Allstate vs. GEICO: Pros & Cons (2021)

If you're comparing Allstate vs. GEICO for auto insurance, then it's important to know that both use similar factors when determining rates, including your age and the state where you live. GEICO auto insurance rates are cheaper on average than Allstate, although both GEICO and Allstate discount lists are similar. The GEICO A.M. Best rating is an A++, slightly higher than Allstate's A+ rating.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Allstate and GEICO are both top auto insurance companies with plenty of locations across the United States.
  • In most cases, Allstate and GEICO offer similar car insurance rates.
  • Allstate and GEICO both received mixed to high ratings from customers.

Both Allstate and GEICO are top auto insurance companies that offer plenty of options. If you’ve found yourself comparing Allstate vs GEICO car insurance rates, then, before deciding on a company, it’s important to understand how rates are determined.

Both companies use many factors to determine your rates, including where you live, your age, and much more. In most situations, GEICO offers lower rates. However, both companies offer plenty of discounts. Understanding auto insurance will help you find the best rates for your needs.

When deciding whether to buy Allstate vs. GEICO auto insurance, be sure to compare quotes from other companies as well. Use our comparison tool to compare quotes from top companies.

Allstate vs. GEICO: Comparing Auto Insurance Rates

Allstate and GEICO both require several pieces of information about a driver before determining their rates. Below, you will find comparisons of both companies, which will help you determine between Allstate vs. GEICO auto insurance.

Which is cheapest by the state?

Depending on where you live, your rates can be much higher, or much lower than the national average. See where your state falls in the chart below.

Allstate vs. GEICO Average Annual Auto Insurance Rates by State
StateAllstate Average Annual RatesGEICO Average Annual Rates
District of Columbia$6,468.92$3,692.81
North Carolina$7,190.43$2,936.69
North Dakota$4,669.31$2,668.24
New Hampshire$2,725.01$1,615.02
New Jersey$5,713.58$2,754.94
New Mexico$4,200.65$4,458.30
New York$4,740.97$2,428.24
Rhode Island$4,959.45$5,602.63
South Carolina$3,903.43$3,178.01
South Dakota$4,723.72$2,940.29
West Virginia$3,820.68$2,120.80
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As you can see, GEICO offers lower rates in most states. For information on the insurance laws in your state and the coverage you need, be sure to check out the list of state insurance websites via the NAIC.

Which is cheapest by driving record?

Another common factor that auto insurance companies use to determine rates is your driving record.

Allstate vs. GEICO Average Annual Auto Insurance Rates by Driving Record
Driving RecordAllstate Average Annual RatesGEICO Average Annual Rates
Clean Record$3,819.90$2,145.96
With One Accident$4,987.68$3,192.77
With One DUI$6,260.73$4,875.87
With One Speeding Violation$4,483.51$2,645.43
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Keeping a clean driving record is a good way to prevent higher rates.

Which is cheapest by age and gender?

Auto insurance companies also consider your age when determining rates. See how Allstate vs. GEICO auto insurance quotes can differ based on age in the chart below.

Allstate vs. GEICO Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesGEICO Average Annual Rates
Married 35-year old female $3156.09 $2,302.89
Married 35-year old male $3123.01 $2,312.38
Married 60-year old female $2913.37 $2,247.06
Married 60-year old male $2990.64 $2,283.45
Single 17-year old female $9282.19 $5,653.55
Single 17-year old male $10642.53 $6,278.96
Single 25-year old female $3424.87 $2,378.89
Single 25-year old male $3570.93 $2,262.87
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Gender can no longer be used to determine auto insurance rates in the following states: Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina.

Which is cheapest by credit score?

Below, we’ve provided sample rates from Allstate and GEICO based on your credit score.

Allstate vs. GEICO Average Annual Auto Insurance Rates by Credit Score
Credit History SummaryAllstate Average Annual RatesGEICO Average Annual Rates
Good Credit (670-739)$3,859.66$2,434.82
Fair Credit Score (580-669)$4,581.16$2,986.79
Poor Credit Score (300-579)$6,490.65$4,259.50
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As you can see, those with better credit scores will usually pay less for auto insurance.

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Allstate vs. GEICO: Ratings and Customer Satisfaction

It is important to see how financial rating companies and customers rate each insurance company before making a decision. If you are looking for additional information about both companies and their customer reviews, be sure to check out our Allstate auto insurance review as well as our GEICO auto insurance review.

What are their financial ratings?

The chart below shows both Allstate and GEICO’s financial ratings from top financial rating companies, including AM Best.

Allstate vs. GEICO Financial Ratings
Ratings CompanyAllstate RatingsGEICO Ratings
AM BestA+ (Superior)A++
Better Business BureauA+A+
Consumer Reports88N/A
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While both companies received high ratings, GEICO received higher scores from most companies.

How do customers rate them?

Both Allstate and GEICO come highly rated by most customers with many praising their customer service and customization options.

Additionally, Allstate Insurance is more well-known for its in-person interactions as opposed to GEICO’s utilization of online platforms. If you are a person that prefers speaking face-to-face, then you may prefer Allstate.

That being said, creating an Allstate insurance login or GEICO login on either site is a great way to make Allstate claims, receive a GEICO quote, speak with GEICO customer service, and much more. Your Allstate Insurance and GEICO account also allow you to check your policy.

Allstate vs. GEICO: Auto Insurance Coverage and Options

What are their coverage options?

Both Allstate and GEICO offer a plethora of auto insurance coverage options, some of which are listed in the chart below.

Allstate vs. GEICO Types of Coverage
Types of CoverageAllstate CoveragesGEICO Coverages
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical paymentsxx
Roadside assistancexx
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The additional cost of some of these policies may differ based on where you live and other factors.

What discounts do they offer?

Discounts are a great way to save money on car insurance. See which discounts are offered by Allstate and GEICO in the chart below.

Allstate vs. GEICO Discounts
DiscountsAllstate Discounts OfferedGEICO Discounts Offered
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclexx
Vehicle Recoveryxx
VIN Etchingx
Newer Vehiclexx
Green Vehiclex
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Emergency Deploymentx
Family Legacyxx
Farm Vehiclex
Federal Employeex
Family Planx
Full Paymentxx
Further Educationx
Good Studentxx
Low Mileagexx
Multiple Policiesxx
Multiple Vehiclesx
On Time Paymentsx
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintxx
Safe Driverxx
Seat Belt Usex
Senior Driverx
Students & Alumnix
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Both companies offer plenty of discounts with GEICO offering just a few more.

Allstate vs. GEICO: Which Company Is the Best?

In our article, you’ve seen how Allstate and GEICO rates compare based on factors like your age, driving record, and more. Their rates are similar but can differ greatly in certain situations. It’s important to be aware of how much each of the factors above will affect your rates.

Both Allstate and GEICO have great customer service reviews and plenty of discounts. The answer to “which company is best” depends on your needs and wants.

Now that you’ve learned a little more about comparing affordable Allstate vs. GEICO auto insurance rates, you’ll probably want to compare rates from other top companies as well. Enter your ZIP code into our comparison tool today for free quotes.

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