Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jan 22, 2021

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Key Takeaways

  • Allstate has more discounts than GEICO.
  • GEICO car insurance rates are more affordable than Allstate’s car insurance rates.
  • Despite GEICO’s lower price, it has fewer coverage options than Allstate.

If you’ve been comparing Allstate insurance and GEICO insurance, you’ve probably come across several Allstate vs. GEICO car insurance reviews.

Allstate and GEICO are two popular and well-rated car insurance companies in the United States.

In our Allstate vs. GEICO car insurance guide, we’ll compare Allstate vs. GEICO auto insurance quotes, ratings, coverage options, discounts, and more.

Read on to get an extensive look at Allstate vs. GEICO car insurance, or enter your ZIP code to start comparing multiple companies in your local area.

Allstate vs. GEICO Car Insurance: Cheapest Company

Both of these major insurers have been around a while and have a strong presence in the market, as you can see in the table below.

Allstate vs. GEICO Car Insurance Overview
SummaryAllstate Car Insurance StatsGEICO Car Insurance Stats
Year Founded19311936
Headquarters3075 Sanders Road Northbrook, IL 60062-71275260 Western Avenue Chevy Chase, MD 20815
Company Phone Number1-877-366-16071-800-207-7847
Available in how many states?All StatesAll States
Direct Premiums$291.5 Million$2.2 Billion
Market Share9%14%
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The most common thing people search for under Allstate vs. GEICO auto insurance is cost.

If you’ve seen our Allstate car insurance review and GEICO car insurance review, you’ve noticed how expensive car insurance can be per year.

However, your Allstate and GEICO auto insurance quotes will vary based on these factors:

  • Driving Record
  • Credit Score
  • Age
  • Gender
  • Marital Status
  • Coverage Level
  • Commute Mileage

Continue reading the subsections below to see how these factors impact monthly car insurance rates from each company.

Which is cheapest by driving record?

The most significant factor in determining your auto insurance rates is your driving record. A good driving record can save you 27 percent on car insurance rates per year.

What if you have a ticket or an accident on your record? Let’s compare Allstate and GEICO monthly auto insurance rates based on driving records with violations, accidents, and DUIs.

Average Monthly Allstate vs. GEICO Car Insurance Rates by Driving Record
Driving Record SummaryAllstate Average Monthly Car Insurance RatesGEICO Average Monthly Car 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 car insurance cost is much cheaper than Allstate’s. Allstate customers pay around $140 more than GEICO customers.

Accidents and DUIs produce the highest increase in car insurance quotes, and they can remain on your record for three to 10 years.

Which is cheapest by credit score?

According to Experian, consumers with a good credit score correlate to low risk in the auto insurance industry. But why?

Car insurance companies say individuals with good credit have a lower chance of filing a claim, but individuals with fair and poor credit have a higher chance of filing a claim.

So how does that affect car insurance rates per month? Let’s examine Allstate and GEICO’s auto insurance cost per month based on credit scores.

Average Monthly Allstate vs. GEICO Car Insurance Rates by Credit Score
Credit History SummaryAllstate Average Monthly Car Insurance RatesGEICO Average Monthly Car 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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The trend continues with GEICO as the cheaper company. Allstate customers are likely to pay more despite their credit score.

However, a higher credit score could mean significant savings for either company. Although your savings are about 5.4 percent on average, any discount is worth it.

Which is cheapest by age and gender?

New adult drivers and teen drivers will likely have a higher car insurance rate because they’re less experienced behind the wheel and take more risks.

Statistics show new and teen drivers can cause major bodily injury and property damage, so auto insurance companies issue higher rates to offset the risk.

To further break down the risks, some states base car insurance on gender. Some states have outlawed companies from using gender-based car insurance rates.

Here’s a list of states that ban gender-based auto insurance:

  • California
  • Hawaii
  • Massachusetts
  • Michigan
  • Montana
  • North Carolina
  • Pennsylvania

As drivers get older, car insurance cost decreases. Let’s look at how age, gender, and marital status affect auto insurance rates per month.

Average Monthly Allstate vs. GEICO Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
Married 60-year-old female$243$187
Married 60-year-old male$249$190
Married 35-year-old male$260$193
Married 35-year-old female$263$192
Single 25-year-old female$285$198
Single 25-year-old male$298$189
Single 17-year-old female$774$471
Single 17-year-old male$887$523
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Seventeen-year-old drivers have the most expensive car insurance rates, but senior drivers over 59 have the cheapest rates among Allstate and GEICO. GEICO still holds the more affordable rates, while Allstate is more costly per month.

Which is cheapest by coverage level?

When you get your auto insurance quote, you’ll see a selection called coverage level. That selection is an option to raise your minimum requirements to higher coverage limits.

Coverage limits are the maximum amount of dollars your car insurance company will pay out if you get into an accident where you’re at fault.

If you think you’ll need more on your coverage limits, you should pick a higher coverage level.

Medium coverage levels are $50,000 for bodily injury of one person per accident, $100,000 for bodily injury of multiple people per accident, and $50,000 for property damage per accident (abbreviated to 50/100/50).

The highest coverage level is usually 100/300/100 or 300/500/300. The higher the coverage level, the more you’ll pay for car insurance.

Now, let’s compare the coverage level rates from Allstate and GEICO insurance.

Average Monthly Allstate vs. GEICO Car Insurance Rates by Coverage Level
Coverage Level SummaryAllstate Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
Low Coverage Level (Depends on State)$386$250
Medium Coverage Level (50/100/50)$408$268
High Coverage Level (100/300/100)$428$286
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GEICO’s increase from one level to the next isn’t as expensive as it is at Allstate. If you want to save money with Allstate, try the low coverage level.

Which is cheapest by annual mileage?

As you go through the quote process, you’ll see something that asks about the purpose of your vehicle. One selection may say “work commute,” and another may mention “pleasure commutes.”

Work commute is general driving, such as driving to work, school, etc. Pleasure commutes are the miles you have on the weekend.

Since you drive more during the week, car insurance companies will estimate the number of miles you drive based on the miles driven to work every day.

Let’s see how much Allstate and GEICO charge based on commute mileage limits.

Average Monthly Allstate vs. GEICO Car Insurance Rates by Commute Mileage
Estimated Commute MileageAllstate Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
10 Miles Commute (6,000 miles/yr)$403$264
25 Miles Commute (12,000 miles/yr)$411$272
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Commute mileage is roughly the same as the other averages we’ve seen in previous sections. GEICO is still the cheapest company here.

Also, commute mileage caps at about 12,000 miles, meaning car insurance companies may not charge you more for going over 12,000.

Each company is different, so be sure to ask how your provider’s commute mileage policy works.

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Allstate vs. GEICO Car Insurance Coverages

We’ve established that GEICO is more cost-efficient than Allstate, but does the company have more options? We’ve done some research and found the number of coverages from Allstate and GEICO.

Here’s what we found.

Comparing Allstate vs. GEICO Car Insurance Coverages
Allstate Car Insurance CoveragesGEICO Car 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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Although Allstate car insurance quotes are more expensive, they have more coverage options than GEICO. Both companies carry a unique auto insurance coverage, setting them apart from one another — not just in cost.

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

What about discounts? If you’re leaning toward Allstate despite GEICO’s cheap car insurance rates, this section may be what you’re looking for. Let’s review the available discounts from Allstate and GEICO.

Allstate vs. GEICO Car Insurance Discounts
Car Insurance DiscountsAllstate Car Insurance SavingsGEICO Car Insurance Savings
Accident Forgiveness30%N/A
Accident FreeN/ADepends on Your State
Anti-lock Brake10%5%
Anti-Theft Device10%25%
Daytime Running LightsN/A3%
DeductibleDepends on Your StateN/A
Defensive Driver20%Depends on Your State
Driving trainingDepends on Your StateDepends on Your State
E-billing10%N/A
Early Quote10%N/A
Emergency DeploymentN/A25%
EV/Hybrid10%N/A
FamilyDepends on Your StateN/A
Farm Vehicle10%N/A
Federal EmployeeN/A25%
Good Driver10%26%
Good Payer5%N/A
Good Student10%15%
Low Mileage10%N/A
MilitaryN/A15%
Multiple Policy10%Depends on Your State
Multiple Vehicle10%Depends on Your State
New Car15%N/A
OrganizationN/ADepends on Your State
Paid in full10%N/A
Paperless documentsDepends on Your StateN/A
Passive Restraint10%25%
Preferred payment5%N/A
Prepay10%N/A
Seat Belt UseN/A15%
Senior Adult5%Depends on Your State
Student Away at School5%N/A
teenSMART35%Depends on Your State
Utility VehicleDepends on Your StateN/A
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Allstate has GEICO beat in auto insurance discounts. GEICO only has 17 available discounts, while Allstate has 27. You may not be able to get all 27 discounts, but you may still be able to cut Allstate car insurance rates by hundreds of dollars.

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Allstate vs. GEICO Car Insurance: Financial Strength and Credit Ratings

If you’re into financial strength and credit ratings, you may be surprised where Allstate and GEICO stand. We found ratings of Allstate and GEICO and compared them for you in the data below. Check it out.

Comparing Allstate vs. GEICO Financial Strength and Credit Ratings
AgenciesAllstate RatingsGEICO Ratings
AM BestA+ (Excellent)A++ (Superior)
Better Business Bureau (Chicago, IL)A+B+
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
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Overall, both companies have good ratings, but Allstate has slightly better customer ratings. GEICO has better financial ratings; however, it struggled with customer ratings — as seen in the NAIC Complaint Index.

Allstate vs. GEICO Car Insurance: Mobile App Ratings

Customer experience on a smart device has become essential in recent years. Allstate and GEICO have mobile apps to connect to customers to increase availability and services around the clock.

The mobile apps’ reliability is judged through customer reviews on iOS and Android. Here are the mobile app ratings for Allstate and GEICO.

Allstate vs. GEICO Mobile App Reviews
Smart Device Stores/SystemsAllstate Mobile App Star RatingsGEICO Mobile App Star Ratings
Apple App Store (iOS)5 stars5 stars
Google Play Store (Android)4 stars5 stars
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Both companies have perfect ratings on iOS, but Allstate has a four-star rating on Google Play Store.

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Allstate vs. GEICO Car Insurance: Pros and Cons

Despite Allstate and GEICO’s place in the top 10 market share, they have advantages and disadvantages you should be aware of.

Here are some pros and cons of Allstate and GEICO.

Comparing Pros and Cons of Allstate vs. GEICO Car Insurance
Allstate ProsAllstate ConsGEICO ProsGEICO Cons
Lots of discounts that are easy to qualify forAbove average pricing in most statesLow rates in most statesAverage/mediocre customer service rankings
Cutting edge programs like pay-per-mile and rideshare coverageNot all programs are offered in all statesConvenient mobile and online servicesBundling is often with third-party companies
Local agent service plus easy web and mobile accessOnline quoting will lead to agent solicitation by phoneGood list of discountsNew usage-based app that will take some time to debug
Solid financial ratingsConsumer satisfaction ratings are below average
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Did we miss anything? You may experience some conditions that affect you specifically, so you could find some advantages and disadvantages based on your car insurance situation.

Allstate vs. GEICO Car Insurance: The Bottom Line

For more coverage options and discounts, Allstate is the company for you. In a battle of affordable car insurance quotes, GEICO wins.

It’s challenging to decide which company is best for you. But why stop at this Allstate vs. GEICO car insurance review when you can compare multiple companies using our FREE comparison tool below?