Allstate vs. Geico Auto Insurance (2024)

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.

You can also visit our Allstate auto insurance review and our Geico auto insurance review to learn more about each company.

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, that is why auto insurance for teens is the most expensive.

Allstate vs. GEICO Average Monthly Auto Insurance Rates by Age

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.

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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

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 need auto insurance after an accident while with Geico, expect your rates to increase by nearly 50%. Auto insurance for drivers with a DUI will be nearly double the cost.

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, so auto insurance for bad credit is often higher.

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

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 auto insurance policy, it could be because your credit score dropped. Use your Allstate login or Geico login to make adjustments to your auto insurance 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 auto 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 insurance companies offer auto insurance 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

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 air bags, 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.

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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 motorist coverage
• Medical payments (MedPay) auto insurance coverage (particularly important in states that require no-fault auto insurance)
• Personal injury protection (PIP) coverage

Be sure to take a close look at any specialty coverages you might need, such as rental car reimbursement, roadside assistance, gap insurance, mechanical breakdown insurance, 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

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.