Alfa Alliance vs. GEICO: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, GEICO offers slightly more affordable premiums than Alfa Alliance
• Alfa Alliance offers cheaper average prices for drivers who have a speeding ticket on their driving record
• GEICO has less expensive premiums for single people who will be the only person on the auto insurance policy

Alfa Alliance or GEICO: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering substantial savings. But exactly how much can you save by switching?

You might be considering Alfa Alliance or GEICO as potential options, but between the two, which carrier has cheaper prices for car insurance?

Looking at nationwide averages, Alfa Alliance is around $9 more a month than GEICO.

But GEICO may not be the lowest or best option for each driver out there. Insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and tons of other factors, so premiums will change quite a bit from person to person.

Luckily, we've broken down average rates from both Alfa Alliance and GEICO by a variety of different rate factors, so read on to find out which company is the best for you.

Alfa Alliance vs. GEICO: Average Car Insurance Rates by State

Alfa Alliance and GEICO only compete against each other in Virginia, where GEICO offers the cheaper average prices. GEICO drivers tend to pay about $72 per month less on average compared to drivers who use Alfa Alliance for their car insurance.

But there's more to calculating insurance rates than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Alfa Alliance save over 30% a month compared to those who use GEICO.

However, both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Alfa Alliance policyholders lower almost 15% and GEICO's prices drop more than 55% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates out there.

So, which carrier offers the best prices to retired drivers? In this case, GEICO has the slight edge, with premiums about $7 per month less than Alfa Alliance. Even so, the difference is only around 5%, so other variables will likely come into play when determining which company has the cheapest prices for you.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally more expensive for those who are single than they are for married couples? This usually boils down to married drivers having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is not very significant, with GEICO premiums coming in at about 0% less than Alfa Alliance's. But for married policyholders, the advantage is clear - GEICO has the edge when it comes to average rates.

Alfa Alliance or GEICO: Average Rates by Gender

You may not know, but car insurance is normally cheaper for women than it is for men. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

Men typically pay around $1 a month more than women with Alfa Alliance, and about $8 more with GEICO.

Looking at the data for each carrier specifically, GEICO offers the lowest average premiums for both men and women, with average rates $6 less for men and $13 cheaper for women.

Alfa Alliance vs. GEICO: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, GEICO has the slight edge, with average monthly prices coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging around $269 per month to Alfa Alliance's $286.

Is Alfa Alliance or GEICO Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which company -- Alfa Alliance or GEICO -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Alfa Alliance for their insurance can generally expect their monthly bill to go up about 18% after getting a speeding ticket. GEICO policyholders can expect a bit more drastic of an increase of around 23%.

Even so, Alfa Alliance tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 7% less expensive for drivers with clean records and 13% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with GEICO raising by about 43%. Alfa Alliance has a less extreme increase, but you can still expect to pay nearly 35% more than you were prior to your first accident.

At the end of the day, drivers who use Alfa Alliance end up with the cheaper prices after an accident, with average premiums coming in at $162 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Alfa Alliance drivers usually see a 72% raise in their car insurance prices after a DUI charge, while GEICO will normally increase premiums by around 58%.

How does Credit Score Impact Alfa Alliance and GEICO Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect a lot of drivers out there.

The reasoning auto insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which carrier offers the most affordable rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alfa Alliance or GEICO Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a small difference in monthly rates for GEICO, with drivers who put 6,000 miles on their car every year paying about $8 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, GEICO is the cheaper company.

Alfa Alliance or GEICO: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly car insurance payment. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads where they live.

Alfa Alliance usually comes out as the more affordable option for drivers in rural and urban areas, while GEICO wins in suburban areas.

For drivers in urban ZIP codes, Alfa Alliance's average rates are around $200 a month compared to GEICO's $211. People in suburban areas pay about $185 with GEICO compared to Alfa Alliance's $234 monthly. Those in rural areas can expect to pay around $149 a month with Alfa Alliance compared to GEICO's $159.

Alfa Alliance vs. GEICO Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Alfa Alliance and GEICO so that you can easily see which company offers the most discounts and, therefore, the largest savings.

GEICO knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Alfa Alliance's 28.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good driver, and mature driver discounts. GEICO also offers discounts for ABS, anti-theft, commercial drivers license, and more.

On the other hand, Alfa Alliance has a few proprietary discounts of their own for things like advance quote discounts, homeowner discounts, intra-agency transfer discounts, and more.

Final Thoughts: Is Alfa Alliance or GEICO Best for You?

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best one for you and your specific profile and needs?

GEICO might be best for you if....

• You're thinking about moving to another state -- undefined only offers policies in.
• You're looking for the carrier with the most discounts.
• You're of retirement age and want to take advantage of lower premiums.

Alfa Alliance might be best for you if...

• You've been pulled over for speeding recently.
• Your credit score is high.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Alfa Alliance and GEICO and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Alfa Alliance and GEICO. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Alfa Alliance vs. GEICO FAQs

Is Alfa Alliance or GEICO cheaper?

GEICO is the less expensive of the two companies when looking at national average rates, with policies averaging $185 per month with GEICO and $194 for Alfa Alliance. However, that doesn't mean GEICO will be the most affordable company for every driver, since there are a bunch of different variables that are considered when it comes to your car insurance bill.

Who is better, Alfa Alliance or GEICO?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all boils down to your unique auto insurance profile. For example, Alfa Alliance is cheaper for drivers with excellent credit, while GEICO offers less expensive premiums for drivers with a recent DUI.

Why do Alfa Alliance and GEICO offer me different rates?

Insurance carriers use several different factors when determining the prices they charge. Things like gender, age, your driving record, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Alfa Alliance and GEICO calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if Alfa Alliance or GEICO is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Alfa Alliance or GEICO at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.