Allstate vs. Geico: Which is Better for Car Insurance?

Written by  Bryan Ochalla

Edited by  Michael Kitchen

+ 1 More

Published Apr 11, 2025 Content was accurate at the time of publication.

Geico is better than Allstate for car insurance overall. Geico’s car insurance rates are cheaper than Allstate’s for most drivers. Geico also has more discounts. However, Allstate offers more coverage options.

Allstate vs. Geico: Pros and cons

Company: Allstate

Company: Geico

Is Allstate cheaper than Geico for car insurance?

No, Geico has cheaper car insurance than Allstate for most drivers.

The cheapest car insurance can vary from place to place, but in general, Geico’s average rate is cheaper for:

Allstate has the cheapest car insurance for drivers with a DUI.

Allstate or Geico: Which is cheapest for most drivers?

Geico is cheaper than Allstate for both liability and full-coverage car insurance.

At $1,937 a year, Geico’s average full-coverage car insurance rate is 26% cheaper than Allstate’s ($2,609 a year). It’s also cheaper than the U.S. average of $1,970 a year.

Liability car insurance from Geico costs about $727 a year. That’s 37% cheaper than Allstate’s average rate of $1,158 a year and 6% cheaper than the national average.

Company	Liability annual rate	Full-coverage annual rate	LendingTree score
Geico	$727	$1,937
Allstate	$1,158	$2,609
U.S. average	$772	$1,970

Geico or Allstate: Which is cheapest for drivers with a ticket or accident?

Drivers with a ticket or accident on their records often get cheaper car insurance from Geico than from Allstate.

Geico’s average car insurance rate for drivers with a speeding ticket is $2,493 a year. Allstate’s average rate for these drivers is $3,073 a year, or 23% more than Geico’s.

At $4,125 a year, Allstate’s average rate for drivers after an accident is 23% more than Geico’s rate of $3,341 a year.

Allstate or Geico: Which is cheapest for drivers with a DUI?

Allstate is cheaper than Geico for car insurance with a DUI. These drivers pay about $3,875 a year for a full-coverage policy from Allstate, while they pay $4,584 a year with Geico. Geico’s rate is 18% higher in this case.

Geico or Allstate: Which is cheapest for drivers with bad credit?

Geico is cheaper than Allstate for car insurance with bad credit. Drivers with bad credit pay around $3,093 a year with Geico and $4,211 a year with Allstate. That makes Allstate’s average rate for drivers with bad credit 36% more than Geico’s.

Note that in California, Hawaii, Massachusetts and Michigan, your rate won’t change based on your credit.

Allstate or Geico: Which is cheapest for teen drivers?

Teen drivers get cheaper car insurance from Geico than from Allstate, based on our data.

At $2,044 a year, Geico’s average rate for teen liability insurance is 40% less than Allstate’s average rate of $3,399 a year.

Teens pay $5,048 a year for full-coverage insurance policies from Geico, on average. They pay about $7,668 a year with Allstate, or 52% more.

Allstate vs. Geico: Best car insurance coverages

If you want to personalize your car insurance policy with add-on coverages, Allstate may be a better company for you than Geico. Allstate offers twice as many add-ons as Geico.

Allstate vs. Geico: Best car insurance discounts

Although both companies offer many car insurance discounts, Geico offers several more than Allstate.

With Geico, you can get discounts for airbags, daytime running lights and insuring multiple vehicles. You can also get discounts for being in the military or federal government and not getting into an accident for at least five years. Allstate doesn’t offer any of these discounts.

Some of the discounts Allstate offers that Geico doesn’t are for going paperless, signing up for automatic payments, paying on time and paying for your policy in full.

Is Allstate better than Geico for customer satisfaction?

Customers seem happy enough about their experiences with Allstate and Geico, but they could be happier.

Both companies receive fewer complaints than expected for their size, based on their National Association of Insurance Commissioners complaint ratings.

Their J.D. Power customer and claims satisfaction ratings are less positive. Both Allstate and Geico score average at best in these areas.

Methodology

The coverages and discounts described in this article are not available in every state.

Rates are based on home insurance and auto insurance quotes for sample customers across the U.S. from Quadrant Information Services.

Unless otherwise noted, our sample driver is a 30-year-old male with a clean driving record and good credit. The sample vehicle is a 2015 Honda Civic EX. Our sample teen is an 18-year-old male with no tickets or accidents.

Liability policies include the minimum car insurance requirements, which vary by state. Full coverage includes:

Rates are shown for comparative purposes only. Yours may vary.

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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.