Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

GEICO Mobile vs State Farm®

GEICO Mobile 4.8★ · Free to download 75
Winner GEICO Mobile
State Farm® 4.8★ · Free to download 68

GEICO Mobile has a slight edge due to its more consistent app functionality and customer service, despite both apps facing issues with login and tracking features.

Full reviews: GEICO Mobile · State Farm®

Both GEICO Mobile and State Farm® offer essential insurance management features, but users report more consistent ease of use and payment options with GEICO. State Farm® struggles with persistent login issues and a problematic 'Drive Safe & Save' feature that raises privacy concerns and tracking inaccuracies.

Head to head

Features and Functionality edge: GEICO MobileR3R5R6R19
GEICO Mobile GEICO Mobile users appreciate being able to perform most necessary tasks within the app, such as making payments, updating payment methods, and accessing policy information R5R24. However, some users report issues with specific features like Apple Pay no longer being supported, difficulty getting RV quotes, and problems adding motorcycle coverage R3R6R21. There are also complaints about the app being buggy, sluggish, or crashing, making it difficult to perform actions R19.
State Farm® State Farm® users find the app useful for filing claims, tracking claim status, and managing rental car processes . However, the app is criticized for being limited in mobile functionality, with users unable to change body shops on claims or upload videos . Basic information can be hard to find, and the app often requires updates that disable offline access or reset settings .
Ease of Use and Login edge: GEICO MobileR9R15R21R24
GEICO Mobile GEICO Mobile is generally praised for being user-friendly, easy to navigate, and having accessible controls R24. However, users frequently complain about a clunky login process, issues with Face Recognition, and annoying 2FA requirements R9R15R25R27. Some also find the app unintuitive and backwards R21.
State Farm® State Farm® users experience significant login difficulties, with the app frequently nuking local settings, PIN, and Face ID after updates . Many users report being unable to create accounts or that the app doesn't recognize their information . Basic information is often hard to find, requiring users to jump around the app .
Billing and Payments edge: GEICO MobileR4R12R20R23
GEICO Mobile GEICO Mobile users appreciate the ease of making payments and updating payment methods within the app R24R26R34R54. However, there are complaints about payment processing delays, aggressive cancellation notices even before due dates, and issues with auto-pay not working or cards being rejected R4R12R20. Some users also report difficulty finding information on how to pay bills R23.
State Farm® State Farm® users report issues with adding new payment methods and the app asking for credit card information that is already stored . The app also loads expired cards onto Apple Wallet with no way to remove them .
Customer Service and Claims tieR1R6R7R13
GEICO Mobile GEICO Mobile receives mixed reviews for customer service. Some users praise the customer service reps as knowledgeable, friendly, and top-tier R14. Others report long hold times, dropped calls, and difficulty reaching human beings, feeling pushed towards the app's AI R6R7R28. There are also complaints about denied claims and poor resolution for billing mistakes R1R13.
State Farm® State Farm® customer service is often praised for being helpful, responsive, and professional, with agents assisting step-by-step with claims and policy needs . However, some users report no response from the claims team, difficulty getting decisions on claims, and issues with claim estimates being inaccurate . The virtual assistant is also described as useless .
Drive Safe & Save / Tracking Features edge: GEICO MobileR18R63R64R69
GEICO Mobile GEICO Mobile's tracking feature is a point of contention. While some users appreciate potential savings, many dislike being tracked everywhere and feel penalized for normal driving or working from home R18.
State Farm® State Farm®'s 'Drive Safe & Save' feature is a major source of frustration. Users complain about constant, annoying reminders and the app forcing them to view promotional screens . The tracking is described as inaccurate, flagging normal braking or turns as poor driving, and being out of touch with reality in traffic or construction . There are also significant privacy concerns about the app recording data 24/7, even when not driving, and requiring location services and Bluetooth to be always on R81R82R86. Setting up the feature is also reported as extremely difficult .
Value and Pricing edge: State Farm®R8R10R13R26
GEICO Mobile GEICO Mobile users have mixed opinions on pricing. Some praise GEICO for good pricing and significant savings R8R26. However, many complain about aggressive rate increases, high insurance costs, and feeling that they don't receive benefits or discounts despite full coverage R10R13.
State Farm® State Farm® users generally express satisfaction with their pricing and the value they receive, especially long-time customers .
Pick GEICO Mobile if

You prioritize a generally smoother app experience for payments and policy management, and you are wary of aggressive driving tracking features R5R24.

Pick State Farm® if

You value strong, personalized customer service from agents for claims and policy needs, and you are less concerned about app login issues or the 'Drive Safe & Save' feature's tracking .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The reviews for both apps show a mix of positive and negative experiences, with recent negative reviews often focusing on app functionality and specific features.

Frequently asked

Which app is better for managing payments?
GEICO Mobile is generally better for managing payments, with users frequently praising its ease of use for making payments and updating payment methods R24R26R34R54. State Farm® users report issues with adding new payment methods and the app incorrectly asking for credit card information already on file .
Do these apps have issues with login and security?
Both apps have issues with login and security, but State Farm® appears to have more persistent and frustrating problems, with users reporting that updates frequently disable Face ID, PIN login, and require password resets . GEICO Mobile users also find the login process clunky and complain about Face Recognition not working and annoying 2FA R9R15R25R27.
Which app has better customer service?
Customer service is a tie between the two apps, as both receive strong praise and significant criticism. State Farm® users frequently commend their agents for being helpful and responsive during claims , while GEICO Mobile users also highlight top-tier, knowledgeable, and friendly customer service R14. However, both apps also have users reporting long hold times, difficulty reaching humans, or unhelpful claim processes R6R7R28.
Are there privacy concerns with either app's driving features?
Yes, there are significant privacy concerns with State Farm®'s 'Drive Safe & Save' feature, as users report the app recording data 24/7, even when not driving, and requiring constant location services and Bluetooth, which some describe as "24/7 surveillance" and an "insane overreach" R81R82R86. GEICO Mobile's tracking feature also raises concerns among users who dislike being tracked everywhere they go R18.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] GEICO Mobile 3/5 · US Apple Pay option gone: The Apple Pay used to be an option for payment on Apple app but no longer supported in the latest version. Why so?
  2. [R5] GEICO Mobile 5/5 · US Love Geico! Love the App!: I can do almost everything I need to do! And it's always available. I literally left GEICO and the other company’s app was so useless, I switched back! FOR REAL! Twice!
  3. [R6] GEICO Mobile 3/5 · US RV Quote: I have tried to get an RV quote multiple times by phone, but have not gotten any email after being promised to receive it within 24 hours by the agent I spoke with. I tried calling again yesterday but was on hold for almost 1 hr and 30 minutes. I tried calling again today and was speaking with an agent when the call dropped. I did not get a call back and right now I have been on hold wai
  4. [R19] GEICO Mobile 1/5 · US Buggy: Awful, buggy, terrible. Nearly unused. It requires multiple attempts to do literally anything in the app. My numbingly repetitious.
  5. [R9] GEICO Mobile 3/5 · US Login could be smoother: I don’t like how clunky the login process is. It feels like I am logging in the way you would on a webpage.
  6. [R15] GEICO Mobile 3/5 · US Face recognition: Does not work right I have to manually put in my info when it’s already put in plus keep doing security codes
  7. [R21] GEICO Mobile 1/5 · US App is clunky and frustrating: Almost everything about the app is unintuitive and backwards. I had to call to add a motorcycle coverage to the app. In fact, years went by with me calling Geico to add my motorcycle to the app and they were unsuccessful until I practically got the IT department boss on the phone. It’s a joke. That’s just the tip of the iceberg. A group of lizards are probably workin
  8. [R24] GEICO Mobile 5/5 · US Geico: Thanks to the easy access and setup on Geico app, I can make changes and update payment methods easily on the app! It’s convenient and easy to use! Thanks for sharing an experience that is very useful and easy to navigate!
  9. [R4] GEICO Mobile 1/5 · US Due dates: It says I’m at risk of getting canceled, yet my bill is due on the first.
  10. [R12] GEICO Mobile 3/5 · US Pending cancellation: I don’t like the fact that my payment was literally due today and before the day was even over there was already a pending cancellation notice. Like damn let me at least go past the due date before the notice shows on the account
  11. [R20] GEICO Mobile 5/5 · US Payments: If your system took the money right away instead of when yall felt like it, it would be great. Some people are living paycheck to paycheck. And yall playin in they acct.
  12. [R23] GEICO Mobile 1/5 · US APP/billing: It gives no info on how to pay your bill on the app. The billing app did and said nothing just billing. Not even under help did it give steps on how to pay your bill under the billing selection.
  13. [R1] GEICO Mobile 1/5 · US Terrible: Google took my car down the wrong road. Ruined my car. GEICO app denied claim. Said it was my fault. New insurer or a court case incoming
  14. [R7] GEICO Mobile 1/5 · US Bring back humans: Geico is horrible now. I used to call and deal with a human being and now I have this terrible app. You can’t call anyone, the app is horrible and I really want to change insurance companies asap. I’ve been a customer for 10+ years and the last five have been a terrible experience. BRING BACK HUMAN BEING NOBODY WANTS THIS AI JUNK
  15. [R13] GEICO Mobile 1/5 · US Lousy insurance: For the whole time paying geico I don’t see the benefits of having this coverage I have cracked window and paying full coverage and yet I was told I can’t get the window fixed. I am looking for other insurance that is cheaper and more reasonable and accommodating to a car that is paid off yet no benefits no discounts but you guys are quick to cancel someone and take money it’s a r
  16. [R18] GEICO Mobile 3/5 · US Savings: I love how much they save me but I don’t like being tracked everywhere i go and what I’m doing. My vehicle doesn’t move much because I work from home and I’m not a phone user so it is stationary a lot and for the driving score it flags me a lot because of this. Again I do not like being tracked so when I use the vehicle I turn it on so I’m not penalized and have to pay a higher rate!
  17. [R63] State Farm® 3/5 · US Drive safe&save: I don’t agree with having to adjust who has my phone every single time I get into the car. I have a 3 and a 5 year old who has it.
  18. [R64] State Farm® 2/5 · US Stop removing my safe driving option: Every update has removed my safe driving info. I am sick and tired of reconnecting my beacon with each and every update!!!
  19. [R69] State Farm® 3/5 · US Weird: How it asks me to enable Bluetooth when I’m in my semi truck 100 miles away and then doesn’t remind me when I’m in my car next to the thing it’s supposed to Bluetooth to. 😂
  20. [R8] GEICO Mobile 5/5 · US Greatest insurance company !: GEICO is awesome full coverage for less than 220 a month ‼️
  21. [R10] GEICO Mobile 1/5 · US Aggressive increases: Auto insurance plan went from $700 a year to double at $1400 a year for no reason. Switch to Progressive immediately. Rates are way too high. Avoid this company.
  22. [R26] GEICO Mobile 5/5 · US I use the motorcycle insurance.: It is pretty good pricing for motorcycle insurance. They make it super easy to navigate the website, and paying early for monthly pay.
  23. [R34] GEICO Mobile 5/5 · US great to work with, Geico makes it easy to make payments online.: Five star
  24. [R54] GEICO Mobile 5/5 · US Friendly and efficient: It was very easy to adjust my payment method with the on time reminders of Geico
  25. [R25] GEICO Mobile 1/5 · US Abysmal: Can’t login with my birthdate/policy # saved password don’t work either. Read fine print you be amazed at the verbiage that increases your rates.
  26. [R27] GEICO Mobile 1/5 · US Please fix: The 2FA nonsense is absurd, and makes logging in unnecessarily difficult. Please have an option to turn this off. I do not need 2FA to view my policy in an insurance app.
  27. [R14] GEICO Mobile 5/5 · US Service: Customer service is always top tier!
  28. [R28] GEICO Mobile 4/5 · US Easy to use but: Strait forward app and focused mainly on taking payments and requesting information. It fails when it comes customer service unless your requests fall into a specific category. Not intuitive enough so need to call customer service and agents aren’t always the smartest people.
  29. [R81] State Farm® 3/5 · US Data trackers love this app: The fact that you have to have location services always on means that this app is following your every movement not something that I like to sign up for if they would change this as well as the fact that it uses your phones, Geo and accelerometer makes it very difficult to get a perfect score. Matter fact I drive a van that has cargo and typically leave plenty of room
  30. [R82] State Farm® 1/5 · US Constant data recording: This is basically a data harvester app for State Farm to sell your data. They updated their terms awhile back and in the new terms it states they're recording your data whether you're driving or not. I turned it off after that. Such an insane overreach for auto insurance. 24/7 surveillance is disgusting.
  31. [R86] State Farm® 1/5 · US Bluetooth off: The fact that I can’t have my Bluetooth off while I’m not driving without being spammed by your app is not right. I get it requires Bluetooth to work but to not be able to it off while I’m not moving or going faster then walking is very concerning and makes this app suck so hard.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store