GEICO vs. Allstate: What's the difference?
The Zebra's choice: GEICO
GEICO scored higher ratings on multiple factors and offers lower rates on average.
GEICO:
- Cost: $79/month for full coverage
- Customer service: 4
- Claims handling: 2
- Digital experience: 4.8
- Trust: 4.5
- Overall rating: 3.8
GEICO comes out on top when it comes to cheaper rates, customer service, digital experience and trust scores
Allstate:
- Cost: $124/month for full coverage
- Customer service: 2.9
- Claims handling: 2
- Digital experience: 4
- Trust: 1.8
- Overall rating: 2.9
In all aspects, Allstate scored lower and is more expensive.
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 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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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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.
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.Â
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.Â
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.Â
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)
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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).
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.
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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.Â
- 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 ratedÂ
- Customer satisfaction (J.D. Power) – Not ratedÂ
- Financial strength (AM Best) – Superior: GEICO received an 'A' rating from AM Best, underlining its solid financial standing.Â
- 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.Â
- 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.
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.
Based on the data we have available, Allstate has the cheaper home insurance rates at around $118 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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.Â
| 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.Â
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.
| 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 | ✓ | ✓ |
Frequently asked questions: GEICO vs Allstate
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.