Allstate vs. GEICO: Best Auto Insurance for 2026

Are you trying to decide if Allstate or Geico is better for auto insurance? Don’t worry – we’re here to help.

Our Allstate vs. Geico auto insurance guide explains which company is cheaper, which has more auto insurance coverage options, discounts, and the company with the best third-party ratings.

Before seeing how Allstate vs. Geico stack up, see how much you could be saving right now. Enter your ZIP code in the free comparison tool above to find quotes from multiple companies in your area.

Allstate vs. Geico Auto Insurance: Which company is the cheapest?

The average auto insurance rate for Geico is $268 per month. Allstate’s average is $139 more than Geico. That means that when comparing Allstate vs. Geico auto insurance quotes head to head, the more affordable car insurance company is Geico.

Certain factors can cause fluctuations in your monthly rate. This guide explores the key elements that influence these changes. To start, let’s compare the costs of Geico and Allstate, including a review of Geico mechanical breakdown insurance and Allstate mechanical breakdown insurance.

Allstate vs. GEICO Summary

You can find policy information from Allstate and Geico customer service 24/7, either by phone or online. When it comes to which company earns the most, Geico makes $11.4 billion more than Allstate.

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Allstate holds a smaller market share and more expensive rates on average. This summary is just a portion of the information about both companies. Check out our Allstate Review and Geico Review for more details.

Which is cheapest by driving record?

One of the most important factors in determining auto insurance rates is your driving record. Let’s see how Allstate vs. Geico  auto insurance rates compare based on different driving records.

Allstate vs. GEICO Auto Insurance Rates by Driving Records

Driving Record Summary
Clean Driving Record	$318	$179
With 1 Speeding Violation	$374	$220
With 1 Accident	$416	$266
With 1 DUI	$522	$406

Geico is massively cheaper for drivers with a clean driving record. Even with a speeding ticket or an accident on your record, Geico is still less expensive than Allstate.

Which is cheapest by credit score?

If you have a good credit score, you’re likely to see cheaper car insurance rates. Why? Auto insurance companies correlate good credit to lower chances of filing a claim.

Customers with poor credit are typically given higher insurance rates, as providers, including Allstate, associate low credit scores with an increased likelihood of filing a claim. This often results in a rate increase after an accident and makes it harder to find cheaper insurance than Geico. In comparison to car insurance that is cheaper than Geico, Allstate’s new driver insurance cost can also be higher due to these factors.

Do Allstate and Geico follow this method? Let’s see.

Allstate vs. GEICO Auto Insurance Rates by Credit Scores

Credit History Summary
Good Credit (670-739)	$322	$203
Fair Credit Score (580-669)	$382	$249
Poor Credit Score (300-579)	$541	$355

Yes, they do. However, Geico is still much cheaper than Allstate. If you hope to save any money on auto insurance, Geico may be the better option than Allstate.

Which is cheapest by age?

In the auto insurance industry, age reflects the driving experience of the driver. Younger drivers tend to produce higher than average rates because they’re less experienced than older drivers and take more risks.

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So how much more do younger drivers pay for car insurance? Let’s examine how Allstate and Geico base their rates depending on age.

Allstate vs. GEICO Auto Insurance Rates by Age

Age of Drivers
60-Year-Old Driver	$246	$189
35-Year-Old Driver	$262	$192
25-Year-Old Driver	$291	$193
17-Year-Old Driver	$830	$497

Allstate’s car insurance rates are about $40 to $100 more for drivers 25 years old. Teen and young adult drivers will encounter auto insurance rates that are more than double the average monthly rate. However, discounts can take care of those non-standard auto insurance rates.

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Allstate vs. Geico Auto Insurance: Which company has more coverage options?

Now that you have an idea of your potential spending on Allstate and Geico car insurance, let’s examine the coverage options available with both companies, including the Allstate umbrella insurance cost, non-owner insurance options from Geico, and the Allstate car insurance quotes.

You may encounter a circumstance where you need more than just liability coverage. Check out the coverage options and see which company has more options.

Comparing Allstate vs. GEICO Auto Insurance Coverage Options

After losing the cost battle, Allstate makes a comeback by offering more coverage options. Geico has a small advantage with its mechanical breakdown insurance, though.

Allstate vs. Geico Auto Insurance: Who has more discounts?

Why are car insurance discounts so significant? The more deals a company has, the more opportunities you’ll have to save money. You may not qualify for every discount, but more bargains could increase your chances of saving money.

Let’s compare Allstate and Geico’s discounts below.

Allstate vs. GEICO Auto Insurance Discounts

Auto Insurance Discounts
Adaptive Cruise Control	✘	✘
Adaptive Headlights	✘	✘
Anti-lock Brakes	✔	✔
Anti-Theft	✔	✔
Daytime Running Lights	✔	✔
Electronic Stability Control	✔	✘
Utility Vehicle	✔	✔
Vehicle Recovery	✔	✔
VIN Etching	✘	✘
Lane Departure Warning	✘	✘
Newer Vehicle	✔	✔
Green Vehicle	✔	✘
Forward Collision Warning	✘	✘
Claim Free	✔	✔
Continuous Coverage	✔	✔
Defensive Driver	✔	✔
Distant Student	✔	✔
Driver's Ed	✔	✔
Driving Device/App	✔	✔
Early Signing	✔	✔
Emergency Deployment	✘	✔
Engaged Couple	✘	✘
Family Legacy	✘	✔
Family Plan	✘	✘
Farm Vehicle	✔	✔
Fast 5	✘	✘
Federal Employee	✘	✔
Full Payment	✔	✔
Further Education	✘	✔
Garaging/Storing	✘	✘
Good Credit	✘	✘
Good Student	✔	✔
Homeowner	✘	✔
Life Insurance	✔	✘
Low Mileage	✔	✔
Loyalty	✘	✔
Married	✘	✘
Membership/Group	✘	✔
Military	✔	✔
Military Garaging	✘	✘
Multiple Drivers	✘	✘
Multiple Policies	✔	✔
Multiple Vehicles	✘	✔
New Address	✘	✘
New Customer/New Plan	✘	✘
New Graduate	✘	✘
Newly Licensed	✘	✘
Newlyweds	✘	✘
Non-Smoker/Non-Drinker	✘	✘
Occasional Operator	✘	✘
Occupation	✔	✔
On-Time Payments	✔	✘
Online Shopper	✘	✘
Paperless Documents	✔	✘
Paperless/Auto Billing	✔	✘
Passive Restraint	✔	✔
Recent Retirees	✘	✘
Renter	✘	✘
Roadside Assistance	✘	✘
Safe Driver	✔	✔
Seat Belt Use	✘	✔
Senior Driver	✔	✘
Stable Residence	✘	✘
Students & Alumni	✘	✔
Switching Provider	✘	✘
Volunteer	✘	✘
Young Driver	✘	✘

While Geico offers a few more discounts compared to Allstate, such as the Geico marriage discount, you can still save significantly with Allstate. This includes the Allstate smart student discount and the Allstate federal employee discount, which provide substantial savings for those who qualify.

Which company has the better financial strength and customer satisfaction ratings?

Before you make your final decision, it’s smart to check out the financial strength and credit ratings of a company.

What are financial strength and credit ratings? These are ratings that summarize an insurance company’s financial performance and investment risk level. In other words, it’s a review of a company’s ability to manage money.

AM Best, Moody’s, and S&P are the most reliable agencies that review companies each year. We’ve managed to compile each agency’s recent score in the research below. Let’s see how Allstate and Geico performed.

Allstate vs. GEICO Financial Strength and Credit Ratings

Agencies
AM Best	A+ (Excellent)	A++ (Superior)
Moody's	A3 (Good)	Aa3 (Excellent)
S&P	AA- (Very Good)	AA+ (Very Good)
NAIC Complaint Index	0.41	1.14
J.D. Power - Power Circle Ratings	About Average	About Average
Consumer Reports	88	89
Apple App Store (iOS)	5 stars	5 stars
Google Play Store (Android)	4 stars	5 stars

Overall, Geico’s financial strength and credit ratings are better than Allstate’s. But what about the other ratings?

The NAIC Complaint Index, J.D. Power, and Consumer Reports scores show customer satisfaction performance. Allstate has lower than average complaints, which is a much better score than Geico.

In the J.D. Power study, Allstate and Geico have the same score. Geico comes back with another victory with a slightly stronger lead under Consumer Reports.

Allstate vs. Geico Mobile App Ratings

Allstate and Geico have the same mobile app ratings at the Apple App Store, which is five stars. However, Geico has one more star than Allstate on the Google Play Store.

To access insurance apps after downloading them to your smartphone, you’ll need to create a login for either Allstate or Geico online or through your phone. For information on Allstate full coverage cost and how Allstate handles speeding tickets, you can use this login to manage your policy details.

Once you make a Geico or Allstate Insurance account, you should be able to use your login and password on the phone, tablet, or desktop computer to access your information and make changes to your policy. Geico as well as Allstate claims can be filed using the app.

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Allstate vs. Geico Auto Insurance: The Bottom Line

Without question, Geico is the better auto insurance company when all the details stack up against Allstate. Does that make Allstate a bad company? Of course not.

Car insurance quotes can differ based on your personal details. Since individual situations vary, it’s a good idea to obtain a quote yourself to determine if you can secure affordable coverage. For instance, when exploring options like an Allstate umbrella policy or obtaining an Allstate auto insurance estimate, the Allstate area code might affect the rates and coverage available to you.

While you’re considering what you have read about Allstate and Geico auto insurance, see how much less you could be paying for your coverage. Compare multiple companies by entering your ZIP code area today.