GEICO vs Allstate Car Insurance

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GEICO or Allstate:
Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: rates vary based on your driving history, age, and location, and companies offer an array of perks. GEICO and Allstate are among the US' most popular insurance companies, providing high-quality insurance policies in most US states.

To make shopping for car insurance easier, we have gathered average policy prices from Allstate and GEICO. These rates cover myriad rating factors, including credit rating, driving history, and age. Examine these rates and find your next car insurance policy today.

Take a deep dive: Read our comprehensive reviews of GEICO and Allstate.


Comparing car insurance rates: GEICO vs. Allstate


GEICO vs. Allstate: pricing by credit score

If you have very bad credit, GEICO could be a better option for you. On average, GEICO offers better prices than Allstate for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should lean toward GEICO, which typically beats Allstate by $679 per year. View average insurance rates by credit score for Allstate and GEICO below.


CREDIT SCORE INSURANCE RATE COMPARISON: Allstate VS. GEICO
Credit scoreGEICO avg. annual premiumAllstate avg. annual premium
Very Poor (300-579)$2,051$3,117
Fair (580-669)$1,358$2,162
Good (670-739)$1,485$2,021
Very Good (740-799)$1,120$1,820
Exceptional (800-850)$1,064$1,743

GEICO vs. Allstate: rates for bad drivers

If you're carrying an at-fault accident, ticket, reckless driving violation, or DUI on your driving résumé, GEICO could be a better choice than Allstate. Every car insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Allstate VS. GEICO
CitationGEICO avg. annual premiumAllstate avg. annual premium
At-fault accident (damage < $1,000)$1,857$3,006
At-fault accident (damage > $1,000)$1,580$2,290
DUI/DWI$2,550$3,637
Reckless driving$2,238$3,388
Speeding ticket$1,395$2,256

GEICO vs. Allstate: rates by age

Auto insurance companies rely on a driver's age as an estimator of risk, pricing premiums accordingly. Auto insurance is commonly expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Since each insurance company prices age tiers uniquely, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose GEICO before Allstate: GEICO offers average yearly savings of $2,934, compared to Allstate.


RATES BY AGE: Allstate VS. GEICO
AgeGEICO avg. annual premiumAllstate avg. annual premium
Teens$3,508$6,442
20s$1,438$2,636
30s$1,218$2,636
40s$1,189$1,912
50s$1,160$1,893
60s$1,065$1,768

Finances aside, GEICO and Allstate each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonGEICOAllstate
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonGEICOAllstate
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOAllstate
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOAllstate
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.
Roadside AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.
Additional DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
Recent QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
See More Questions
Compare MoreGEICO vs. 21st Century GEICO vs. Allied GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root Insurance GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAAAllstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Insurance Allstate vs. Safe Auto Allstate vs. Safeco Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA
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GEICO vs Allstate

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