Geico vs Farmers

Auto insurance for Geico vs Farmers is compared on financial security and customer satisfaction. A.M. Best and J.D. Powers rank both companies, and you can use our free tool to compare rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 14, 2021

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Here's what you need to know...

  • Geico and Farmers are both large and well-known companies
  • They both have superior financial ratings, with Geico having a slight edge
  • When comparing customer satisfaction, Geico rates higher than Farmers
  • Each case is unique, so you should compare quotes from both companies and decide which one can best meet your needs and fit into your budget

If you are in the market for a new insurance policy, you might want to know if Geico or Farmers insurance is better for you. Both are large and well-known U.S. insurance companies, and you might notice advertisements for both of these insurers on TV or the internet.

It is true that the insurance business is very competitive these days, so doing your due dilegence is important.

Is Geico or Farmers Insurance More Financially Stable?

insurance companies by different measures of financial stability. In this case, Geico fairs a little better in most of their financial rankings, but both companies rank very well.

  • Farmers Financial Strength: A
  • Geico Financial Strength: A++
  • Farmers Credit Rating: A
  • Geico Credit Rating: AAA

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How Customers Rank Farmers and Geico

You should consider the record that these companies have established pleasing customers in the past. This can give you an indication of your own future satisfaction.

J.D. Powers conducts periodic customer claims satisfaction surveys. Each company is ranked on a simple 5-point basis for a variety of factors that are important to insurance consumers.

  • Farmers Claims Satisfaction: 3 out of 5
  • Geico Claims Satisfaction: 3 out of 5

The customer ratings are not that much different, but when comparing total customer satisfaction, Geico beat Farmers. This may partially be because Farmers still uses a lot of local agents to sell and service policies.

Geico emphasizes more direct sales over the phone or the web.

You can still purchase insurance from a Geico agent. You can also do business with Farmers online or over the phone. But each company has a different emphasis.

Some customers prefer to have an agent advise them while other customers would prefer the convenience and privacy of simply applying on the web.

Finally, your own experience can vary because of the type of coverage that you need or where you live. You might have a great local agent, so you will have a good experience most of the time.

On the other hand, your agent could be too busy to help you. In that case, it might be the agent and not the insurer that is to blame.

Is Geico or Farmers Cheaper?

Car insurance rates depend upon many factors. These include age, location, the type of vehicle, and the way vehicles are used.

Some insurers are friendlier to different types of customers than others, so do your research before deciding.

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