Allstate vs. GEICO Auto Insurance (2021)

Choosing between Allstate vs. GEICO auto insurance is difficult, so start comparing car insurance rates by age, driving record, and credit score to find the cheapest policy for you. Overall, GEICO auto insurance offers the cheapest rates, but drivers with bad credit or bad driving records should ask about auto insurance discounts to lock in lower premiums.

Things to Remember

  • Good drivers can expect to pay less than $250 per month with GEICO
  • Allstate has an impressive number of discounts and substantial savings of up to 45%
  • GEICO auto insurance for teen drivers is 40% cheaper than Allstate
  • Allstate drivers that receive traffic violations will have an increase in rates, but GEICO’S increases are greater
  • GEICO is a better choice than Allstate if you have bad credit

You probably know the basics about auto insurance now that you’ve landed here ready to compare two great contenders, Allstate vs. GEICO.

Allstate and GEICO are both on the list of the best auto insurance companies in the market. In this guide, we’ll help you choose by comparing Allstate vs. GEICO quotes, rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength.

Keep reading to compare affordable GEICO vs. Allstate auto insurance quotes, or enter your ZIP code to start comparing multiple companies in your area.

Is Allstate auto insurance or GEICO auto insurance cheaper based on age?

Wouldn’t you agree that as we age, we become more experienced?

Car insurance companies believe this, especially when it comes to determining your auto insurance rates. They believe the more years of driving experience we have, the more cautious and safe we are behind the wheel.

Allstate vs. GEICO Average Monthly Auto Insurance Rates by Age
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesGEICO 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% cheaper than Allstate’s auto insurance rates for drivers 25 and older.

Coming in at 40% cheaper than Allstate, GEICO is definitely the better choice if you have a teen driver on your policy.

Is Allstate auto insurance or GEICO auto insurance cheaper based on driving record?

When comparing Allstate vs. GEICO auto insurance, it’s important to note that rates will increase if you get a speeding ticket, cause an accident, or get a DUI.

Allstate vs. GEICO Average Monthly Auto Insurance Rates by Driving Record
Driving Record SummaryAllstate Average Monthly Car Insurance RatesGEICO 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 its 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%. If you get a DUI, your rates will more than double.

Allstate has higher rates initially, but if you get a blemish on a clean driving record, Allstate’s rate increases will be smaller than GEICO’s at 17% to 64%.

Is Allstate auto insurance or GEICO auto insurance cheaper based on credit score?

Your credit score reflects your ability to manage your finances and make good choices, as well as pay your bills on time. Car insurance companies assume that someone who is financially responsible is also responsible behind the wheel.

A traumatic financial event like a divorce or incurring unexpected medical costs is likely to decrease your credit score.

As with gender and marital status, some states have banned auto insurance companies from basing rates on credit history, so make sure to check your local auto insurance laws.

Let’s take a look at how Allstate and GEICO compare when it comes to rates based on credit score.

Allstate vs. GEICO Average Monthly Auto 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

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.

If you notice your rates have gone up when it’s time to renew your six-month policy, 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. This will reduce your rates 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. If you don’t want to adjust your policy, it may be time to switch insurance companies.

State laws determine much of what auto insurance coverage costs. Be sure to check your state’s auto insurance laws before judging your Allstate vs. GEICO insurance quotes based on credit score alone.

Does Allstate or GEICO have better auto insurance discounts?

Most auto insurance companies offer discounts, but the types offered and the amount of the discounts will vary. This is why it pays to shop around before you buy auto insurance coverage.

Let’s compare Allstate vs. GEICO auto insurance discounts.

Allstate vs. GEICO Auto Insurance Discounts
Anti-lock Brakes105
Claim Free3526
Daytime Running Lights21
Defensive Driver10N/A
Distant Student35N/A
Driver's Ed10N/A
Driving Device/App20N/A
Early Signing10N/A
Electronic Stability Control2N/A
Emergency DeploymentN/A25
Farm Vehicle10N/A
Federal EmployeeN/A8
Full Payment10N/A
Good Student2015
Green Vehicle10N/A
Multiple Policies1010
Multiple VehiclesN/A25
Newer Vehicle30N/A
On Time Payments5N/A
Paperless Documents10N/A
Paperless/Auto Billing5N/A
Passive Restraint3040
Safe Driver4515
Seat Belt UseN/A15
Senior Driver10N/A
Utility Vehicle15N/A
Vehicle Recovery1025

When comparing all discounts offered, Allstate has a total of 24 while GEICO has only 14.

Even though GEICO has cheaper rates, Allstate has some competitive discounts, so affordable Allstate vs. GEICO auto insurance rates are available. With Allstate, you can save between 30% and 45% 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% by participating in the program teenSMART.

GEICO’s largest discounts (all 25%) are for customers with an anti-theft system, vehicle recovery system, or multiple vehicles. Additionally, any GEICO customer that is in the military and has an emergency deployment will get a 25% discount on their auto insurance rates.

Be sure to contact each company and ask about all of the auto insurance discounts you could be eligible for.

What types of auto insurance coverages are offered by Allstate and GEICO?

Since Allstate and GEICO are two of the biggest auto insurance companies in terms of 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

Be sure to take a close look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for 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, many auto insurance companies have a separate app 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 usage-based driving app.

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 too. Below, we list ratings for Allstate and GEICO from the top agencies that evaluate the reliability and financial standing 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 from A.M. Best 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 its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.

The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.

Allstate vs. GEICO Company Ratings
AgenciesAllstate RatingsGEICO Ratings
AM BestA+ (Excellent)A++ (Superior)
Consumer Reports8889
NAIC Complaint Ratio0.50.68
NAIC Total Complaints163333

Allstate and GEICO are on top of things when it comes to external ratings by government, financial, and consumer agencies. You should have a good experience with Allstate and GEICO customer service, and you can expect financial sustainability with either company.

Before you choose between Allstate vs. GEICO auto insurance, use our free comparison tool to see rates from multiple auto insurance companies in your area.