GEICO vs Allstate
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GEICO or Allstate:
Which Company is Best for You?

July 31, 2018

Allstate and GEICO are two of the most popular car insurance companies in the US. Both companies boast A+ financial strength ratings from AM Best and Consumer Reports ratings of 81 or higher. When shopping policies, the premiums each carrier offers based on drivers’ credit scores, driving history, age, and vehicle type.

 

Compare Allstate vs. GEICO auto insurance rates

 

Allstate vs. GEICO rates by credit level

Drivers at every credit level will find cheaper rates through GEICO than through Allstate. If you have a very poor credit history, you can save $193 annually by electing GEICO. Drivers with exceptional credit scores of 800 or better save $137 per year on average with GEICO vs. Allstate.

Credit level

GEICO premium

Allstate premium

Very Poor (300-579)

$2,720

$2,913

Fair (580-669)

$2,212

$2,403

Good (670-739)

$1,804

$1,984

Very Good (740-799)

$1,490

$1,648

Exceptional (800-850)

$1,246

$1,383

 

Allstate vs. GEICO rates with bad driving records

Allstate and GEICO handle most citations and violations in a similar fashion, charging drivers with accidents or DUIs on their record nearly matching rates. The one exception is reckless driving. If you have a reckless driving conviction on your record, consider GEICO over Allstate — it could save you more than $400 per year.

Citation

GEICO premium

Allstate premium

At-fault accident (damage <$1,000)

$2,076

$2,072

At-fault accident (damage >$1,000)

$2,282

$2,323

DUI

$2,632

$2,742

Reckless driving

$2,257

$2,695

None

$1,417

$1,573

 

Allstate vs. GEICO rates by vehicle type

The GEICO vs. Allstate decision may come down to the variety of vehicle you drive. If you’re a truck- or minivan-owner, GEICO could save you approximately $70 per year. If you drive a sedan or SUV, choose Allstate over GEICO to save about $50 annually.

Vehicle type

GEICO premium

Allstate premium

Sedan

$1,446

$1,389

Van

$1,490

$1,561

SUV

$1,302

$1,248

Truck

$1,546

$1,619

Luxury

$2,118

$2,177

Green

$1,668

$1,727

 

Allstate vs. GEICO rates for teen drivers

As a teen driver, you’re going to pay a lot for car insurance, so it’s important to save wherever you can. GEICO is a more affordable option than Allstate for teen drivers, charging an average 17-year-old only $987 per 6-month policy. Conversely, Allstate charges teen drivers more than $2,200 per 6-month term.  

Age

GEICO premium (6-mo.)

Allstate premium 6-mo.)

17 years old

$987

$2,295

 

Instead of shopping based on price alone, assess the various merits of Allstate and GEICO before deciding on a policy. Each company offers unique discounts and roadside assistance programs, and has different customer satisfaction and financial stability ratings. Review the data before making your decision.

Discount Comparison GEICO Allstate
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 Comparison GEICO Allstate
Financial Strength Superior Superior
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

N/A

A+

Other Products GEICO Allstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features GEICO Allstate
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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