Selecting an auto insurance company can be difficult: rates fluctuate based on your driving record, age, and location, and every company provides a different set of discounts. GEICO and Allied are two of the most popular auto insurance companies, offering competitively priced coverage across large portions of the US.
To make insurance shopping seamless, we have gathered average insurance rates from Allied and GEICO. The below cover myriad rating factors, including credit, driving history, and age. Examine these rates and find an affordable policy today.
Take a deep dive: Check out our reviews of GEICO and Allied.
If you have very poor credit, Allied could be preferable to GEICO. On average, Allied offers more affordable rates than GEICO for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should lean toward Check out common insurance rates by credit tier for Allied and GEICO below.
| Credit level | GEICO avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $2,051 | $1,483 |
| Fair (580-669) | $1,358 | $1,097 |
| Good (670-739) | $1,485 | $1,104 |
| Very Good (740-799) | $1,120 | $920 |
| Exceptional (800-850) | $1,064 | $857 |
If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DWI on your résumé, Allied could be a better choice than GEICO. Every auto insurance company will handle driving offenses differently, so it's worth comparing quotes to find out which insurer is best for you.
| Infraction | GEICO avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $1,857 | $1,662 |
| At-fault accident (damage > $1,000) | $1,580 | $1,221 |
| DUI/DWI | $2,550 | $2,708 |
| Reckless driving | $2,238 | $2,708 |
| Speeding ticket | $1,395 | $1,232 |
Auto insurance companies rely on a driver's age as an indicator of potential risk, assigning rates accordingly. An insurance policy is usually most expensive for beginning and young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every car insurance company prices age tiers differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose GEICO before Allied: GEICO offers average yearly savings of $18, compared to Allied.
| Age tier | GEICO avg. annual premium | Allied avg. annual premium |
| Teens | $3,508 | $3,526 |
| 20s | $1,438 | $1,392 |
| 30s | $1,218 | $1,392 |
| 40s | $1,189 | $959 |
| 50s | $1,160 | $915 |
| 60s | $1,065 | $832 |
Cost aside, GEICO and Allied come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | GEICO | Allied |
|---|---|---|
| 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 | Allied |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | GEICO | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | GEICO | Allied |
|---|---|---|
| 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. | Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right 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. | Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts. |
| Additional Discounts | GEICO offers an additional discount for vehicles with daytime running lights. Moreover, the company offers the policy feature of accident forgiveness. | Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually. |
| Recent Questions | What 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 | Will my insurance company cover my vehicle if my cousin was driving my car? Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process. If I claim my injuries after an accident, will that make my rates higher?Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options. Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?<span data-sheets-value="{"1":2,"2":"Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing. How much do car insurance rates go up after a DUI?<span data-sheets-value="{"1":2,"2":"Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none. See More Questions |
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