Allstate vs. GEICO Car Insurance (2021)
When comparing Allstate vs. GEICO, you will likely find that GEICO offers lower rates. Both Allstate and GEICO base their rates on similar factors, including where you live, your age, your driving record, and more. Allstate and GEICO both offer plenty of discounts as well as 24/7 customer service options.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Feb 6, 2021
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- GEICO offers lower rates than Allstate in most cases.
- Both companies offer 24/7 customer service.
- GEICO received higher financial ratings than Allstate.
Since both companies are well-known and reputable, you may be having trouble choosing between Allstate vs. GEICO. GEICO is known for offering lower rates; however, Allstate has some of the best-reviewed customer services. Both companies even appear in our article about the best insurance companies. Our guide below offers information on both companies, including how they determine their rates.
When trying to choose between Allstate vs. GEICO, it is important to be well-informed about both companies. Affordable Allstate vs. GEICO car insurance is easier to find when you are informed. Read our guide and compare rates from top companies by using our comparison tool.
Table of Contents
Allstate vs. GEICO: Comparing Car Insurance Rates
While GEICO and Allstate may offer different rates, both companies have similar considerations when it comes to determining said rates. Your age, credit score, and driving record may all be used to determine auto insurance rates.
Which is cheapest by state?
Below is a chart featuring all 50 states and the average rates offered by both Allstate and GEICO.
| State | Allstate Average Annual Rates | Geico Average Annual Rates |
|---|---|---|
| Alaska | $3,145.31 | $2,879.96 |
| Alabama | $3,311.52 | $2,866.60 |
| Arkansas | $5,150.03 | $3,484.63 |
| Arizona | $4,904.10 | $2,264.71 |
| California | $4,532.96 | $2,885.65 |
| Colorado | $5,537.17 | $3,091.69 |
| Connecticut | $5,831.60 | $3,073.66 |
| District of Columbia | $6,468.92 | $3,692.81 |
| Delaware | $6,316.06 | $3,727.29 |
| Florida | $7,440.46 | $3,783.63 |
| Georgia | $4,210.70 | $2,977.20 |
| Hawaii | $2,173.49 | $3,358.86 |
| Iowa | $2,965.86 | $2,296.16 |
| Idaho | $4,088.76 | $2,770.68 |
| Illinois | $5,204.41 | $2,779.16 |
| Indiana | $3,978.81 | $2,261.07 |
| Kansas | $4,010.23 | $3,220.65 |
| Kentucky | $7,143.92 | $4,633.59 |
| Louisiana | $5,998.79 | $6,154.60 |
| Maine | $3,675.59 | $2,823.05 |
| Maryland | $5,233.17 | $3,832.63 |
| Massachusetts | $2,708.53 | $1,510.17 |
| Michigan | $22,902.59 | $6,430.11 |
| Minnesota | $4,532.01 | $3,498.54 |
| Missouri | $4,096.15 | $2,885.33 |
| Mississippi | $4,942.11 | $4,087.21 |
| Montana | $4,672.10 | $3,602.35 |
| North Carolina | $7,190.43 | $2,936.69 |
| North Dakota | $4,669.31 | $2,668.24 |
| Nebraska | $3,198.83 | $3,837.49 |
| New Hampshire | $2,725.01 | $1,615.02 |
| New Jersey | $5,713.58 | $2,754.94 |
| New Mexico | $4,200.65 | $4,458.30 |
| Nevada | $5,371.62 | $3,662.09 |
| New York | $4,740.97 | $2,428.24 |
| Ohio | $3,197.22 | $1,867.19 |
| Oklahoma | $3,718.62 | $3,437.34 |
| Oregon | $4,765.95 | $3,220.12 |
| Pennsylvania | $3,984.12 | $2,605.22 |
| Rhode Island | $4,959.45 | $5,602.63 |
| South Carolina | $3,903.43 | $3,178.01 |
| South Dakota | $4,723.72 | $2,940.29 |
| Tennessee | $4,828.85 | $3,283.42 |
| Texas | $5,485.44 | $3,263.28 |
| Utah | $3,566.42 | $2,965.57 |
| Virginia | $3,386.80 | $2,061.53 |
| Vermont | $3,190.38 | $2,195.71 |
| Washington | $3,540.52 | $2,568.65 |
| West Virginia | $3,820.68 | $2,120.80 |
| Wisconsin | $4,854.41 | $3,926.20 |
| Wyoming | $4,373.93 | $3,496.56 |
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As you can see, Allstate vs. GEICO car insurance rates are similar in most states with several exceptions. For both companies, Michigan has the highest rates.
Which is cheapest by driving record?
Those with a clean driving record will likely end up paying less for their auto insurance as is shown in the chart below.
| Driving Record | Allstate Average Annual Rates | Geico Average Annual Rates |
|---|---|---|
| Clean Record | $3,819.90 | $2,145.96 |
| With One Accident | $4,987.68 | $3,192.77 |
| With One DUI | $6,260.73 | $4,875.87 |
| With One Speeding Violation | $4,483.51 | $2,645.43 |
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Both Allstate insurance and GEICO auto insurance offer the best rates for those with good driving records.
Which is cheapest by age and gender?
Age and gender can be a factor when determining auto insurance rates. For an example of this, check out the chart below.
| Age, Gender, and Marital Status | Allstate Average Annual Rates | Geico Average Annual Rates |
|---|---|---|
| Married 35-year old female | $3,156.09 | $2,302.89 |
| Married 35-year old male | $3,123.01 | $2,312.38 |
| Married 60-year old female | $2,913.37 | $2,247.06 |
| Married 60-year old male | $2,990.64 | $2,283.45 |
| Single 17-year old female | $9,282.19 | $5,653.55 |
| Single 17-year old male | $10,642.53 | $6,278.96 |
| Single 25-year old female | $3,424.87 | $2,378.89 |
| Single 25-year old male | $3,570.93 | $2,262.87 |
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While age is commonly used as a factor when determining rates, it is illegal to use gender as a factor in several states, including Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina. Information about the insurance laws in your state can be found by using the NAIC’s list of state insurance websites.
Which is cheapest by credit score?
Depending on the auto insurance company you go with, your credit score rating might greatly affect your rates.
| Credit History | Allstate Average Annual Rates | Geico Average Annual Rates |
|---|---|---|
| Fair | $4,581.16 | $2,986.79 |
| Good | $3,859.66 | $2,434.82 |
| Poor | $6,490.65 | $4,259.50 |
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As you can see, there is a slight difference in rates by credit score from both Allstate and GEICO.
Which is cheapest by coverage level?
If you are buying higher coverage, then you will likely pay higher rates, no matter which company you go with.
| Coverage Level | Allstate Average Annual Rates | Geico Average Annual Rates |
|---|---|---|
| High | $5,139.02 | $3,429.14 |
| Low | $4,628.03 | $3,001.91 |
| Medium | $4,896.81 | $3,213.97 |
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Buying higher insurance coverage is usually a good idea, even though you have to pay more.
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Allstate vs. GEICO: Ratings and Customer Satisfaction
In the section below, we have provided information on Allstate and GEICO’s financial ratings. Across the internet, you will find that both companies have quite good customer reviews. Both companies also offer 24/7 customer service as well as apps that can be used to pay bills and much more.
What are their financial ratings?
As you will see in the chart below, both Allstate and GEICO received great financial ratings from top websites.
| Ratings Website | Allstate Ratings | Geico Ratings |
|---|---|---|
| AM Best | A+ (Superior) | A++ |
| S&P | A- | AA+ |
| Moody's | Aa3 | N/A |
| Better Business Bureau | A+ | A+ |
| Consumer Reports | 88 | N/A |
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GEICO received slightly higher ratings than Allstate from most of the companies mentioned in the chart above.
Allstate vs. GEICO: Car Insurance Coverage and Options
While both companies offer plenty of coverage options, it is important to make sure they cover everything you need.
What are their coverage options?
In the chart below, you can see some of the options offered by both Allstate and GEICO.
| Types of Coverage | Allstate Coverages | Geico Coverages |
|---|---|---|
| Bodily injury liability | x | x |
| Personal Injury Protection (PIP) | x | x |
| Property damage liability | x | x |
| Comprehensive | x | x |
| Collision | x | x |
| Uninsured/underinsured bodily injury | x | x |
| Uninsured/underinsured motorist property damage | x | x |
| Medical payments | x | x |
| Roadside assistance | x | x |
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Speaking with a local agent is the best way to find out about all the coverage options offered. This is also the best way to receive Allstate vs. GEICO car insurance quotes specific to your area.
What discounts do they offer?
It’s important to be aware of all the discounts offered by each company, some of which can be seen in the chart below.
| Discounts | Allstate Discounts Offered | Geico Discounts Offered |
|---|---|---|
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | x | |
| Utility Vehicle | x | x |
| Vehicle Recovery | x | x |
| VIN Etching | x | |
| Lane Departure Warning | ||
| Newer Vehicle | x | x |
| Green Vehicle | x | |
| Claim Free | x | x |
| Continuous Coverage | x | x |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | x |
| Driving Device/App | x | x |
| Early Signing | x | x |
| Emergency Deployment | x | |
| Family Legacy | x | x |
| Family Plan | x | |
| Farm Vehicle | x | |
| Full Payment | x | x |
| Further Education | x | |
| Garaging/Storing | x | |
| Good Student | x | x |
| Homeowner | x | |
| Low Mileage | x | x |
| Loyalty | x | |
| Membership/Group | x | |
| Military | x | |
| Multiple Policies | x | x |
| Multiple Vehicles | x | |
| Occupation | x | x |
| On Time Payments | x | |
| Paperless Documents | x | |
| Paperless/Auto Billing | x | |
| Passive Restraint | x | x |
| Safe Driver | x | x |
| Seat Belt Use | x | |
| Senior Driver | x | |
| Students & Alumni | x | |
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When trying to choose the right company between Allstate vs. GEICO for car insurance, it’s important to consider all the discounts they offer.
Allstate vs. GEICO: Which company is the best?
When looking to buy Allstate vs. GEICO car insurance, you should consider many things including their rates, customer service, discounts, and more. As you’ve learned from our article, GEICO offers lower rates in most cases; however, Allstate’s rates are quite inexpensive as well. It is important to determine your exact needs and use that to decide which company will work best for you and your family.
Hopefully, our guide has provided all the information you need to make an informed decision on Allstate vs. GEICO. For more information on each company, read our Allstate Insurance Review as well as our GEICO Insurance Review. Enter your ZIP code into our comparison box today to easily compare rates from top companies.