State Farm vs. Farmers, Geico, Progressive, & Allstate
A detailed State Farm vs Farmers, Geico, Progressive, and Allstate review to help you compare coverage, costs, and ratings.
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Table of Contents
Table of Contents
Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...
Rachael Brennan
Updated March 2026
State Farm, Farmers, Geico, Progressive, and Allstate are the biggest names in the insurance business right now. If you’re in the market for a new insurance policy, or it’s time to renew and you just want to see what other options might be out there, the odds are you’ll find yourself looking at these names.
To help make your search a little easier, we’ve compiled just about everything you need to know before you start looking at quotes. We’ve listed all of their available discounts, coverage options, customer service reviews, and what they might cost you.
If you’re ready to take a drive with us, buckle up as we help you navigate through the insurance industry, use our free quote comparison tool, and peruse the best premiums and coverage out there today.
Car Insurance Options With Top 5 Competitors
Before we can get into the nuts and bolts of the auto providers, let’s lay some groundwork for the terms and types of coverage you’ll need to know about.
Auto Insurance Coverage Types Explained| Coverage Type | Description |
|---|---|
| Liability Coverage | Covers bodily injury and property damage you cause to others in an accident |
| Collision Coverage | Pays for damage to your car from a collision, regardless of fault |
| Comprehensive Coverage | Covers damage from non-collision events (e.g., theft, vandalism, natural disasters) |
| Medical Payments (MedPay) | Covers medical expenses for you and passengers after an accident |
| Personal Injury Protection (PIP) | Covers medical bills, lost wages, and household costs after an accident |
| Uninsured/Underinsured Motorist (UM/UIM) | Protects you if the at-fault driver doesn't have enough or any insurance |
| Roadside Assistance | Covers services like towing, tire changes, lockouts, and jumpstarts |
| Rental Reimbursement | Covers rental car costs while your vehicle is being repaired after a claim |
- Liability Coverage: Unlike many of the other types of coverage we’ll cover, liability coverage is the only one that’s legally required in almost every state. This type of insurance is designed to protect the other driver in the event of a car accident, including their vehicle and any medical bills incurred.
- Collision Coverage: Collision coverage protects your vehicle in the event of an accident. From repair costs to paying out if it’s been totaled, collision coverage is required if you’re still making payments on your vehicle or if it’s been leased. Otherwise, you might want to consider your car’s overall value to see if collision coverage is right for you.
- Medical or Personal Injury Protection: Where collision is designed to protect your car after an accident, personal injury protection (PIP) makes sure you’re covered for any medical expenses that may arise after an accident. You may want to consider your personal health insurance plan when determining whether PIP coverage is right for you.
- Comprehensive Coverage: If you’ve ever wondered what happens when your car is damaged by something other than an accident, that’s where comprehensive coverage steps in. From floods, fires, theft, and animals, damage to your vehicle caused by these events and situations can be covered under comprehensive. Like collision, you should consider your car’s overall value when deciding whether comprehensive is right for you.
- Uninsured Motorist Protection: Driving with insurance is the law. Unfortunately, not everyone abides by the law, and uninsured motorist coverage can step in for you after a hit-and-run or if you’ve been involved in an accident where the other driver isn’t covered. (all five)
- Gap Insurance: Gap insurance covers the difference in the amount your car is valued at after an accident and the amount you still owe on it. When you drive your car off the lot, it immediately depreciates, so even if you got into an accident a month after you bought a car, its “value” might not be enough to cover what you still owe.
- No-Fault Insurance: Currently, you can get no-fault insurance in only 12 states, but it’s designed to cover property damage and medical expenses, regardless of who’s at fault. You may want to consider the cost of this type of coverage compared with the combined cost of collision and PIP to determine the best deal for you.
While these aren’t the only types of coverage you might have to consider, they are the main options. Keep each of these in mind as we break down the providers and the types of coverage they offer to help find the company that can best meet your needs.
Allstate
Allstate offers all seven of the major car insurance coverages, except for no-fault. They also offer traditional add-ons like rental reimbursement, sound system coverage for costly upgrades, towing, and labor coverage, as well as their Claims Satisfaction Guarantee.
Geico
Geico also offers all seven major types of car insurance, as well as coverage for collectible vehicles. It also offers add-ons, such as roadside assistance, rental reimbursement, and mechanical breakdown coverage after your vehicle’s warranty has expired.
State Farm
State Farm offers all seven major types of car insurance coverage, in addition to the ability to bundle in either your homeowner’s or renter’s insurance. They also offer unique solutions, such as financial services, including banking, checking, credit, and loans, that most other companies don’t offer.
Progressive
Progressive offers all seven types of auto insurance, except for no-fault coverage. They also offer classic auto insurance if you own a collectible car. They also offer add-ons, including roadside assistance, rental reimbursement, and pet injury coverage. Their Custom Parts and Equipment Coverage, in case of an accident in a car you’ve added upgrades to, is available as well.
Farmers
Farmers also offers all seven major types of auto insurance, along with auto premium upgrades such as glass repair services, towing and roadside assistance, rental reimbursement, and rideshare coverage for drivers who work for ride-sharing companies like Uber or Lyft.
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Ways to Save Money on Car Insurance
Allstate
Allstate offers an extensive list of discounts, including those for students and people over 55. In addition to good and out-of-state student discounts, they also offer a TeenSMART Drivers Education Program that can help you save on pricey teen insurance. Get a Pay discount if you opt to pay in full, as well as one for early signing and bundled premiums. Because of their additional services, they might be worth considering over competitors if you’re also insuring a young driver.
Geico
Geico is one of the big 5 insurance companies to offer a military discount, in addition to emergency deployment discounts if you’re ever mobilized as a member of the armed forces. They also offer discounts for government employees and corporate partnerships, depending on who you work for, giving Geico a wide range of discounts you might be able to qualify for. They also offer the traditional safe-car and safe-driver options, including their Five-Year Accident-Free program.
Top Auto Insurance Discounts by Provider & Savings| Company | Anti- Theft | Good Driver | Multi- Policy | Multi- Vehicle |
|---|---|---|---|---|
 | 10% | 25% | 25% | 10% |
 | 25% | 25% | 25% | 23% |
 | 10% | 30% | 20% | 12% |
 | 25% | 26% | 25% | 25% |
 | 35% | 20% | 25% | 25% |
 | 5% | 40% | 20% | 15% |
 | 25% | 30% | 10% | 12% |
 | 15% | 25% | 17% | 20% |
 | 15% | 10% | 13% | 8% |
 | 15% | 30% | 10% | 10% |
State Farm
State Farm doesn’t offer all of its discounts in every state, but its website makes it easy to see what you might qualify for based on location, which is refreshing. While they offer standard good driving discounts and loyalty discounts if you have multiple lines of insurance with them (like bundling your car and home insurance), they seem to have the most to offer students.
Insuring teenagers and young drivers can be pricey, and State Farm offers discounts for taking a driver training course, being a good student, and for students who are away at school and leave their car at home. They also offer a discount for drivers over 55 for taking an additional defensive driving course, which can help keep higher premiums as you get older as low as possible.
Progressive
Progressive has a somewhat different take on insurance discounts, though other companies are starting to catch on. They offer standard options and include some easy-to-obtain discounts, such as signing your documents online, getting an online quote, and paying your premium in full rather than making monthly installment payments. They also offer their Snapshot program, which monitors how you drive and may qualify you for additional discounts. Of course, the program has its critics, and may or may not earn you a discount, but if you’re a safe driver, it might be worth a shot.
Farmers
Farmers Insurance has the shortest list of published discounts of all the companies here. They only mention the standard offerings, with nothing really outside the box. If you’re not going to bundle your services with them, or you don’t have a teenage or over-55 driver, Farmers may not have much for you by way of discount options.
Home Insurance With Top 5 Competitors
State Farm, Farmers, Geico, Progressive, and Allstate all offer standard home insurance options.
Types of Home Insurance Policies| Type | Policy | What it Covers |
|---|---|---|
| HO-1 | Basic | Perils like fire, theft, & falling objects |
| HO-2 | Broad | HO-1 perils + water damage, surges |
| HO-3 | Special | All perils except noted exclusions |
| HO-4 | Contents | Renters: Covers items and liability |
| HO-5 | Comprehensive | HO-3 perils at replacement value |
| HO-6 | Unit-Owners | Condos: Covers items and liability |
| HO-7 | Mobile Home | Mobile home coverage like HO-3 |
| HO-8 | Modified | Homes 40+ years old or historic |
Allstate
Allstate offers home insurance protection for the house itself, the items inside it, and the homeowner’s liability if someone is injured or property is damaged. Its standard coverage options include dwelling, other structures, personal property, liability, and additional living expenses if a covered loss makes the home temporarily unlivable.
Geico
Geico’s homeowners insurance provides coverage for the home, its contents, and liability exposures associated with the property. It also covers additional living expenses if a covered loss forces you to live elsewhere. Home coverage is offered through the Geico Insurance Agency and written by non-affiliated insurer partners, so the exact coverage details may depend on the carrier behind the policy.
State Farm
State Farm’s home insurance covers both the home itself and the everyday risks that come with owning it, making it a strong choice for homeowners who want a more traditional, all-in-one policy. That includes coverage for the home’s structure, detached structures, personal belongings, personal liability, and additional living expenses.
Progressive
Progressive lists coverage for the house, other structures, personal belongings, personal liability, medical payments to others, and temporary living expenses if repairs force you out of the home. It helps customers estimate the right amount of dwelling, personal property, and liability coverage.
Farmers
Farmers also offers the core homeowners coverages. What stands out more is its emphasis on customizable protection through add-on options in its Flex Personal Home policy, including extended replacement cost and other ways to tailor coverage.
Ways to Save Money on Home Insurance
Top Home Insurance Discounts by Provider & Savings| Company | Bundling | Claims- Free | Green Home | Home Security | Loyalty |
|---|---|---|---|---|---|
| 10% | 22% | 5% | 12% | 10% |
 | 20% | 20% | 6% | 10% | 7% |
 | 12% | 18% | 5% | 9% | 7% |
 | 10% | 20% | 7% | 12% | 10% |
 | 10% | 15% | 5% | 8% | 6% |
| 11% | 18% | 7% | 10% | 9% |
| 16% | 21% | 6% | 11% | 10% |
| 20% | 24% | 5% | 15% | 12% |
| 13% | 16% | 4% | 7% | 8% |
| 10% | 23% | 6% | 12% | 11% |
Allstate
Allstate offers several discounts that may help reduce your home insurance costs.
- Multi-Policy Discount
- New Home Discount
- Welcome & Loyalty Discount
- Payment Discounts
- Claim-Free Discount
- Protective Device Discount
- Early Signing Discount
- Florida Wind Mitigation Discount
Geico
Homeowners insurance discounts can vary based on where you live and which insurer Geico partners with in your area, but you can get a few standard discounts, including:
- Multi-Policy Discount
- Military Discounts
- Home Safety Discount
State Farm
State Farm offers several homeowners insurance discounts that can help lower coverage costs, though availability and eligibility vary by state.
- Multi-Policy Discount
- Protective Device Discount
- Claims-Free Discount
- Utilities Discount
- Roofing Discount
- Wind Mitigation Discount
- Wildfire Mitigation Discount
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Progressive
Progressive highlights the following home insurance discounts that can help lower your premium:
- Multi-Policy Discount
- Home Purchase Discount
- New Home Construction Discount
- Protective Device Discount
- Quote in Advance Discount
- Receive Documents by Email Discount
- Pay in Full Discount
- Florida Wind Mitigation Discount
Farmers
Farmers provides a wide range of homeowners insurance discounts that can help lower the cost of coverage:
- Multi-Policy Discount
- Payment-related DiscountS
- Claims-Free Discount
- Affinity Discount
- Farmers Group Select Discount
- Rent-to-Own Discount
- Green certification Discount
- New Home Discount
- UL-Approved Roofing Discount
- Protective Devices Discount
- Connected Home Discount
- Home Safety Discount
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Life Insurance With Top 5 Competitors
Types of Life Insurance: Key Details| Type | Coverage | Details |
|---|---|---|
| Term Life | Set period (10–30 yrs) | Low cost, no cash value |
| Whole Life | Lifetime with cash value | Fixed premiums, lifelong |
| Universal Life | Flexible lifetime growth | Adjustable premiums, loan |
| Variable Life | Lifetime, investment focus | Growth potential, market risk |
| Final Expense | Small funeral coverage | $5k–$25k, easy approval |
| Guaranteed Issue | No exam, guaranteed | High cost, low coverage |
| Group Life | Employer/group coverage | Low cost, ends with job |
Ways to Save Money on Life Insurance
Top Life Insurance Discounts by Provider & Savings| Company | Bundling | Family History | Good Health | Healthy Lifestyle | Non- Smoker |
|---|---|---|---|---|---|
 | 5% | 15% | 10% | 5% | 10% |
 | 5% | 10% | 12% | 7% | 12% |
 | 7% | 10% | 12% | 6% | 8% |
 | 5% | 10% | 13% | 7% | 8% |
| 8% | 10% | 10% | 7% | 12% |
 | 5% | 12% | 15% | 10% | 15% |
 | 5% | 7% | 10% | 10% | 10% |
 | 4% | 20% | 25% | 7% | 10% |
 | 15% | 18% | 14% | 12% | 15% |
 | 5% | 10% | 12% | 7% | 10% |
Comparing Insurance Providers
Now that you have the info you need to pick the right insurance company for you, there’s one final essential step: comparing quotes. That’s where our quote comparison tool comes in handy. In just under a minute, get dozens of personalized quotes from the big 5 and other companies. It’s that easy, and it’s right here.
Consumer & Financial Ratings for Top 5 Competitors
Allstate
Allstate customers mention the quality of bundling their services, such as auto and home insurance, and the quality of their customer service when communicating with agents over the phone. They also mention raising their rates, and that it can be difficult to file a claim with Allstate. While some say that agents over the phone can be courteous, others identify that actually getting an agent on the phone can be very difficult. Customers also mention that getting Allstate to pay for repairs after an accident can be more difficult than usual.
Geico
Geico has one of the highest ratings from the BBB, and customers generally comment that contacting a Geico agent is easy and that the mobile app is user-friendly. Some customers report their premiums increasing, and that payouts from Geico after an accident can take longer than usual to receive. Some reviews indicate they may also add fees to your premium beyond the quoted rate.
State Farm
State Farm has the lowest BBB rating of all five companies. Common customer complaints include slow turnaround times for claims service and difficulty canceling their service if you decide to move on. A few customers also cite being dropped by State Farm, either for their auto or home insurance, for filing too many claims. While a few customers complain about pricing, many note that they’ve been with State Farm for years, and some also suggest that rate premiums tend to increase over time.
Progressive
Progressive also has a high BBB rating, and positive reviews mention that their website is easy to use and that agents are friendly. They also mention that a Progressive agent will check the quality of repairs completed by a shop after an accident. Negative reviews suggest, like other companies, that Progressive can be hard to cancel and that claims service can take longer than quoted. Customers report that filing a claim with Progressive can raise their rates, and some have noticed increases regardless of their claim history.
Farmers
Farmers Insurance has the highest Better Business Bureau rating among the five companies. Positive reviews mention quality customer service from their agents, as well as agents who are well-informed and quick to respond to roadside assistance claims. Reviews state that they can be difficult to cancel at times, but don’t mention bad pricing or rate hikes. They do say that Farmers can be slow to process claims and that a single accident may involve multiple claims or deductibles, depending on the damage.
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