Allstate vs. GEICO Car Insurance for 2021

Looking to compare Allstate vs. GEICO car insurance quotes? Alongside prices, you‘ll need to know other factors that affect the price of car insurance. Don’t worry – we’re here to help.

Continue reading this guide to learn more about Allstate vs. GEICO car insurance rates, what factors affect costs, and customer review ratings of both companies.

Before jumping into this Allstate vs. GEICO car insurance review, enter your ZIP code into our free online quote tool above to find affordable car insurance quotes.

Allstate vs. GEICO: Which company is cheapest in a head-to-head price comparison?

When comparing affordable Allstate vs. GEICO car insurance, GEICO quotes are about $268 per month on average, but Allstate insurance is about $407 per month.

However, Allstate vs. GEICO pricing depends on several factors, such as age, credit score, and driving record. Insurers use these factors to compare the risks of drivers they insure.

Let’s go through each factor to see how Allstate and GEICO determine rates.

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Allstate vs. GEICO: Which company is the cheapest by age?

Age is a factor that’s connected to the driving experience. Teen and young adult drivers aren’t as experienced as older drivers, so rates will be higher than average.

Let’s compare Allstate and GEICO rates based on age.

When it comes to car insurance by age, GEICO is the cheapest company out of the two. GEICO is the second-largest auto insurer, popular for its low rates offered to consumers both online and over the phone.

As our methodology predicted, younger drivers pay much more for auto insurance. Meanwhile, seniors pay the least for auto insurance premiums.

To save more on teen car insurance, look into insurance discounts for student drivers and slash those costly rates.

Allstate vs. GEICO: Which insurance company is the cheapest by credit score?

Did you know auto insurance providers correlate your credit score to risk? According to Experian, car insurance companies issue cheaper car insurance rates to customers with good and excellent credit scores.

Why? Auto insurance companies believe people with higher credit scores are less likely to file a claim.

What about people with fair and poor credit scores? Let’s compare Allstate vs. GEICO auto insurance rates based on credit.

GEICO wins another price battle under premiums based on credit score. Allstate is more than $100 on each credit level.

Allstate vs. GEICO: Which company is the cheapest by driving record?

One of the most significant factors when determining car insurance is driving record – it’s the fastest way to affordable auto insurance quotes.

So how do Allstate and GEICO respond to the driving records of their customers? Let’s review.

Allstate remains the more expensive company, but you can ensure cheaper than average rates through a clean driving record.

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How to compare Allstate and GEICO car insurance coverages

Sometimes low-cost car insurance isn’t enough. You may need a versatile auto insurance policy. A cheap car insurance policy with little coverage may not be worth it.

What does this mean for Allstate and GEICO? We’ve collected some detailed information on both companies to see which company offers more car insurance coverage. Let’s compare.

Although GEICO is more affordable, it doesn’t have the same number of coverages as Allstate. That may be why Allstate car insurance is more expensive. However, if you’re looking for an affordable car insurance policy, Geico might be a better choice for you.

How to compare Allstate and GEICO discounts

What about insurance discounts? Cheap car insurance quotes are helpful for your budget, but discounts can reassure you that your auto insurance rates stay low.

Between Allstate and GEICO, which company has more opportunities to save?

With all the discounts listed for Allstate, you may be able to get lower prices. GEICO has a few bargains, but Allstate appears to be more transparent on how much you can save.

Allstate vs. GEICO: Which company has the better financial strength and customer experience ratings?

If affordability isn’t enough, the next step is looking at how Allstate and GEICO perform for customers and how they manage money.

There are several agencies in the United States that grade insurance companies on their performance each year. We’ve compiled their scores in the research below.

Overall, GEICO’s ratings are much stronger. However, the National Association of Insurance Commissioners (NAIC) reported that Allstate has fewer consumer complaints.

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Allstate vs. GEICO: What’s the bottom line?

GEICO is cheaper than Allstate when you stack up both companies. However, Allstate has more coverage options and discounts. Should you buy Allstate vs. GEICO car insurance? Take a moment to match up the pros and cons of each company to see which works for you.

Before choosing the right insurance company for you, you’ll need to provide information such as driving history, facts about the car and its features, and annual mileage driven. You’ll also need to think what coverages might be suitable for you. Also when comparing quotes among insurance companies, check if each is providing the same coverage limits and deductibles.

Now that you’ve finished this Allstate vs. GEICO car insurance review, enter your ZIP code in the free comparison tool below to compare the top car insurance companies near you.