Allstate vs. GEICO Auto Insurance in 2021
Our Allstate vs. GEICO auto insurance guide will help you choose between two companies with a steady history of financial strength. We look at rates for both companies based on age, driving record, and credit score. GEICO's rates are cheaper than Allstate on all of our comparison points, but Allstate has great discounts to offset their higher rates.
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UPDATED: Feb 22, 2021
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- With exception of teen drivers, drivers with an accident or DUI on their record, and drivers with bad credit, expect to pay less than (on average) $250 per month with GEICO
- Allstate has an impressive number of discounts and substantial savings of up to 45 percent
- GEICO auto insurance for teen drivers is 40 percent cheaper than Allstate
- Allstate drivers that obtain traffic violations will have an increase in rates, but not as harshly as GEICO’S increases
- GEICO is a better choice than Allstate if you have bad credit
If you are ready to narrow down your two best contenders and choose the auto insurance company that will have your back when you need it, our guide will teach you about Allstate vs. GEICO auto insurance.
Allstate and GEICO are both on the big list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction and complaints, mobile apps, and financial strength?
GEICO’s auto insurance rates are cheaper than Allstate’s auto insurance rates through all of our comparison points.
Enter your ZIP code to start comparing multiple companies to find the best rates before you buy auto insurance.
Is Allstate auto insurance or GEICO auto insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced?
Auto insurance companies believe this, especially when it comes to determining your auto insurance rates. They believe the more years of experience driving we have, the more cautious and safe we are as drivers.
I think we can all agree on that.
However, I doubt we will all agree that it’s fair to base auto insurance rates on gender and marital status. Some states have outlawed this discriminatory practice — but not all.
|Age, Gender, and Marital Status||Allstate Average Monthly Car Insurance Rates||GEICO Average Monthly Car Insurance Rates|
|Single 17-year-old female||$774||$471|
|Single 17-year-old male||$887||$523|
|Single 25-year-old female||$285||$198|
|Single 25-year-old male||$298||$189|
|Married 35-year-old female||$263||$192|
|Married 35-year-old male||$260||$193|
|Married 60-year-old female||$243||$187|
|Married 60-year-old male||$249||$190|
GEICO’s auto insurance rates are 28 percent cheaper than Allstate’s auto insurance rates for drivers 25 and older.
Coming in at 40 percent cheaper than Allstate, GEICO is the better choice if you have a teen driver on your policy.
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Is Allstate auto insurance or GEICO auto insurance cheaper based on driving record?
No matter what auto insurance company you select, it’s a widely accepted fact that your auto insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUIs. The riskier a driver you are, the more a liability you are. Allstate and GEICO are no exception.
|Driving Record Summary||Allstate Average Monthly Car Insurance Rates||GEICO Average Monthly Car Insurance Rates|
|Clean Driving Record||$318||$179|
|With One Speeding Violation||$374||$220|
|With One Accident||$416||$266|
|With One DUI||$522||$406|
In general, GEICO has cheaper auto insurance rates than Allstate for drivers with any type of driving record.
However, GEICO is much more punitive with their customers if they get a speeding ticket, cause an accident, or get a DUI. If you cause an accident while with GEICO, expect your rates to increase by nearly 50 percent. If you get a DUI, your rates will more than double.
Allstate has higher rates for high-risk drivers initially; but, if you get a blemish on a clean driving record, Allstate will increase your rates at least 17 to 64 percent—not nearly as harshly as GEICO.
Is Allstate auto insurance or GEICO auto insurance cheaper based on credit score?
Your credit score reflects your prior ability to manage your finances and make good choices as well as pay your bills on time. Auto insurance companies assume that the more financially responsible you are, the safer driver you are.
We can all agree that a traumatic financial life event like a divorce or unexpected medical costs is likely to decrease your credit score.
Are those always personal choices? not exactly.
Just the same as gender and marital status, some states have banned auto insurance companies from basing rates on credit history. Let’s take a look at how Allstate and GEICO compare when it comes to rates based on credit score.
|Credit History Summary||Allstate Average Monthly Car Insurance Rates||GEICO 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|
Again, GEICO comes in cheaper than Allstate if you have bad credit.
If your credit score tanks while with either company, expect to pay more than twice as much as drivers with good credit.
When it’s time to renew your six-month policy, and you notice your rate has gone up, it could be because your credit score dropped. Use your Allstate login or GEICO login to make adjustments to your deductible and coverage levels, temporarily if needed, to reduce your rate for the next six months while you work to improve your credit score.
It’s good practice to check your credit report every six months anyway. Otherwise, it may be a good time to consider a different insurance provider.
State laws determine much of what obtaining auto insurance coverage costs, so where you live is a very influential factor in determining your auto insurance rates.
Be sure to check your state auto insurance guide before judging Allstate and GEICO auto insurance rates based on credit score alone.
Does Allstate or GEICO have better auto insurance discounts?
Every auto insurance company has its brand, and it tends to stem from its history. Similarly, the values and philosophies of an auto insurance company can influence what discounts an auto insurance company will offer.
This is why it pays to shop around. Let’s take a look at Allstate auto insurance discounts and GEICO auto insurance discounts.
|Daytime Running Lights||2||1|
|Electronic Stability Control||2||N/A|
|On Time Payments||5||N/A|
|Seat Belt Use||N/A||15|
When comparing all discounts that either company offers, Allstate has a total of 24 auto insurance discounts while GEICO has only 14 discounts.
Even though GEICO has cheaper rates, Allstate has some competitive discounts. With Allstate, you can save between 30 and 45 percent for being a safe driver, being claim-free, having a newer vehicle, having airbags, or being a distant student.
Teen drivers with Allstate can save up to 45 percent by participating in the program teenSMART.
GEICO’s largest discounts (all 25 percent) are for customers with an anti-theft system, vehicle recovery system, and multiple-vehicle policies. Additionally, any GEICO customer that is in the military and experiences emergency deployment will get a 25 percent discount on their auto insurance rates.
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What types of auto insurance coverages are offered by Allstate and GEICO?
Since both Allstate and GEICO are on the big contender list for market share, they both likely offer the standard six coverages that are listed below in addition to much more.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
However, be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does Allstate or GEICO have better auto insurance mobile apps?
Most of the top 10 auto insurance companies have mobile apps to make payments, adjust coverage levels, or show electronic verification of auto insurance coverage. However, most auto insurance companies have a separate app that is used for their usage-based auto insurance programs.
Usually, your Allstate insurance login or GEICO insurance login will work with both the general app and the driving app.
Read our Allstate’s MileWise review and compare it to GEICO’s DriveEasy to decide if you would like to participate in their usage-based auto insurance programs.
How do Allstate and GEICO auto insurance compare in financial strength and customer satisfaction?
If auto insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them. We list ratings for Allstate and GEICO from the top agencies that judge the credibility of all auto insurance companies.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and GEICO claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
|Agencies||Allstate Ratings||GEICO Ratings|
|AM Best||A+ (Excellent)||A++ (Superior)|
|NAIC Complaint Ratio||0.5||0.68|
|NAIC Total Complaints||163||333|
Allstate and GEICO are on top of things when it comes to external ratings by government, financial, and consumer agencies. You will have a good experience with Allstate and GEICO customer service, and expect financial sustainability with either company.
When you’re unsure which auto insurance company to choose, you can always use our free comparison tool to find affordable auto insurance quotes from companies in your area.