.) | ✓ | ✓ |
| Paid in full | ||
| Auto pay | ✓ |
In addition to the discounts listed above, Farmers also offers opportunities to lower your rate if you have a smart home, are non-smoking, and discounts based on career. It's important to note that there may be more options for discounts through GEICO's partner companies. Be sure to verify with each insurer that you're getting all of the discounts you qualify for before finalizing your policy.
Zebra tip: Check out Farmers if you are seeking home insurance discounts
Farmers generally offers more home insurance discounts than GEICO. However, even with extra discounts, other companies may still offer more affordable rates. Compare quotes from both to see which is a better fit and a better price.
Other insurance products and bundling options
GEICO and Farmers both have options for bundling multiple policy types. Bundling policies can lead to savings in many cases. See our table below for a side-by-side comparison.
| Other products | GEICO | Farmers |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | ✓ |
| Umbrella | ✓ | ✓ |
| Offroad vehicles and ATVs | ✓ | ✓ |
| Pet insurance | ✓ | ✓ |
| Commercial insurance | ✓ | ✓ |
Find the best insurance policy for your needs.
Related Questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
