D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 1, 2021

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Just the Basics

  • Allstate vs. GEICO pricing depends on several factors
  • GEICO’s usage-based program is only available in 19 states
  • Comparing ratings can help you on the next step to buy car insurance

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.

Allstate vs. GEICO: Which company is 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.

Allstate vs. GEICO Average Monthly Car Insurance Rates by Age
Age of DriversAllstate Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
60-Year-Old Driver$246$189
35-Year-Old Driver$262$192
25-Year-Old Driver$291$193
17-Year-Old Driver$830$497
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When it comes to car insurance by age, GEICO is the cheapest company out of the two.

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 discounts for student drivers and slash those costly rates.

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

Did you know auto insurance providers correlate your credit score to risk? According to Experian, car insurance companies issue cheaper 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.

Allstate vs. GEICO Average Monthly Car 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
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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 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 vs. GEICO Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryAllstate Average Monthly Car Insurance RatesGEICO Average Monthly Car Insurance Rates
Clean Driving Record$318$179
With 1 Speeding Violation$374$220
With 1 Accident$416$266
With 1 DUI$522$406
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Allstate remains the more expensive company, but you can ensure cheaper than average rates through a clean driving record.

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Comparing 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.

Allstate vs. GEICO Car Insurance Coverages
Coverage SummaryAllstate AvailabilityGEICO Availability
Bodily Injury Liability (BI)
Property Damage Liability (PD)
Collision
Comprehensive
Medical Payments (MedPay)
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist (UM/UIM)
Roadside Assistance
Rental Car Reimbursement Coverage
Rideshare Insurance
Usage-Based InsuranceAvailable in 19 states*
Travel Expense Coverage
Sound System Insurance
Mechanical Breakdown Insurance
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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.

Comparing Allstate and GEICO Discounts

What about discounts? Cheap 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?

Allstate vs. GEICO Car Insurance Discounts
Car Insurance DiscountsAllstate Car Insurance SavingsGEICO Car Insurance Savings
Accident Forgiveness30%N/A
Accident-FreeN/ADepends on Your State
Anti-lock Brake10%5%
Anti-Theft Device10%25%
Daytime Running LightsN/A3%
DeductibleDepends on Your StateN/A
Defensive Driver20%Depends on Your State
Driving trainingDepends on Your StateDepends on Your State
E-billing10%N/A
Early Quote10%N/A
Emergency DeploymentN/A25%
EV/Hybrid10%N/A
FamilyDepends on Your StateN/A
Farm Vehicle10%N/A
Federal EmployeeN/A25%
Good Driver10%26%
Good Payer5%N/A
Good Student10%15%
Low Mileage10%N/A
MilitaryN/A15%
Multiple Policy10%Depends on Your State
Multiple Vehicle10%Depends on Your State
New Car15%N/A
OrganizationN/ADepends on Your State
Paid in full10%N/A
Paperless documentsDepends on Your StateN/A
Passive Restraint10%25%
Preferred payment5%N/A
Prepay10%N/A
Seat Belt UseN/A15%
Senior Adult5%Depends on Your State
Student Away at School5%N/A
teenSMART35%Depends on Your State
Utility VehicleDepends on Your StateN/A
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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.

Allstate vs. GEICO Financial Strength and Customer Experience Ratings
AgenciesAllstate RatingsGEICO Ratings
AM BestA+ (Excellent)A++ (Superior)
Moody'sA3 (Good)Aa3 (Excellent)
S&PAA- (Very Good)AA+ (Very Good)
NAIC Complaint Index0.411.14
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8889
Apple App Store (iOS)5 stars5 stars
Google Play Store (Android)4 stars5 stars
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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.

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.