Allstate vs. Geico Auto Insurance in 2025 (Side-by-Side Review)
Allstate vs. Geico auto insurance offers different rates, discounts, and coverage options. Geico’s starts at $43, and Allstate costs $87. Geico Auto Repair Xpress provides faster claims and Allstate’s Drivewise rewards for safe driving. Compare costs, coverage, and features to find the best policy.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Mar 20, 2025
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11,638 reviewsCompany Facts
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19,116 reviewsAllstate vs. Geico auto insurance offers different rates, discounts, and coverage options, making it essential to compare policies based on your driving profile.
Geico generally provides lower rates, especially for good drivers and younger drivers; by contrast, Allstate offers better discounts for bundling and safe driving programs. If you have a poor credit score or past accidents, Allstate’s rate increases are smaller, but Geico’s DriveEasy program can help safe drivers save more.
Allstate vs. Geico Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 3.8 | 4.4 |
| Business Reviews | 4.0 | 4.5 |
| Claim Processing | 3.0 | 4.8 |
| Company Reputation | 4.5 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 3.5 | 4.4 |
| Customer Satisfaction | 2.0 | 2.3 |
| Digital Experience | 4.5 | 5.0 |
| Discounts Available | 5.0 | 4.7 |
| Insurance Cost | 3.4 | 4.5 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 3.4 | 4.1 |
| Savings Potential | 3.9 | 4.5 |
| Allstate | Geico |
Understanding how these companies calculate premiums based on age, driving history, and available discounts ensures you get the best deal for your coverage needs.
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- Allstate’s rates start at $87/month, with bundling discounts for safe driving
- Geico offers the lowest rates, starting at $43 a month for good drivers
- Allstate includes the Drivewise program and Geico for Auto Repair Xpress claim
Geico vs. Allstate Auto Insurance: Rate Comparison & Market Share Insights
Geico vs. Allstate car insurance pricing difference by age group, with Geico offering substantially lower premiums most of the time. Geico’s monthly rate for 16-year-old male drivers is $445, but with Allstate, the charge is $910, a $465 difference. This pattern holds true for more senior drivers: Males in their 60s pay just $106 per month with Geico, whereas Allstate charges them $220.
Allstate vs. Geico Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $868 | $425 |
| Age: 16 Male | $910 | $445 |
| Age: 30 Female | $240 | $128 |
| Age: 30 Male | $252 | $124 |
| Age: 45 Female | $231 | $114 |
| Age: 45 Male | $228 | $114 |
| Age: 60 Female | $214 | $104 |
| Age: 60 Male | $220 | $106 |
The same pattern holds for female drivers, with Geico charging $425 for a 16-year-old female, while Allstate’s rate is $868. However, while Geico has cheaper base rates, its rate increases after an accident or a poor credit score, which is much higher than Allstate’s.
Allstate’s adjustments to its premiums are smaller, so it’s a good pick for high-risk drivers who might face a minor financial penalty for previous misdeeds.
When choosing between Allstate and Geico, focus on your driving habits and coverage needs—Geico offers lower rates and a faster claims process, while Allstate provides better discounts for students, military members, and safe drivers through Drivewise, making it essential to compare quotes and features before making a decision.Laura Berry Former Licensed Insurance Producer
In terms of market share, Geico tops the list with 12.31% of the market, while the overall market share for Allstate is a mere 10.37%, signifying Geico’s better pricing and more extensive reach to a broader consumer base.
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Compare Geico & Allstate Car Insurance Discounts Side by Side
Allstate and Geico have a long list of possible discounts, but not all types of savings are created equal. Geico provides a discount of 25% for vehicles with security features, while Allstate limits it to 10%. Installing a Geico anti-theft device can help lower your insurance costs by reducing the risk of theft and potential claims.
Allstate vs. Geico: Auto Insurance Discounts
| Discount Type | | |
|---|---|---|
| Anti-Theft | 10% | 25% |
| Bundling | 25% | 25% |
| Good Driver | 25% | 26% |
| Good Student | 20% | 15% |
| Usage-Based Insurance (UBI) | 30% | 25% |
| Military | 25% | 15% |
| Multi-Vehicle/Car | 25% | 25% |
| Federal Employee | 10% | 8% |
| Membership | 10% | 8% |
| Pay-in-Full | 10% | 10% |
Both companies match at 25% for bundling and multi-vehicle discounts, but Geico gives a slightly better rate for good drivers at 26% compared to Allstate’s 25%. Allstate, however, has a stronger usage-based insurance discount at 30% compared to Geico’s 25%. If you’re a student, Allstate offers a good student discount of 20%, whereas Geico provides only 15%.
Allstate offers a 25% military discount, while Geico provides 15%. Federal employees and certain organization members get 10% off with Allstate and 8% with Geico. Both companies offer a 10% pay-in-full discount. Allstate’s best discounts apply to military, students, and usage-based insurance, while Geico favors anti-theft features and good drivers.
Allstate vs. Geico: Auto Insurance Rates by Driving Record
Allstate vs. Geico auto insurance rates vary significantly based on driving history. For a driver with a clean record, Geico has a much lower monthly rate at $114 versus Allstate at $228. For example, after one accident, Geico’s rate would be $189, while Allstate’s rate would pop to $321; that makes Allstate $132 more expensive.
Allstate vs. Geico Full Coverage Auto Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $228 | $114 |
| One Accident | $321 | $189 |
| One Ticket | $268 | $151 |
| One DUI | $385 | $309 |
A single speeding ticket raises Geico’s premium to $151, while Allstate’s goes up to $268. The most significant increase occurs after a DUI, with Geico charging $309 and Allstate raising rates to $385.
While Geico starts with lower base rates, its increases after violations remain lower than Allstate’s. However, drivers with prior infractions may still find Allstate’s rate adjustments more predictable over time.
Allstate vs. Geico: Auto Insurance Rates by Credit Score
Geico offers significantly lower rates than Allstate for drivers with all credit scores. For those with good credit (670-739), Geico charges $203 per month, while Allstate costs $322—a difference of $119. The trend continues for drivers with fair credit (580-669), where Geico’s rate is $249 compared to Allstate’s $382.
Allstate vs. Geico Average Monthly Auto Insurance Rates by Credit Score
| Credit History Summary | | |
|---|---|---|
| Good Credit (670-739) | $322 | $203 |
| Fair Credit Score (580-669) | $382 | $249 |
| Poor Credit Score (300-579) | $541 | $355 |
The gap widens for poor credit (300-579), with Geico at $355 and Allstate at $541. This means Allstate policyholders with poor credit pay nearly $200 more per month than Geico customers in the same category. Geico consistently offers cheaper premiums, making it the more affordable option for drivers with lower credit scores.
Allstate’s prices tend to remain more stable over time, whereas Geico’s rates jump more steeply if you fall into a lower credit tier. This illustrates the impact of credit scores on auto insurance rates, which may matter more to drivers with bad credit in terms of increases than in the case of Geico versus Allstate.
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Allstate vs. Geico: Consumer Ratings & Reviews Compared
Allstate and Geico receive similar ratings across most consumer review agencies, but Geico holds a slight edge in customer satisfaction and complaint handling. J.D. Power scores Geico at 692/1,000, slightly above average, while Allstate follows closely at 691/1,000.
Insurance Business Ratings & Consumer Reviews: Allstate vs. Geico
| Agency | | |
|---|---|---|
 | Score: 691 / 1,000 Avg. Satisfaction | Score: 692 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 74/100 Good Customer Satisfaction |
 | Score: 1.45 Avg. Complaints | Score: 0.55 Fewer Complaints Than Avg. |
 | Score: A+ Superior Financial Strength | Score: A++ Superior Financial Strength |
Both companies earn an A+ from the Better Business Bureau for business practices and a 74/100 from Consumer Reports for customer satisfaction. The biggest difference appears in complaint volume. The National Association of Insurance Commissioners (NAIC) rates Allstate with a 1.45 complaint ratio, while Geico scores lower at 0.55, meaning Geico customers file fewer complaints on average.
Financial strength ratings also favor Geico, which receives an A++ from AM Best, compared to Allstate’s A+. Both companies are financially stable, but Geico is rated at the highest level.
Geico ranks higher in customer satisfaction and fewer complaints, making it a better option for service quality. However, both companies are financially stable and provide dependable coverage, reinforcing their place among the best auto insurance companies.
Pros and Cons of Allstate Auto Insurance
Allstate auto insurance offers strong discounts and reliable customer service through its network of local agents. However, its higher base rates and customer complaint volume may be drawbacks for some drivers.
Pros
- Strong Discounts: Offers better savings for bundling, safe driving (Drivewise), students, and military members.
- Predictable Rate Increases: Premiums rise less sharply after accidents or credit score drops compared to Geico.
- Local Agents Available: Provides in-person service through a large network of agents for personalized support.
Cons
- Higher Base Rates: Higher Base Rates are more expensive than Geico across most categories, especially for younger and high-risk drivers.
- More Complaints: NAIC data shows a higher complaint ratio (1.45) compared to Geico (0.55), indicating more customer service issues.
A Yelp user provides a review highlighting Allstate’s strong agent support. He was praised for going above and beyond to fight a non-renewal policy and working directly with underwriters to resolve the issue. The service was exceptional, and he confirmed he truly felt “in good hands.”
Read Chris G.‘s review of Allstate Insurance: Jack Amran on Yelp
Allstate stands out for its discounts and agent support, but its higher premiums and customer service complaints may be dealbreakers for some. Comparing quotes can help determine if the benefits outweigh the costs in your situation.
Pros and Cons of Geico Auto Insurance
It is a good option for budget-conscious drivers due to its low rates and digital-first approach. Though it shines in pricing and claims speed, it isn’t for everyone — especially those who prefer in-person service. Here’s a closer look at Geico’s strengths and weaknesses.
Pros
- Lower Rates: Consistently offers cheaper premiums than Allstate, especially for drivers with clean records and good credit.
- Fewer Complaints: NAIC data shows a lower complaint ratio (0.55) compared to Allstate (1.45), meaning fewer reported customer service issues.
- Efficient Claims Process: The Geico Auto Repair Xpress program speeds up repairs with priority service and rental car coordination.
Cons
- Harsher Rate Increases: Premiums jump more after an accident or traffic violation, making it pricier for high-risk drivers over time.
- Limited Local Support: Primarily an online-based insurer with fewer local agents, which may be a downside for those who prefer in-person service.
A Yelp reviewer rated Geico car insurance customer service Five stars, noting that they had been reliable for 20 years. She emphasized that prompt payments and safe driving prevent problems and said Geico’s agents deal with difficult callers well and are an invaluable part of the company’s support team.
Digital-savvy, cost-conscious drivers will appreciate Geico’s low rates and easy online claims process. But if you’re looking for stable pricing when you get into an accident or if you prefer a local agent, it might not be the right fit for you.
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How Geico’s Low Rates Stack Up Against Allstate’s Discount Programs
Geico is the cheaper option for most drivers, especially those with clean records and good credit, while Allstate’s rates are higher but increase less after an accident. Geico’s discounts favor good drivers and anti-theft features, while Allstate offers better savings for students, military members, and usage-based programs.
After switching to Geico, I saved over $500 a year, but when I needed hands-on support after an accident, I missed having a local Allstate agent—if you value face-to-face service, Allstate may be worth the higher cost, while Geico is better for tech-savvy drivers looking for the lowest rates.Aremu Adams Adebisi Feature Writer
Geico processes claims faster with Auto Repair Xpress, while Allstate offers in-person agent support. Geico receives fewer complaints, but some drivers prefer Allstate’s personal service. When comparing auto insurance for different types of drivers, Geico is often the better option for those seeking lower rates and a fully digital experience.
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Frequently Asked Questions
Is Allstate better than Geico for auto insurance?
It depends on what you need. Allstate offers better bundling options, local agents, and more discounts for safe driving. Geico generally has lower rates, better digital tools like the Geico Mobile app, and usage-based savings with Geico DriveEasy. If you prefer in-person service, Allstate may be better, but Geico wins in terms of affordability and online access.
How much does Allstate’s new driver insurance cost?
Allstate’s new driver insurance costs more than Geico’s. A 16-year-old on an Allstate policy pays around $910 per month, while Geico charges about $445 per month for the exact driver. Allstate’s teenSMART program can help reduce rates by up to 45%, but even with discounts, Geico is the cheaper option for new drivers.
How do Geico car insurance rates vary by state?
Geico prices vary greatly by state because of local regulations, accident risks, and repair costs. California drivers pay about $133 per month, and Ohio drivers pay around $75 per month. Geico premiums tend to be higher in states with a lot of accidents, such as Florida.
Is Allstate cheaper than Geico for car insurance?
Geico is usually cheaper than Allstate, especially for drivers with clean records. On average, Geico’s full coverage rates are 25% lower than Allstate’s. However, Allstate’s price increases after an accident are smaller than Geico’s. If you have a bad driving record or poor credit, Allstate may be more stable in the long run.
Does Geico offer a student discount on car insurance?
Yes, Geico offers a student discount of up to 15% for full-time students under age 25 who maintain at least a B average (3.0 GPA or higher). Allstate’s good student discount is 20%, making it a better option for students who qualify.
How much does Geico charge for car insurance after a DUI?
A DUI increases Geico’s rates by nearly 50%. A driver with a clean record pays about $114 per month, but after a DUI, it jumps to $309 per month. Allstate’s DUI rates increase by around 40%, with an average post-DUI premium of $385 per month. If you have a DUI, Geico is usually the cheaper option.
Does Allstate offer a military discount on auto insurance?
No, Allstate Insurance Company does not have a specific military discount, but it offers other discounts that may help military personnel save, such as bundling home and auto insurance. Geico, on the other hand, provides a 15% military discount for active-duty members, veterans, and National Guard or Reserves.
How does Geico determine car insurance rates by ZIP code?
Geico calculates rates based on accident data, theft rates, weather risks, and repair costs in each ZIP code. For example, urban ZIP codes with high traffic congestion (like Los Angeles) have higher rates, while suburban or rural areas with fewer accidents pay less. Allstate follows a similar pricing model.
What is the average Geico monthly car insurance cost?
On average, Geico’s monthly car insurance cost is about $125 for full coverage and $43 for minimum coverage. However, rates differ by age, driving record, credit score, and state laws. As a result, Allstate charges an average of $87 per month for minimum coverage and $180 for full coverage, which means Geico is cheaper in the majority of cases.
How does Allstate compare to Amica for auto insurance?
Amica auto insurance often beats Allstate in customer satisfaction and claims handling. Allstate has more coverage options, but Amica offers better service and fewer customer complaints. If you want excellent customer service, Amica is better, but if you need local agents and more discounts, Allstate is a better fit.
What is the Geico phone number for customer service?
The Geico customer service phone number is (800) 207-7847. Policyholders can use this number for billing questions, claims, policy updates, and roadside assistance. Allstate’s customer service number is (800) 255-7828.
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Does Geico use your credit score to determine car insurance rates?
Yes, Geico uses credit scores in most states to determine rates, except in places where it’s banned (California, Hawaii, Massachusetts, and Michigan). Drivers with low credit scores can pay up to 2x more than those with good credit. Allstate also factors in credit scores but offers smaller rate increases for bad credit.
How does Allstate compare to Safeco for auto insurance?
Safeco auto insurance is often cheaper than Allstate, especially for high-risk drivers. However, Allstate offers more discounts and a more vigorous claims process. Safeco has lower rates for older drivers, while Allstate is better for bundling policies. If you prefer agent-based service, Allstate is better, but for cheaper rates, Safeco wins.
How does Allstate vs. Geico home insurance compare?
Allstate’s home insurance offers more coverage options, including flood and earthquake protection. Geico home insurance is underwritten by third-party companies and has fewer customization options. If you want bundling discounts, Allstate Vehicle and Property Ins. Co. is the better choice.
How does State Farm compare to Geico for auto insurance?
State Farm and Geico have similar rates for good drivers, but State Farm offers better rates for drivers with accidents or DUIs. Geico has better digital tools and lower average premiums. If you prefer local agents and better claim handling, State Farm is the better choice. If you want the cheapest rates with a fully online experience, Geico is best.
