Compare Two of the Top Ten Car Insurance Companies
GEICO vs State Farm Insurance
Detailed comparison of GEICO and State Farm insurance in New Jersey. See which offers cheaper rates, better service, and more value for NJ drivers.
GEICO vs State Farm: Head-to-Head
Compare cheap car insurance options from two of America's largest insurers
| Category | GEICO | State Farm | Winner |
|---|---|---|---|
| Average Annual Premium NJ | $1,182 | $1,547 | GEICO |
| Financial Strength Rating | A++ (Superior) | A++ (Superior) | Tie |
| Customer Satisfaction | 4.0/5 | 4.2/5 | State Farm |
| Available Discounts | 15+ discounts | 12+ discounts | GEICO |
| Mobile App Rating | 4.7/5 | 4.8/5 | State Farm |
| Local Agents in NJ | 30+ locations | 250+ agents | State Farm |
| Online Experience | Excellent | Very Good | GEICO |
| Claims Satisfaction | 87% | 89% | State Farm |
Best Value for NJ Drivers: GEICO
With significantly cheaper rates and excellent online services, GEICO offers the best value for most New Jersey drivers. However, State Farm wins for those who prefer local agent support.
GEICO vs State Farm: Pros and Cons
GEICO Insurance
Pros:
- Cheapest car insurance rates in NJ on average
- Excellent online tools and self-service options
- More discount opportunities available
- Fast online quote process (under 15 minutes)
- Strong military and federal employee discounts
- 24/7 customer service availability
Cons:
- Limited local agent presence in Bergen County
- Primarily online/phone service model
- Lower customer satisfaction scores
State Farm Insurance
Pros:
- Extensive local agent network in NJ
- Higher customer satisfaction ratings
- Better claims handling satisfaction
- Personalized service from dedicated agents
- Strong bundling discounts
- Excellent financial stability
Cons:
- Higher average premiums than GEICO
- Fewer discount categories available
- Less competitive for high-risk drivers
- Slower online quote process
Choose GEICO If:
- • You want the cheapest car insurance possible
- • You're comfortable with online/phone service
- • You qualify for military or federal discounts
- • You prefer quick online quotes and service
Choose State Farm If:
- • You prefer local agent relationships
- • You want to bundle multiple policies
- • Customer service is your top priority
- • You value in-person assistance
Compare GEICO and State Farm Insurance Today
We'll help you get quotes from both GEICO and State Farm, plus other top ten car insurance companies to ensure you get the cheapest rate available.
GEICO vs State Farm Insurance FAQs
Is GEICO or State Farm cheaper for car insurance in New Jersey?
GEICO typically offers cheaper car insurance in New Jersey with average annual premiums of $1,182 compared to State Farm at $1,547. This makes GEICO about $365 cheaper per year on average. However, your actual rate depends on your driving history, location, and coverage needs.
Which company has better customer service - GEICO or State Farm?
State Farm generally receives higher customer satisfaction ratings (4.2/5) compared to GEICO (4.0/5). State Farm's advantage comes from its extensive network of local agents in New Jersey who provide personalized service, while GEICO primarily operates through online and phone channels.
Does GEICO or State Farm offer more discounts?
GEICO offers more discount opportunities with 15+ available discounts compared to State Farm's 12+ discounts. GEICO is particularly known for military, federal employee, and membership organization discounts. State Farm excels with bundling and loyalty discounts.
Which insurer is better for online services?
GEICO is known for superior online services with a highly-rated website and mobile app for managing policies, filing claims, and getting quotes. While State Farm has good digital tools, GEICO's online-first approach makes it more convenient for tech-savvy customers.
Can I get both GEICO and State Farm quotes through Midland?
Yes! As an independent agency, we can help you compare quotes from both GEICO and State Farm, plus other top ten car insurance companies. Call us at (201) 812-2184 to get personalized quotes and find your cheapest option.