Allstate vs GEICO
Side-by-side car insurance comparison based on rates across all available locations
Allstate
3.9Avg Monthly
$156/mo
Best Rate
$82/mo
Best For
Bundle savings
Top Discount
Multi-policy 25%
Founded
1931 · Northbrook, Illinois
Available In
14 locations
GEICO
4.3Avg Monthly
$101/mo
Best Rate
$60/mo
Best For
Online savings
Top Discount
Good driver 22%
Founded
1936 · Chevy Chase, Maryland
Available In
50 locations
Advertisement
Rate Comparison by State
Advertisement
Pros & Cons
Allstate
Pros
- ✓Drivewise telematics rewards safe driving habits
- ✓Broad network of local agents
- ✓New car replacement and gap insurance available
- ✓Deductible rewards programme reduces your excess over time
Cons
- ✗Rates tend to be above average versus national competitors
- ✗Some claims processes reported as slow by policyholders
GEICO
Pros
- ✓Consistently among the lowest rates nationally
- ✓Award-winning mobile app and 24/7 online service
- ✓Wide range of discounts (good driver, military, multi-policy)
- ✓Strong financial stability — A++ AM Best rating
Cons
- ✗No local agent network — online and phone only
- ✗Gap and rideshare coverage not available in all states
Which Should You Choose?
GEICO is the cheaper option in 14 of 14 states where both insurers operate, saving an average of $32/month. Allstate is cheaper in 0 states.
GEICO has a higher average customer rating (4.3/5) compared to Allstate (3.9/5). However, ratings can vary by state and coverage type.
Allstate is generally best for bundle savings, while GEICO stands out for online savings. The right choice depends on your priorities — lowest price, best service, or specific discounts.
Advertisement