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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.
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 level||GEICO avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$2,051||$3,117|
|Very Good (740-799)||$1,120||$1,820|
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.
|Citation||GEICO avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$3,006|
|At-fault accident (damage > $1,000)||$1,580||$2,290|
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.
|Age||GEICO avg. annual premium||Allstate avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Geico 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 Assistance||You 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 Discounts||Geico 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 More||GEICO 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 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. USAA||Allstate 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 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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