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Allstate vs Geico: The better insurance company?

Compare Geico vs. Allstate car insurance

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Choosing between Geico vs. Allstate comes down to cheap rates or extra policy perks. Geico offers the cheapest rates at an average $1,102 per year, compared to Allstate’s average $1,486 per year. With Allstate, you’ll pay extra for extra features and discounts like its safe driver rewards program. Allstate also sees higher customer satisfaction.

Ultimately, the right choice is based on which company’s coverage and features fit your needs best.

Compare Geico vs. Allstate

Look at the coverage and discounts that you can get to help you choose the best car insurance company.

Our top pick: Geico

Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.

  • Save over $500 on average by switching
  • Earn or buy accident forgiveness to keep premiums low
  • Reach customer service 24/7 by phone, online or app
  • Access convenient app services like proof of insurance and bill pay
 

Allstate

Geico

OVERVIEW

OVERVIEW
About the provider
About the brand Your dedicated agent can help you find the best savings with multiple discounts and rewards programs. Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Online
Phone
Agent
Payment schedule
Payment schedule 12 months
Monthly
12 months
6 months
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 25%
Bundling discount
Bundling discount Up to 10% Varies
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes, up to 15%
Multi car discount
Multi car discount Yes Yes, up to 25%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes, up to 15%
Safe driver discount
Safe driver discount Up to 10% Varies
Special employment discount
Special employment discount Yes Yes
Student discount
Student discount Up to 20%, under 25 Yes, up to 15%
Usage based discount
Usage based discount Yes - up to 20% cash back No
Learn more
Learn more

Bottom line

Both Allstate and Geico have the experience and customer service that you want from an insurance company. You’ll get more discounts with Allstate if you’re driving a new or fuel efficient car. However if you’re a service member or work for the federal government, you’ll find better discounts with Geico. Before making a decision about car insurance, always compare your options to find a provider that’s right for you.

Compare alternatives to Geico and Allstate

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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