Find out whether Florida Farm Bureau or Geico is the right car insurance provider for you.

 
 

How does a regional provider stack up to an industry leader like Geico? In this review, we’ll compare Florida Farm Bureau insurance vs. Geico to see which offers more comprehensive coverage. We’ll also break down discount opportunities, customer reviews, and the ease of the claims process to help in your decision.

Keep reading to learn more about Florida Farm Bureau insurance and Geico. To go ahead and get a few free, personalized quotes from some of the best car insurance companies in your area, enter your zip code into the tool above. We always recommend getting at least three quotes while shopping for car insurance so you can compare coverage and prices side by side.

 

In this article:

 


 

Florida Farm Bureau And Geico Highlights

The Farm Bureau is a nationwide organization that spreads awareness about agriculture in America, and it also provides various types of insurance. The Florida Farm Bureau in particular is a subsidiary of the Southern Farm Bureau Casualty Insurance Group. You don’t have to be a farmer to get Farm Bureau car insurance, but you do have to pay a membership fee that varies depending on your location.

Geico, on the other hand, is a well-known insurer that underwrites a variety of insurance policies including auto, home, business, and life insurance. Geico got its start insuring government employees but today insures all types of drivers as a subsidiary of Berkshire Hathaway.

  Florida Farm Bureau Insurance Geico
Motor1 Rating 2.5 4.5
Availability For Florida residents with
a Farm Bureau membership
50 states
Coverage 3.0 4.0
Cost 3.0 4.0
Customer Service 3.0 4.0
AM Best Financial Strength Rating A A++
Mobile App Google Play Rating 2.5 4.8
 

Learn more about these providers in our complete Florida Farm Bureau insurance review and Geico auto insurance review.

 


 

Florida Farm Bureau Insurance Vs. Geico: Coverage

When you’re in the market for a new car insurance provider, it’s important to look at the available coverage to be sure that you will have the protection you need.

If you’re looking for a basic car insurance plan, Florida Farm Bureau has you covered. But you won’t be able to get extras like roadside assistance or mechanical breakdown insurance with the provider. Geico offers more comprehensive coverage options.

  Florida Farm Bureau Insurance Geico
Bodily Injury Liability (BI)
Property Damage Liability (PD)
Collision
Comprehensive
Personal Injury Protection (PIP)
Medical Payments (MedPay)
Uninsured/Underinsured Motorist (UM/UIM)
Roadside Assistance  
Rental Car Reimbursement  
Accident Forgiveness Insurance  
Mechanical Breakdown Insurance (MBI)  
Rideshare Insurance  
Pet Injury Coverage  
Transportation Expense Coverage  
 

Standout Coverage From Florida Farm Bureau Insurance

  • Pet injury coverage: You will be reimbursed up to $500 for veterinary expenses if your dog or cat is injured in a covered car accident.
  • Transportation expense coverage: If you get into a covered accident more than 100 miles from home and you have this coverage, you will be compensated for the cost of transportation and lodging.

Standout Coverage From Geico

  • MBI: Geico mechanical breakdown insurance protects you from having to pay for breakdowns like air conditioning or engine failures.
  • Rideshare coverage: This type of insurance is for customers who drive for rideshare services like Uber or Lyft. It covers you while driving to a pick up or drop off passengers.

 


 

Florida Farm Bureau Insurance Vs. Geico: Cost And Discounts

We found Geico to be the cheaper of the two car insurance providers on average. However, the cost of insurance depends on many factors, including your vehicle make and model, location, and driving history.

The only way to know how much you would pay for a policy is to get a quote. We recommend getting multiple quotes from different providers and comparing the costs to be sure that you’re paying the best rates for your car insurance. Enter your zip code below to start comparing free quotes from providers near you.

 

To help you compare Florida Farm Bureau insurance vs. Geico, take a look at the discounts offered by each provider to see what savings you might qualify for.

  Florida Farm Bureau Insurance Geico
Safe Driver
Good Student
Multiple Vehicle
Young Driver Training  
Multiple Policy  
Defensive Driver  
Anti-Theft Devices  
Vehicle Safety  
Usage-Based Program  
Military Discount  
Emergency Deployment  
Anti-Lock Brakes  
New Car  
Federal Employee  
Affinity Membership  
 

Standout Discounts From Florida Farm Bureau Insurance

  • Young driver training discount: If a teen on your policy takes a pre-approved driver training course, you can save money on your car insurance rates.

Standout Discounts From Geico

  • Military discount and emergency deployment: If you’re in the military, you could save up to 15 percent on your car insurance.
  • Affinity membership and federal employee discount: Geico partners with multiple academic and professional organizations to give members and employees of certain groups (like people who work for the U.S. government) discounts on auto insurance.
  • Vehicle safety: If your car has safety features like anti-lock brakes or anti-theft technology, you could save money on your car insurance from Geico.

 


 

Florida Farm Bureau Insurance Vs. Geico: Ratings And Reviews

Overall, Florida Farm Bureau and Geico both have strong reputations in the auto insurance industry. Here are ratings from the Better Business Bureau (BBB), which measures a company’s business practices and response to customer complaints, and AM Best, which assesses financial strength and ability to pay out customer claims.

  Florida Farm Bureau Geico
BBB Rating A A+
AM Best Financial Strength Rating A A++
 

Although Florida Farm Bureau insurance scores highly, Geico is a better choice in the eyes of industry experts. Customer reviews are mixed for both providers, which is common for car insurance companies.

Florida Farm Bureau insurance reviews indicate dissatisfaction with long-term customer service and unresponsive agents. Positive reviews reflect satisfaction with the hassle-free claims process and positive experiences for customers who have been with the company for a shorter period of time. 

In the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, Geico scored 871 out of 1,000 points, meaning customers were overall satisfied with the claims process. Florida Farm Bureau was not included in the study due to its size. Customer reviews for Geico on the BBB highlight dissatisfaction with policies being canceled without notice and difficulty with the claims process. Happy Geico customers report long-term customer satisfaction and respectful customer service agents.

 


 

Our Take On Florida Farm Bureau Insurance Vs. Geico

When you compare Florida Farm Bureau insurance vs. Geico, it’s clear that Geico pulls ahead for its comprehensive coverage, low car insurance rates, and high ratings from experts. Florida Farm Bureau may be the right choice for some drivers, but overall, we recommend Geico insurance.

Coverage Geico
Cost and Discounts Geico
Ratings and Customer Reviews Geico
Overall Geico
 

When you’re ready to start comparing car insurance quotes from major providers near you, enter your zip code below.

 

 


 

Recommended Car Insurance Providers

When you’re shopping for a new car insurance provider, it’s smart to get quotes from multiple companies. This way, you can see which provider has the right insurance products and prices to meet your needs. In addition to Geico or Florida Farm Bureau, check out USAA and State Farm for car insurance in Florida.

USAA: Best For Military

USAA Insurance logo

Our review team ranked every major car insurance company in the industry, and USAA was the only provider to earn 5.0 out of 5.0 stars. USAA is exclusively available to military members and their families, but for those that qualify, it’s a great choice for coverage.

With USAA, you can get basic auto insurance as well as extras like glass coverage. The insurer offers many discount opportunities, including up to 15 percent off for garaging your car on a military base and a safe driving program called SafePilot® that collects data about your driving habits to qualify you for savings.

Read our complete USAA auto insurance review to learn more.

State Farm: Best For Students

State Farm Insurance logo

State Farm is a good car insurance option for students and teen drivers. The biggest car insurance company on the market, it has basic auto insurance and many extras including roadside assistance and rideshare insurance. State Farm's Drive Safe & SaveTM is a usage-based app that can help you lower your car insurance rates over time, and the company also offers its Steer Clear® program for drivers younger than 25 with at least three claim-free years of safe driving. Completing this course, which is available via mobile app, could qualify young customers for savings.

Find out more about coverage in our full State Farm auto insurance review.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.