Allstate vs. GEICO: Best Auto Insurance for 2021

Allstate and GEICO are two of the biggest auto insurance companies in the U.S., making Allstate vs. GEICO a common comparison. On average, GEICO auto insurance is $139 cheaper than Allstate. Although Allstate has more coverage options, GEICO has a better A.M. Best rating. Allstate vs. GEICO auto insurance will differ based on credit score and other individual factors.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • GEICO is ranked number two in the top ten auto insurance company list and Allstate is at number four
  • Several factors will determine the amount of an Allstate or GEICO quote
  • On average, GEICO Insurance is cheaper than Allstate Insurance
  • Allstate provides more coverage options than GEICO

Are you trying to decide if Allstate or GEICO is better for auto insurance? Don’t worry – we’re here to help.

Our Allstate vs. GEICO auto insurance guide explains which company is cheaper, which has more auto insurance coverage options, discounts, and the company with the best third-party ratings.

Before seeing how Allstate vs. GEICO stack up, see how much you could be saving right now. Enter your ZIP code in the free comparison tool above to find quotes from multiple companies in your area.

Allstate vs. GEICO Auto Insurance: Which company is the cheapest?

The average auto insurance rate for GEICO is $268 per month. Allstate’s average is $139 more than GEICO. That means that when comparing Allstate vs. GEICO auto insurance quotes head to head, the more affordable car insurance company is GEICO.

However, certain situations will raise or lower your monthly rate. This guide takes you through each of the most impactful factors. But first, let’s see how Allstate and GEICO match up in terms of cost.

Allstate vs. GEICO Summary
SummaryAllstate Auto Insurance StatsGEICO Auto Insurance Stats
Year Founded19311936
Headquarters3075 Sanders Road Northbrook, IL 60062-71275260 Western Avenue Chevy Chase, MD 20815
Phone Number1-877-366-16071-800-207-7847
Websitehttps://www.allstate.com/https://www.geico.com/
Direct Premiums$23.8 Billion$35.2 Billion
Market Share9%14%
National Average Auto Insurance$407/month$268/month
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You can find policy information from Allstate and GEICO customer service 24/7, either by phone or online. When it comes to which company earns the most, GEICO makes $11.4 billion more than Allstate.

Allstate holds a smaller market share and more expensive rates on average. This summary is just a portion of the information about both companies. Check out our Allstate Review and GEICO Review for more details.

Which is cheapest by driving record?

One of the most important factors in determining auto insurance rates is your driving record. Let’s see how Allstate vs. GEICO  auto insurance rates compare based on different driving records.

Allstate vs. GEICO Auto Insurance Rates by Driving Records
Driving Record SummaryAllstate Monthly Auto Insurance RatesGEICO Monthly Auto Insurance Rates
Clean Driving Record$318$179
With 1 Speeding Violation$374$220
With 1 Accident$416$266
With 1 DUI$522$406
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GEICO is massively cheaper for drivers with a clean driving record. Even with a speeding ticket or an accident on your record, GEICO is still less expensive than Allstate.

Which is cheapest by credit score?

If you have a good credit score, you’re likely to see cheaper car insurance rates. Why? Auto insurance companies correlate good credit to lower chances of filing a claim.

Meanwhile, customers with poor credit are issued more expensive rates because car insurance providers associate poor credit with higher chances of filing a claim.

Do Allstate and GEICO follow this method? Let’s see.

Allstate vs. GEICO Auto Insurance Rates by Credit Scores
Credit History SummaryAllstate Monthly Auto Insurance RatesGEICO Monthly Auto Insurance Rates
Good Credit (670-739)$322$203
Fair Credit Score (580-669)$382$249
Poor Credit Score (300-579)$541$355
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Yes, they do. However, GEICO is still much cheaper than Allstate. If you hope to save any money on auto insurance, GEICO may be the better option than Allstate.

Which is cheapest by age?

In the auto insurance industry, age reflects the driving experience of the driver. Younger drivers tend to produce higher than average rates because they’re less experienced than older drivers and take more risks.

So how much more do younger drivers pay for car insurance? Let’s examine how Allstate and GEICO base their rates depending on age.

Allstate vs. GEICO Auto Insurance Rates by Age
Age of DriversAllstate Monthly Auto Insurance RatesGEICO Monthly Auto Insurance Rates
60-Year-Old Driver$246$189
35-Year-Old Driver$262$192
25-Year-Old Driver$291$193
17-Year-Old Driver$830$497
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Allstate’s car insurance rates are about $40 to $100 more for drivers 25 years old. Teen and young adult drivers will encounter auto insurance rates that are more than double the average monthly rate. However, discounts can take care of those non-standard auto insurance rates.

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Allstate vs. GEICO Auto Insurance: Which company has more coverage options?

Now that you know how much you can spend on Allstate and GEICO car insurance, let’s compare coverage options at both companies.

You may encounter a circumstance where you need more than just liability coverage. Check out the coverage options and see which company has more options.

Comparing Allstate vs. GEICO Auto Insurance Coverage Options
Allstate Auto Insurance CoveragesGEICO Auto Insurance Coverages
Collision coverageBodily Injury Liability
Comprehensive coverageProperty Damage Liability
Bodily Injury LiabilityMedical Payments coverage
Property Damage LiabilityUninsured & Underinsured Motorist coverage
Uninsured & Underinsured Motorist CoverageCollision
Rental Reimbursement CoverageComprehensive
Personal Umbrella PolicyEmergency Roadside Assistance
Personal Injury ProtectionMechanical Breakdown Insurance
Sound System InsuranceRental Car Reimbursement
Roadside Assistance
Classic Car Insurance
Travel Car Insurance to Mexico
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After losing the cost battle, Allstate makes a comeback by offering more coverage options. GEICO has a small advantage with its mechanical breakdown insurance, though.

Allstate vs. GEICO Auto Insurance: Who has more discounts?

Why are car insurance discounts so significant? The more deals a company has, the more opportunities you’ll have to save money. You may not qualify for every discount, but more bargains could increase your chances of saving money.

Let’s compare Allstate and GEICO’s discounts below.

Allstate vs. GEICO Auto Insurance Discounts
Auto Insurance DiscountsAllstate AvailabilityGEICO Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Daytime Running Lights
Electronic Stability Control
Utility Vehicle
Vehicle Recovery
VIN Etching
Lane Departure Warning
Newer Vehicle
Green Vehicle
Forward Collision Warning
Claim Free
Continuous Coverage
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Homeowner
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On-Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Volunteer
Young Driver
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GEICO has a few more discounts than Allstate. However, you can still save money when you qualify for Allstate discounts.

Which company has the better financial strength and customer satisfaction ratings?

Before you make your final decision, it’s smart to check out the financial strength and credit ratings of a company.

What are financial strength and credit ratings? These are ratings that summarize an insurance company’s financial performance and investment risk level. In other words, it’s a review of a company’s ability to manage money.

AM Best, Moody’s, and S&P are the most reliable agencies that review companies each year. We’ve managed to compile each agency’s recent score in the research below. Let’s see how Allstate and GEICO performed.

Allstate vs. GEICO Financial Strength and Credit Ratings
AgenciesAllstate RatingsGEICO Ratings
AM BestA+ (Excellent)A++ (Superior)
Moody'sA3 (Good)Aa3 (Excellent)
S&PAA- (Very Good)AA+ (Very Good)
NAIC Complaint Index0.411.14
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8889
Apple App Store (iOS)5 stars5 stars
Google Play Store (Android)4 stars5 stars
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Overall, GEICO’s financial strength and credit ratings are better than Allstate’s. But what about the other ratings?

The NAIC Complaint Index, J.D. Power, and Consumer Reports scores show customer satisfaction performance. Allstate has lower than average complaints, which is a much better score than GEICO.

In the J.D. Power study, Allstate and GEICO have the same score. GEICO comes back with another victory with a slightly stronger lead under Consumer Reports.

Allstate vs. GEICO Mobile App Ratings

Allstate and GEICO have the same mobile app ratings at the Apple App Store, which is five stars. However, GEICO has one more star than Allstate on the Google Play Store.

If you want to access insurance apps after you’ve downloaded them to your smartphone, create an Allstate or GEICO login online or on your phone.

Once you make a GEICO or Allstate Insurance account, you should be able to use your login and password on the phone, tablet, or desktop computer to access your information and make changes to your policy. GEICO as well as Allstate claims can be filed using the app.

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Allstate vs. GEICO Auto Insurance: The Bottom Line

Without question, GEICO is the better auto insurance company when all the details stack up against Allstate. Does that make Allstate a bad company? Of course not.

Auto insurance quotes stack up differently when you use your personal information. Circumstances vary, so you should try getting a car insurance quote on your own to see if you can get affordable car insurance.

While you’re considering what you have read about Allstate and GEICO auto insurance, see how much less you could be paying for your coverage. Compare multiple companies by entering your ZIP code area today.

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