Allstate vs. Geico: Which is Better for Car Insurance?
Geico is better than Allstate for car insurance overall. Geico’s car insurance rates are cheaper than Allstate’s for most drivers. Geico also has more discounts. However, Allstate offers more coverage options.
Allstate vs. Geico: Pros and cons
| Company | Pros | Cons |
|---|---|---|
| Allstate | Cheapest rates with a DUI Most add-on coverage options Several discounts | Usually more expensive than Geico Customers not satisfied with claims process |
| Geico | Cheapest rates for most drivers Often cheaper than the national average Most discounts | Fewer optional coverages than Allstate Customer satisfaction could be better |
Is Allstate cheaper than Geico for car insurance?
No, Geico has cheaper car insurance than Allstate for most drivers.
The cheapest car insurance can vary from place to place, but in general, Geico’s average rate is cheaper for:
- Adults with clean driving records
- Drivers with a ticket or accident
- Drivers with bad credit credit
- Teen drivers
Allstate has the cheapest car insurance for drivers with a DUI.
Allstate or Geico: Which is cheapest for most drivers?
Geico is cheaper than Allstate for both liability and full-coverage car insurance.
At $1,937 a year, Geico’s average full-coverage car insurance rate is 26% cheaper than Allstate’s ($2,609 a year). It’s also cheaper than the U.S. average of $1,970 a year.
Liability car insurance from Geico costs about $727 a year. That’s 37% cheaper than Allstate’s average rate of $1,158 a year and 6% cheaper than the national average.
| Company | Liability annual rate | Full-coverage annual rate | LendingTree score |
|---|---|---|---|
| Geico | $727 | $1,937 |  |
| Allstate | $1,158 | $2,609 |  |
| U.S. average | $772 | $1,970 |
Geico or Allstate: Which is cheapest for drivers with a ticket or accident?
Drivers with a ticket or accident on their records often get cheaper car insurance from Geico than from Allstate.
Geico’s average car insurance rate for drivers with a speeding ticket is $2,493 a year. Allstate’s average rate for these drivers is $3,073 a year, or 23% more than Geico’s.
At $4,125 a year, Allstate’s average rate for drivers after an accident is 23% more than Geico’s rate of $3,341 a year.
| Company | Annual rate after ticket | Annual rate after accident |
|---|---|---|
| Geico | $2,493 | $3,341 |
| Allstate | $3,073 | $4,125 |
| U.S. average | $2,427 | $2,930 |
Allstate or Geico: Which is cheapest for drivers with a DUI?
Allstate is cheaper than Geico for car insurance with a DUI. These drivers pay about $3,875 a year for a full-coverage policy from Allstate, while they pay $4,584 a year with Geico. Geico’s rate is 18% higher in this case.
| Company | Annual rate after DUI |
|---|---|
| Allstate | $3,875 |
| Geico | $4,584 |
| U.S. average | $3,626 |
Geico or Allstate: Which is cheapest for drivers with bad credit?
Geico is cheaper than Allstate for car insurance with bad credit. Drivers with bad credit pay around $3,093 a year with Geico and $4,211 a year with Allstate. That makes Allstate’s average rate for drivers with bad credit 36% more than Geico’s.
Note that in California, Hawaii, Massachusetts and Michigan, your rate won’t change based on your credit.
| Company | Annual rate with bad credit |
|---|---|
| Geico | $3,093 |
| Allstate | $4,211 |
| U.S. average | $3,705 |
Allstate or Geico: Which is cheapest for teen drivers?
Teen drivers get cheaper car insurance from Geico than from Allstate, based on our data.
At $2,044 a year, Geico’s average rate for teen liability insurance is 40% less than Allstate’s average rate of $3,399 a year.
Teens pay $5,048 a year for full-coverage insurance policies from Geico, on average. They pay about $7,668 a year with Allstate, or 52% more.
| Company | Liability annual rate | Full-coverage annual rate |
|---|---|---|
| Geico | $2,044 | $5,048 |
| Allstate | $3,399 | $7,668 |
| U.S. average | $2,433 | $5,824 |
Allstate vs. Geico: Best car insurance coverages
If you want to personalize your car insurance policy with add-on coverages, Allstate may be a better company for you than Geico. Allstate offers twice as many add-ons as Geico.
- Roadside assistance
- Rental reimbursement coverage
- Rideshare insurance
- Classic car insurance
- Car insurance for travel to Mexico
- Personal umbrella coverage
- Roadside assistance
- Rental reimbursement coverage
- Mechanical breakdown insurance
Allstate vs. Geico: Best car insurance discounts
Although both companies offer many car insurance discounts, Geico offers several more than Allstate.
With Geico, you can get discounts for airbags, daytime running lights and insuring multiple vehicles. You can also get discounts for being in the military or federal government and not getting into an accident for at least five years. Allstate doesn’t offer any of these discounts.
Some of the discounts Allstate offers that Geico doesn’t are for going paperless, signing up for automatic payments, paying on time and paying for your policy in full.
| Discount | Allstate | Geico |
|---|---|---|
| Accident-free | ||
| Airbags | ||
| Anti-lock brakes | ||
| Anti-theft devices | ||
| Automatic payment | ||
| Daytime running lights | ||
| Defensive driving | ||
| Driver’s education | ||
| Early signing | ||
| Emergency deployment | ||
| Federal employee | ||
| Good student | ||
| Military | ||
| Multi-policy (bundling) | ||
| Multi-vehicle | ||
| New car | ||
| Other employee and membership | ||
| Paperless | ||
| Pay in full | ||
| Pay on time | ||
| Safe driving | ||
| Seat belt use |
Is Allstate better than Geico for customer satisfaction?
Customers seem happy enough about their experiences with Allstate and Geico, but they could be happier.
Both companies receive fewer complaints than expected for their size, based on their National Association of Insurance Commissioners complaint ratings.
Their J.D. Power customer and claims satisfaction ratings are less positive. Both Allstate and Geico score average at best in these areas.
| Rating | Allstate | Geico | Industry average |
|---|---|---|---|
| Customer satisfaction* | 635 (Average) | 637 (Average) | 644 |
| Claims satisfaction** | 691 (Average) | 692 (Average) | 697 |
| Complaints*** | 0.71 (Good) | 0.70 (Good) | 1.0 |
*J.D. Power 2024 U.S. Auto Insurance Study**J.D. Power 2024 U.S. Auto Claims Satisfaction Study***National Association of Insurance Commissioners Complaint Index