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.
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||GEICO avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$2,051||$3,117|
|Very Good (740-799)||$1,120||$1,820|
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.
|Citation||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|
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.
|Age||GEICO avg. annual premium||Allstate avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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.||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense 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.||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.|
|Additional Discounts||GEICO offers an additional discount for vehicles with daytime running lights. 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 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.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.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.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.See More Questions
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