Comparing State Farm vs. Geico vs. Progressive vs. Allstate vs. Farmers
State Farm is the best choice for most people, compared to Geico, Progressive, Allstate and Farmers.
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Which insurance company is better: Allstate, Geico, Farmers, Progressive or State Farm?
Company | Rating | Cheap? | Many extras? | |
|---|---|---|---|---|
| State Farm | ||||
| Farmers | ||||
| Progressive | ||||
| Geico | ||||
| Allstate |
ValuePenguin's insurance experts use data to help find the best insurance company for you. We don't make money by promoting any specific companies. Instead, our goal is to help you comparison shop. See the full methodology.
Compare the largest car insurance companies
State Farm has the cheapest car insurance rates for most people, but it's not always the best choice for everyone.
Another company may have lower rates if you have a bad driving record or poor credit score. Or, you may want specific coverage add-ons not offered by the cheapest company.
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It's important to shop around for quotes from multiple companies to find the best policy for you at the right price.
Best auto insurance company for most people: State Farm
-
Editor's rating
- Full coverage: $134/mo
- Claims process: 7th out of 22
State Farm's cheap rates and reliable customer service make it the best choice among large insurance companies.
Pros:
-
Low rates for most people
-
Reliable customer service
Cons:
-
Limited coverage add-ons
State Farm is typically cheaper than other major insurance companies. At $134 per month, full coverage car insurance from State Farm costs $39 per month less than the second-cheapest major company, Progressive.
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Who has the best car insurance rates: State Farm, Allstate, Geico, Progressive or Farmers?
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The cheapest major insurance company isn't always the best choice. Midsize insurance companies may offer lower rates in your area, and they tend to have better customer service.
It's important to compare quotes from multiple companies near you to ensure you're choosing the best company.
Which insurance company has better customer service?
State Farm has the best customer service reviews compared to the largest insurance companies.
J.D. Power ranked State Farm 7th out of 22 companies on its claims satisfaction survey. That means you can count on State Farm to get you back on the road fairly quickly after an accident. It also gets 16% fewer customer complaints than an average company its size.
Customer service ratings for top insurance companies
Company |
J.D. Power
|
Complaints
|
|---|---|---|
| State Farm | 7th of 22 | 16% less than average |
| Farmers | 9th of 22 | 32% more than average |
| Geico | 12th of 22 | 25% less than average |
| Allstate | 16th of 22 | 30% less than average |
| Progressive | 21st of 22 | 39% less than average |
While Farmers also earned a good score from J.D. Power, it gets 32% more complaints than expected. That means customers aren't as happy with their experience at Farmers compared to other companies.
Geico, Allstate and Progressive all have very few complaints. But all three companies earned below-average scores from J.D. Power. That indicates that it may take longer to fix your car after a crash if you choose one of these companies.
Best car insurance discounts: Geico
-
Editor's rating
- Full coverage: $176/mo
- Claims process: 12th out of 22
Geico offers far more discounts than other major companies. It may be the cheapest option if you qualify for lots of discounts.
Pros:
-
Numerous discounts
-
Good customer service
Cons:
-
High rates before discounts
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Limited coverage add-ons
Geico's rates are typically a little higher than the national average. However, it could have the best prices for drivers who qualify for many of its discounts.
Which car insurance company has the best discounts?
In addition, all five companies offer discounts for:
- Bundling multiple policies
- Paying your entire bill up front
- Students with good grades
- Students living out of town for college who store their car at home
However, Geico isn't the best choice for people looking to save with a safe driving program. That's because Geico's DriveEasy program only offers a discount of up to 10%, and your rates can go up if you have bad driving habits.
People looking to sign up for a safe driving program should consider State Farm Drive Safe & Save instead. It offers a discount of up to 30% and won't raise your rates if you get a bad score.
Best for extra coverage: Progressive
-
Editor's rating
- Full coverage: $173/mo
- Claims process: 21st out of 22
Progressive offers many helpful coverage add-ons for people who want extra protection.
Pros:
-
Many coverage options
-
Affordable rates
Cons:
-
Difficult claims process
Both Progressive and Farmers offer many useful and uncommon coverage add-ons. Progressive is typically a better choice because its basic full coverage policy is much more affordable. However, the best company for you depends on your specific coverage needs.
Progressive is a good choice if you have a car loan or lease because it sells gap insurance. If your car is totaled, this coverage pays the difference between its current value and your loan or lease balance. With this coverage, you won't be stuck paying off a loan or lease for a car you no longer have.
If you have a brand-new car, you might want to consider Farmers. That's because it offers new car replacement, which pays for a brand new vehicle if your car is totaled in an accident.
Which insurance company has better coverage options?
In addition, all five companies offer rental car reimbursement and roadside assistance.
How much car insurance do you need?
Each state requires a different amount of car insurance coverage. Typically, you'll need coverage to pay for injuries to other people and property damage that you cause.
Extra coverage options differ by company and state. It's also usually a good idea to buy comprehensive and collision coverage, roadside assistance and rental reimbursement for added protection.
Allstate vs. Farmers
Farmers is better overall than Allstate.
- Coverage: Farmers has a lot of coverage add-ons, so it could be a good way to get extra protection.
- Rates: Both Allstate and Farmers tend to have expensive car insurance.
- Service: Farmers also has many more local agents than Allstate, so it's a better choice if having an agent nearby is important to you.
Allstate | Farmers | |
|---|---|---|
| Full coverage | $247 | $289 |
| Minimum liability | $112 | $114 |
| Ticket | $293 | $382 |
| Accident | $392 | $461 |
| DUI | $390 | $442 |
| Poor credit | $405 | $500 |
| Teen | $712 | $994 |
Allstate vs. Geico
Geico is typically a better choice than Allstate.
- Rates: Geico tends to be much cheaper than Allstate. It also has a lot more discounts.
- Coverage: Allstate offers some coverage add-ons not available at Geico, including rideshare insurance. So Allstate is better if you drive for Uber, Lyft or another rideshare or delivery company.
Allstate | Geico | |
|---|---|---|
| Full coverage | $247 | $176 |
| Minimum liability | $112 | $66 |
| Ticket | $293 | $230 |
| Accident | $392 | $303 |
| DUI | $390 | $422 |
| Poor credit | $405 | $284 |
| Teen | $712 | $466 |
Allstate vs. Progressive
Progressive is better than Allstate for most people. But Allstate has superior customer service.
- Rates: Progressive tends to have cheaper car insurance than Allstate.
- Extras: Progressive also has a lot more coverage options and discounts.
- Service: Allstate scored better on J.D. Power's claims satisfaction survey. That means you'll likely have an easier experience with Allstate after a crash.
Allstate | Progressive | |
|---|---|---|
| Full coverage | $247 | $173 |
| Minimum liability | $112 | $67 |
| Ticket | $293 | $227 |
| Accident | $392 | $259 |
| DUI | $390 | $221 |
| Poor credit | $405 | $302 |
| Teen | $712 | $703 |
Allstate vs. State Farm
State Farm is almost always a better choice than Allstate.
- Rates: State Farm is typically much cheaper than Allstate.
- Service: State Farm also has a better score on the J.D. Power claims satisfaction survey, which means it potentially will help fix your car faster than Allstate.
- Extras: Both companies have similar discounts and coverage options.
Allstate | State Farm | |
|---|---|---|
| Full coverage | $247 | $134 |
| Minimum liability | $112 | $55 |
| Ticket | $293 | $146 |
| Accident | $392 | $154 |
| DUI | $390 | $325 |
| Poor credit | $405 | $540 |
| Teen | $712 | $381 |
Farmers vs. Geico
Geico is a better choice than Farmers for most people.
- Overall: Geico tends to offer cheaper rates, more discounts and better customer service.
- Extras: Farmers could be better for you if you need extra protection, like rideshare insurance, gap coverage or new car replacement. Geico doesn't offer any of these options.
Geico | Farmers | |
|---|---|---|
| Full coverage | $176 | $289 |
| Minimum liability | $66 | $114 |
| Ticket | $230 | $382 |
| Accident | $303 | $461 |
| DUI | $422 | $442 |
| Poor credit | $284 | $500 |
| Teen | $466 | $994 |
Farmers vs. Progressive
Progressive is usually a better choice than Farmers.
- Rates: Progressive is much less expensive than Farmers.
- Discounts: Farmers offers a few more discounts than Progressive, it's unlikely that you'll save enough money to make up for the difference in cost.
- Coverage: Both companies offer lots of coverage options, but they're not the same. The best choice for you depends on the specific protection you need.
Farmers | Progressive | |
|---|---|---|
| Full coverage | $289 | $173 |
| Minimum liability | $114 | $67 |
| Ticket | $382 | $227 |
| Accident | $461 | $259 |
| DUI | $442 | $221 |
| Poor credit | $500 | $302 |
| Teen | $994 | $703 |
Farmers vs. State Farm
Most people are better off choosing State Farm over Farmers.
- Overall: State Farm offers much lower rates and better customer service than Farmers.
- Coverage: Farmers has more coverage add-ons than State Farm, including accident forgiveness, gap insurance and new car replacement.
- Discounts: Farmers also has more discounts, but you probably won't save enough to beat State Farm's low prices.
Farmers | State Farm | |
|---|---|---|
| Full coverage | $289 | $134 |
| Minimum liability | $114 | $55 |
| Ticket | $382 | $146 |
| Accident | $461 | $154 |
| DUI | $442 | $325 |
| Poor credit | $500 | $540 |
| Teen | $994 | $381 |
Geico vs. Progressive
If you're comparing Geico and Progressive, the best company depends on your specific situation.
- Rates: Geico and Progressive have similar prices for most drivers. Geico tends to have cheaper rates for teens, while Progressive is much less expensive after a DUI.
- Discounts: Geico offers more discounts than Progressive, especially for military members and government workers.
- Coverage: Progressive offers a lot more ways to customize your coverage, including accident forgiveness, rideshare coverage and vanishing deductible.
- Service: Neither company has outstanding customer service.
Geico | Progressive | |
|---|---|---|
| Full coverage | $176 | $173 |
| Minimum liability | $66 | $67 |
| Ticket | $230 | $227 |
| Accident | $303 | $259 |
| DUI | $422 | $221 |
Geico vs. State Farm
State Farm is usually a better choice than Geico.
- Overall: State Farm's rates tend to be cheaper, and it has a better claims satisfaction score from J.D. Power.
- Discounts: Geico offers a lot more ways to save on your car insurance than State Farm. That means it could be cheaper for people who qualify for numerous discounts.
If cost is your main focus, it's worth comparing rates from both companies.
Geico | State Farm | |
|---|---|---|
| Full coverage | $176 | $134 |
| Minimum liability | $66 | $55 |
| Ticket | $230 | $146 |
| Accident | $303 | $154 |
| DUI | $422 | $325 |
State Farm vs. Progressive
State Farm is better than progressive for most people.
- Rates: State Farm is typically cheaper than Progressive. However, you may find lower rates with Progressive if you have a recent DUI or a poor credit score.
- Coverage: Progressive is a better choice for people who need extra protection. It offers more coverage add-ons than State Farm, including coverage for custom parts and pet injuries.
- Service: State Farm scored much higher on J.D. Power's claims satisfaction survey. That means State Farm customers will probably get back on the road faster after an accident than those insured with Progressive.
Monthly auto insurance rates
Progressive | State Farm | |
|---|---|---|
| Full coverage | $173 | $134 |
| Minimum liability | $67 | $55 |
| Ticket | $227 | $146 |
| Accident | $259 | $154 |
| DUI | $221 | $325 |
| Poor credit | $302 | $540 |
| Teen | $703 | $381 |
Frequently asked questions
Is Progressive cheaper than Geico?
Progressive has slightly lower full coverage car insurance rates than Geico. However, it is much cheaper after an accident or DUI. On the other hand, Geico tends to have cheaper minimum liability insurance, and its rates for teens are much more affordable than Progressive's.
Is State Farm cheaper than Geico?
State Farm is almost always cheaper than Geico. State Farm also has better customer service reviews, making it a great choice for most people. However, Geico has much better rates for people with poor credit.
Is Allstate cheaper than Geico?
Geico tends to have much lower rates than Allstate. The one exception to this is for people with a recent DUI. Allstate charges an average of $390 per month for full coverage after a DUI, while Geico costs around $422 per month.
Is Allstate cheaper than State Farm?
No, Allstate typically is not cheaper than State Farm. However, it does tend to have better rates if you have poor credit. Full coverage from Allstate costs around $405 per month for people with poor credit, while State Farm charges around $540 per month.
Is Progressive cheaper than State Farm?
No, most people will find that Progressive is not cheaper than State Farm. However, Progressive tends to have more affordable rates for people with a DUI and those with poor credit.
Methodology
Using car insurance rates from across the country, ValuePenguin compared the cost of coverage from State Farm, Allstate, Geico, Progressive and Farmers. Our editors gathered quotes for a 30-year-old man with no history of accidents or tickets and good credit. He owns a 2015 Honda Civic EX.
Full coverage quotes include collision and comprehensive coverage along with higher liability limits than the state requirement.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were taken from public insurance company filings and should be used for comparative purposes only. Your quotes may differ.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
