GEICO vs Allstate Car Insurance

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GEICO or Allstate:
Which Company is Best for You?

Choosing a car insurance company can be tricky: rates vary by driving record, location, and age, and companies offer an array of discounts. GEICO and Allstate are counted among the most popular car insurance companies, selling affordable insurance policies across large swaths of the US.

To take the sting out of shopping for car insurance, we gathered average insurance rates from Allstate and GEICO. These cover a variety of rating factors, including credit rating, driving infractions, and age. Take a look at these rates and find your next car insurance policy today.


GEICO vs. Allstate: rate comparison


GEICO vs. Allstate: pricing by credit score

If you have very poor credit, GEICO could be the best option for you. On average, GEICO offers cheaper rates than Allstate for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should favor GEICO, which typically beats Allstate by $679 per year. View common insurance costs by credit score for Allstate and GEICO below.


CREDIT SCORE INSURANCE RATE COMPARISON: Allstate VS. GEICO
Credit levelGEICO 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 after infractions

If you have an at-fault accident, ticket, reckless driving citation, or DUI on your driving résumé, GEICO could be a better choice than Allstate. Every auto insurance company prices its policies differently, so always do your due diligence and compare quotes to find out which insurer suits you.


RATES BY VIOLATION: 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

Insurance companies rely on age as an estimator of risk, pricing premiums accordingly. Auto insurance is typically priciest for beginning and young drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since each insurance company rates age brackets in a different way, it's worth doing some comparison shopping.

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


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 carry pros and cons, including the insurers' discount programs, add-ons, 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
3 out of 5
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOAllstate
Boat Insurance
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.
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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. 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. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. Safe Auto 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. Farmers Allstate vs. Foremost Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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GEICO vs Allstate

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