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
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.
Allstate car insurance
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.
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.
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|
|Very Good (740-799)||$1,120||$1,820|
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|
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|
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.
|Financial strength (A.M. Best)||Superior||Excellent|
|JD Power (claims satisfaction)||Average||Average|
|JD Power (customer satisfaction)||Average||Average|
|The Zebra's editorial review score||5/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.4/5||4.5/5|
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 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 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 4,794 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 2023.
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.
|Anti-lock brake system||✓||✓|
|Student away at school||✓|
|Affinity membership alum||✓|
|Pay in full||✓|
|eSign or ePay|
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 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).
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.
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.
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's roadside assistance offers the following:
- 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 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).
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
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.
Allstate homeowners review
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.
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.
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.
|Recent home buyer||✓|
|Newer/more durable roof|
|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
|Paid in full||✓|
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.
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.
|Travel trailer insurance||✓||✓|
|Mobile home insurance||✓||✓|
|Offroad vehicles and ATVs||✓||✓|
Find the best insurance policy for your needs.
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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 editorial 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.