GEICO vs Allstate

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GEICO or Allstate:
Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: rates vary based on your driving history, age, and location, and companies offer an array of perks. GEICO and Allstate are among the US' most popular insurance companies, providing high-quality insurance policies in most US states.

To make shopping for car insurance easier, we have gathered average policy prices from Allstate and GEICO. These rates cover myriad rating factors, including credit rating, driving history, and age. Examine these rates and find your next car insurance policy today.

Take a deep dive: Read our comprehensive reviews of GEICO and Allstate.

 

Comparing car insurance rates: GEICO vs. Allstate

 

GEICO vs. Allstate: pricing by credit score

If you have very bad credit, GEICO could be a better option for you. On average, GEICO offers better prices than Allstate for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should lean toward GEICO, which typically beats Allstate by $679 per year. View average insurance rates by credit score for Allstate and GEICO below.

 
CREDIT SCORE INSURANCE RATE COMPARISON: ALLSTATE VS. GEICO
Credit scoreGEICO avg. annual premiumAllstate 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
 

GEICO vs. Allstate: rates for bad drivers

If you're carrying an at-fault accident, ticket, reckless driving violation, or DUI on your driving résumé, GEICO could be a better choice than Allstate. Every car insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer suits you.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: ALLSTATE VS. GEICO
CitationGEICO avg. annual premiumAllstate 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

Auto insurance companies rely on a driver's age as an estimator of risk, pricing premiums accordingly. Auto insurance is commonly expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Since each insurance company prices age tiers uniquely, it's worth comparing rates and shopping around.

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

 
RATES BY AGE: ALLSTATE VS. GEICO
AgeGEICO avg. annual premiumAllstate 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
 

Finances aside, GEICO and Allstate each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonGEICOAllstate
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 ComparisonGEICOAllstate
Financial Strength SuperiorExcellent
JD Power Rankings Above averageAverage
User Satisfaction 4.4/54.4/5
Other ProductsGEICOAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOAllstate
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.Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.
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.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).
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.Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
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
Can you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies.
See More Questions
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