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GEICO vs. Allstate: Which company is best for you?

Both GEICO and Allstate enjoy widespread brand recognition and a large share of the auto insurance market, but which one is best for you? We've compared both companies to give you an idea of what you can expect as a customer. Read on to find out more.

GEICO car insurance

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5 Rating from The Zebra Question mark icon

GEICO has the second-largest share of the auto insurance market and is one of the most recognizable carriers in the country. The company generally receives good customer satisfaction ratings. Furthermore, GEICO is known for having some of the most affordable rates among major carriers. 

Pros Cons
  • Affordable rates for most
  • Wide-ranging coverage options
  • Great customer satisfaction scores
  • Lack of local agents                                          
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Allstate car insurance

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4 Rating from The Zebra Question mark icon

With an extensive list of coverage options and nationwide availability, Allstate is one of the most popular insurance carriers in the country. For drivers with complex needs, Allstate is a great option, though rates are a bit more costly than some other carriers of similar size. 

Pros Cons
  • Favorable third-party reviews
  • Wide-ranging coverage options
  • Low number of customer complaints for its size
  • More expensive than average rates                                      
Learn more

Which company comes out on top?

GEICO


GEICO comes out on top in most categories, including customer satisfaction, coverage options, and price. These factors make GEICO a strong choice for most drivers.


GEICO vs. Allstate: car insurance rate comparison

Choosing a car insurance company can be tough: companies' rates differ by driving history, age and location. GEICO and Allstate are two of the most popular insurers, providing comprehensive policies in most states.

In an effort to simplify the comparison process, we've collected average rates from Allstate and GEICO. These rates cover a variety of pricing components, including credit rating, driving history, and age. Take a look at these rates to help you in your search for an affordable policy. Keep in mind, however, that your rates are likely to be different than our samples. 

Want to learn more? Read our full reviews of GEICO and Allstate.

Cheapest average rates
Cheapest average rates

GEICO has the cheapest rates overall on average. However, this can vary from person to person, so it's always a good idea to get quotes from many different insurers to see which policy is most affordable.


GEICO vs. Allstate: pricing by credit score

If you have very poor credit, GEICO could be the way to go. On average, GEICO offers more affordable rates than Allstate for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should consider GEICO, which typically beats Allstate by $679 per year. View common insurance rates by credit level for Allstate and GEICO below.

 

RATES BY CREDIT LEVEL: ALLSTATE VS. GEICO
Credit score GEICO avg. annual premium Allstate 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

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

GEICO vs. Allstate: rates for high-risk drivers

If you're dealing with an at-fault collision, speeding ticket, reckless driving citation, or DWI on your driving résumé, GEICO could be a better choice than Allstate. Each insurer has different post-violation pricing structures, so it's worth comparing quotes to understand which insurer suits you.

 
RATES BY CITATION: ALLSTATE VS. GEICO
Violation 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
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 use a driver's age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is usually priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for older drivers. Because every car insurance company prices age brackets differently, it's worth doing some comparison shopping.

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

 
RATES BY AGE: ALLSTATE VS. GEICO
Age tier GEICO avg. annual premium Allstate 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

Costs aside, GEICO and Allstate both have pros and cons, including discount programs, customer satisfaction ratings, policy add-ons and financial stability. Be sure to get quotes and compare rates before making a decision.

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Ratings comparison: GEICO vs. Allstate

When looking for a new auto policy, prices aren't the only thing to compare. Good scores from customers and third-party rating agencies can help you find an insurance company that provides good rates and great customer service. To help, we've found a variety of ratings for both GEICO and Allstate to help you determine each company's customer satisfaction level, number of complaints and fiscal security outlook.

GEICO vs. Allstate
Ratings comparison GEICO Allstate
Financial strength (A.M. Best) Superior Excellent
JD Power (claims satisfaction) Average Average
JD Power (customer satisfaction) Average Average
NAIC rating Average Excellent
The Zebra's editorial review score 5/5 4/5
The Zebra's Customer Satisfaction Survey 4.4/5 4.5/5

Which company scores best?

GEICO


These two companies are evenly matched, but GEICO's financial strength is stronger than Allstate's. The Zebra's editorial review places GEICO in the top spot with a star rating of 5 out of 5. 


The Zebra's Customer Satisfaction Survey

The Zebra conducted a survey to get a sense of which major car insurance providers are viewed by their customers. Find a rundown of the results below. 

GEICO logo
GEICO

GEICO came in fourth place overall with a score of 4.4. Below are some highlights from the survey.

  • GEICO placed first for Online Satisfaction (website and apps)
  • Scored well for Customer Service and Willingness to Recommend
  • Viewed most favorably by drivers in the Boomer generation
Allstate logo
Allstate

Allstate came in eighth place overall for car insurance with a score of 4.3. See the survey highlights below:

  • Scored sixth place for trustworthiness
  • Preferred by older drivers overall
  • Struggled with claims satisfaction

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


GEICO vs. Allstate: discount comparison

Car insurance discounts can help you save big on your insurance premiums. Take a look at how discounts from GEICO and Allstate stack up below.

GEICO vs. Allstate: discount comparison
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

In addition to the discounts above, GEICO also offers a senior citizen discount to qualifying drivers. Allstate offers additional discounts for utility vehicles, farm vehicles, and the newly retired. 


Telematics options: GEICO vs. Allstate

GEICO and Allstate both offer telematics car insurance programs that can be beneficial to certain types of drivers. Have a look at the comparison below to see if one stands out as a better option for your insurance needs.

GEICO logo
GEICO DriveEasy

GEICO Drive Easy Pro is an app that tracks your driving habits to better assess your level of risk. For safe drivers, this can sometimes result in cheaper rates. Currently, the app is rated on app stores at 3.5 out of 5 stars (both Google Play and the Apple Store).

Allstate Drivewise
Allstate Drivewise

This telematics program uses a mobile app to track your driving behavior, possibly leading to discounts for safe motorists. Drivers receive 3% cashback for signing up for Drivewise. The app-based program can be used by both policyholders and "non-customers" alike to view driving data and receive feedback.

Allstate milewise
Allstate Milewise

Milewise is a newer program that offers pay-per-mile car insurance. This type of coverage could benefit low-mileage drivers in particular as your rates are based on the number of miles that you drive. These miles are tracked by a plug-in device. While not available in every state, Allstate has plans to continue expansion in an effort to gain more users. 

Zebra tip: Explore Allstate for telematics offerings


While GEICO boasts great online reviews overall, their telematics app suffers lower scores across multiple platforms. Furthermore, Allstate has more telematics options overall. The company's dedicated pay-by-the-mile plan, Milewise, is a great option for low-mileage drivers. 


Roadside assistance: GEICO vs. Allstate

No one wants to be caught on the side of the road after a breakdown. Check out the different roadside assistance packages offered by both GEICO and Allstate below.

GEICO

GEICO's roadside assistance offers the following:

  • Towing
  • Jump starts
  • Tire changes (when you have a spare)
  • Up to $100 for lockout services
  • Fuel delivery
  • Winching for stuck vehicles (depending on severity)

 

Allstate

Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).

tow truck

GEICO vs. Allstate: home insurance

While both companies have a huge presence in the auto insurance industry, the same goes for homeowners coverage. GEICO offers homeowners insurance through a number of partner companies instead of under its own banner. That said, each company has unique coverage options and price points. See our comparison to find out which company might be the best fit for your home insurance needs.

 

GEICO homeowners insurance review

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4 Rating from The Zebra Question mark icon

While not as large a portion of its business as auto insurance, homeowners coverage remains an important part of GEICO's product offerings. The company partners with many insurers throughout the nation to provide home insurance. Still, customer service scores and third-party ratings remain high. 

  • The Zebra Customer Satisfaction Survey – 4.4/5: GEICO's home insurance coverage earned a relatively high score in The Zebra's 2021 customer satisfaction survey.
  • Claims satisfaction (J.D. Power) – Not rated 
  • Customer satisfaction (J.D. Power) – Not rated 
  • Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing. 
  • NAIC Rating – Excellent: The National Association of Insurance Commissioners (NAIC) received fewer customer complaints than average regarding GEICO homeowners insurance in 2020.
Learn more

Allstate homeowners review

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4.0 Rating from The Zebra Question mark icon

Allstate offers highly customizable home insurance policies and is generally held in high regard by customers and rating agencies alike. The company's homeowners offering came in ninth overall in The Zebra Customer Satisfaction Survey, indicating that it fell somewhere in the middle of the pack. While Allstate offers a wide array of coverage options, those looking for the cheapest policy may do better to search elsewhere.

  • The Zebra Customer Satisfaction Survey — 4.3/5: Allstate earned satisfactory marks in The Zebra's consumer survey.
  • Claims satisfaction (J.D. Power) — Average: Allstate was rated as average in claims satisfaction by J.D. Power.
  • Customer satisfaction (J.D. Power) — Above average: Allstate was among the top performers in J.D. Power's 2020 study of customer satisfaction. 
  • Financial strength — Excellent: Allstate's finances grade out at an A+, according to A.M. Best.
  • NAIC Rating — Above Average: Allstate's homeowners insurance received fewer customer complaints than the national median.
Learn more

Which company comes out on top?

Allstate


Both GEICO and Allstate can pair customers with good homeowners policies. Allstate's homeowners policies offer lower rates for homeowners policies and a wide array of dicount options. While both companies are worth exploring for homeowners insurance, Allstate is able to offer a similar scope of coverages with more discount opportunities and slightly lower premiums.


GEICO vs. Allstate: home insurance rate comparison

Allstate's average annual homeowners insurance rate is $1,594. Because GEICO does not underwrite its own homeowners policies, it's more difficult to provide accurate rate data.

Your individual rates are likely to vary from one company to another. This is because companies have different methods for underwriting. Your rates are highly dependent upon both where you live and your individual profile, and each company will place a different weight upon factors such as area crime, proximity to fire-fighting services and the age of your home. For this reason, it's highly recommended that you shop for homeowners quotes from a number of different sources, as this will likely lead you to the best rate.

Cheapest average rates
Cheapest average rates

Based on the data we have available, Allstate has the cheaper home insurance rates at around $118 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


GEICO vs. Allstate: homeowners discount comparison

Home insurance discounts are a great way to save money on your premiums. Both companies offer such discounts, though Allstate provides far more options for saving. 

GEICO VS. ALLSTATE: HOMEOWNERS DISCOUNT COMPARISON
Discount comparison GEICO Allstate
Claims free
Recent home buyer
Multi-policy
Early signing
Newer/more durable roof
Protective devices (smoke/burglar alarms, etc...)
Paid in full
Auto pay

Allstate offers far more discount options than GEICO for qualifying customers, though this doesn't necessarily mean that they will be cheaper for everyone. It's important to note that there may be more options for discounts through GEICO's partner companies.

Zebra tip: Check out Allstate if you are seeking home insurance discounts


Qualifying customers have a number of discounts to choose from, including discounts for being claims-free, having protective devices and bundling car and home insurance together. However, even with extra discounts, other companies may still offer more affordable rates. 


Other insurance products and bundling options

GEICO and Allstate both have options for bundling multiple policy types. Bundling policies can lead to savings in many cases. See our table below for a side-by-side comparison.

GIECO VS. ALLSTATE: Other insurance products
Other products GEICO Allstate
Boat insurance
Condo insurance
Life insurance
Homeowners insurance
Travel trailer insurance
Renters insurance
RV insurance
Motorcycle insurance
Mobile home insurance
Umbrella
Offroad vehicles and ATVs

Find the best insurance policy for your needs.

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RECENT QUESTIONS

I need car insurance for a bad driving record in OR

There&#x27;s a couple of things going on here. First, it is going to be hard to find cheap car insurance if you have a lot of accidents on your record.
Aug 17, 2018 Portland, OR

Does State Farm match auto insurance quotes with other companies?

In truth, no. Car insurance companies determine their rates based on their previous years&#x27; filings (loss to revenue ratio) in addition to other factors.
May 7, 2019 Bentonville, AR

What should I do with my car insurance after I pay off my car loan?

This brings us to the last part of your question: how much coverage do you need? 3.
Jul 11, 2018 Slidell, LA

Will a hit and run impact my car insurance premium in CA?

Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
Sep 29, 2018 Perris, CA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.