GEICO vs. Allied

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GEICO or Allied:
Which Company is Best for You?

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.

 

Comparing car insurance rates: GEICO vs. Allied

 

GEICO vs. Allied: prices by credit level

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.

 
RATES BY CREDIT SCORE: Allied VS. GEICO
Credit levelGEICO avg. annual premiumAllied 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
 

GEICO vs. Allied: high-risk insurance rate comparison

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.

 
HIGH-RISK INSURANCE RATE COMPARISON: Allied VS. GEICO
InfractionGEICO avg. annual premiumAllied 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
 

GEICO vs. Allied: rates by age

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 BRACKET INSURANCE RATE COMPARISON: Allied VS. GEICO
Age tierGEICO avg. annual premiumAllied 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 ComparisonGEICOAllied
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 ComparisonGEICOAllied
Financial Strength SuperiorExcellent
JD Power Rankings Above averageN/A
User Satisfaction 4.4/54.4/5
Other ProductsGEICOAllied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOAllied
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.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 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.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 DiscountsGEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. 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 QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
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