Compare Farmers vs. GEICO Insurance

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Farmers and GEICO are among the biggest names in the insurance industry, especially when it comes to car insurance. They’re also among the most highly rated insurance companies around. For example, TopTenReviews.com declared GEICO the top auto insurer of 2015. Farmers didn’t earn a spot on the list, but it was given a good rating overall. Both companies also have strong financial and J.D. Power rankings.

These insurance providers are similar in terms of some of their offerings, too. They each offer customers a lot of beneficial discounts, and they both have excellent roadside service options. So which one promises the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers GEICO
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
GEICO
  • You want great customer service and low premiums
Worst If Farmers
  • You want slick online tools to manage your policy
GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)

Special Car Insurance Discounts

Farmers GEICO
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers GEICO
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers GEICO
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers GEICO
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers GEICO
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers GEICO
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers GEICO
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance GEICO Car Insurance
2016 167 144
2015 262 283
2014 237 267
2013 300 188

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance GEICO Car Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Below average
Call Center Representative -- Average
Insurer Website Below average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance GEICO Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Above average
Service Interaction Above average Below average
Appraisal Average Average
Repair Process Average Below average
Rental Car Experience Average Among the best
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance GEICO Car Insurance
A.M. Best A A++
Moody's Aa3 Aa1-
S&P's A+ AA+

Mobile Apps

Farmers GEICO
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Roadside Assistance

Farmers GEICO
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.