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

Want to know if Allstate or GEICO is the better choice for car insurance? You're probably wondering which company offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, GEICO offers slightly more affordable rates than Allstate
  • Allstate offers less expensive average premiums for drivers with a DUI charge on their record
  • GEICO offers more affordable prices for residents of suburban areas

Allstate vs. GEICO: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Allstate or GEICO, but between the two, which carrier has cheaper rates for insurance?

Allstate GEICO

As you can see, GEICO is about $14 per month less expensive than Allstate when looking at the national average rates for auto insurance.

But that doesn't mean GEICO will necessarily be cheaper than Allstate for every driver. Car insurance companies vary their premiums depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and a variety of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Allstate or GEICO is really the best for you, keep reading to see average premiums for each carrier broken down by several different rate factors.

Allstate or GEICO: Average Car Insurance Rates by State

State Allstate GEICO

Allstate and GEICO compete against each other in 46 states, with GEICO offering more affordable prices to the average driver in all but seven of them. If you live in Georgia, Nebraska, New York, Oklahoma, or Vermont, Allstate is the less expensive of the two carriers when looking at the overall average rates, but GEICO is the cheaper option in most of the others.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Read on to find out more.

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Which is the Best Company For Young Drivers?

Allstate GEICO
18-year-old drivers$448$369
25-year-old drivers$167$163

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

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. Just look at the table above -- where 18-year-old drivers who have GEICO for their insurance pay nearly $80 less than those who use Allstate.

That being said, both carriers will lower premiums once you turn 25. For example, average prices for Allstate policyholders decrease almost $300 and GEICO's rates drop more than $200 over that time.

Which is the Best Company for Retired Drivers?

Allstate GEICO
65+-year-old drivers$152$148

Drivers around retirement age generally enjoy some of the lowest auto insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which usually lowers their chances of accidents and other infractions that can increase prices.

So, which company offers the best rates to retired drivers? GEICO gets the slight edge here, with average premiums coming in at around $148 per month compared to Allstate's $152. However, that difference is less than 5%, which means it ultimately will come down to other factors, such as your credit score or your driving record.

Which is the Best Company for Married Drivers?

Allstate GEICO

You may not be aware, but insurance prices tend to be cheaper for married drivers than they are for single drivers. This usually boils down to married couples having multiple cars on their policy -- something quite a few car insurance companies will reward with discounts.

If you're in the market for insurance, GEICO tends to have the most affordable average rates regardless of if you're married or single, with prices nearly 10% more affordable for those who are single and about 1% cheaper for married policyholders.

Allstate vs. GEICO: Average Rates by Gender

Allstate GEICO

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for car insurance than women.

With Allstate, men typically pay around 4% more a month than women., while with GEICO, the difference is closer to 4% per month.

Looking at overall affordability, GEICO comes out on top for both men and women, with average prices 7% less for men and 7% cheaper for women.

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Allstate or GEICO: Compare State Minimum vs. Full Coverage Rates

Allstate GEICO
State Minimum*$108$101
Full Coverage**$289$269

*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, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum liability limits, GEICO normally offers slightly more affordable premiums of $101 compared to Allstate's $108. When it comes to full coverage policies with similar limits, GEICO again has the edge, with policies about $20 a month less expensive than Allstate, on average.

Is Allstate or GEICO Better for Drivers with Spotty Records?

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

Tickets and collisions will most likely raise your prices, but is Allstate or GEICO cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate GEICO
Clean Record$156$115
1 Speeding Ticket$183$150

Allstate policyholders can expect their premiums to go up an average of $27 per month if they get a ticket, while GEICO generally raises rates around $35 a month, on average.

But GEICO is usually the more affordable option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about $41 per month and drivers with a ticket can save around $33 a month with GEICO.

Which Company is Best for Drivers After an Accident?

Allstate GEICO
Clean Record$156$115
1 At-Fault Accident$229$200

Allstate drivers who get in an accident can expect to see their premiums climb by over 30%, while those who have insurance through GEICO will see about a 45% increase.

Overall, the less expensive prices come from GEICO, with monthly premiums averaging $200 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

Allstate GEICO
Clean Record$156$115
1 DUI$227$275

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than a collision or speeding ticket. GEICO drivers usually see a 58% climb in their car insurance rates after a DUI charge, while Allstate will typically increase prices by around 31%.

If you have a DUI on your record and are looking for more affordable premiums, Allstate tends to be the much cheaper option with average prices of $227 a month compared to $275 from GEICO.

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How does Credit Score Impact Allstate and GEICO Rates?

Often times, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several policyholders out there.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable rates.

So, which carrier offers the cheapest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Allstate GEICO
Excellent Credit Score$145$131
Good Credit Score$172$164

If you have great credit, you'll usually find a better deal with GEICO. Drivers with "excellent" credit can save just under 10% compared to Allstate, and those with "good" scores can also expect to see savings -- about $8 or 5% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Allstate GEICO
Fair Credit Score$203$197
Poor Credit Score$275$253

GEICO typically offers lower rates than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $6 per month less with GEICO compared to Allstate, and those with "poor" scores generally save an average of about $22 monthly.

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

Allstate GEICO
6,000 Annual Miles$197$181
12,000 Annual Miles$200$189

How much you drive can have a sizable impact on your monthly insurance bill. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

GEICO tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Allstate's average premiums for drivers with 6,000 annual miles come in nearly 10% more expensive than GEICO. Those who drive 12,000 miles every year can expect to pay 6% more with Allstate over GEICO.

Allstate vs. GEICO: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a large impact on your monthly car insurance cost. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads in those areas.

Allstate GEICO
Urban Areas$222$211
Suburban Areas$199$185
Rural Areas$174$159

When comparing these two carriers side-by-side, GEICO typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both companies, but GEICO comes out on top with average rates around $159 per month. GEICO also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a $11 and $14 a month respective difference when compared to Allstate policyholders in similar areas.

Allstate vs. GEICO Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

In the section below, we've taken a look at all of the different discounts Allstate and GEICO offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate GEICO
ABS Discount
Advance Quote Discount 
Agency Transfer Discount 
Alert Driving Discount 
Annual Mileage Discount 
Anti-Theft Discount
Commercial Drivers License Discount 
Covid-19 Relief Discount
Defensive Driver Discount
Deployed Driver Discount 
Distant Student Discount
Drive Wise Discount 
Driver Training Discount
DRL Discount
Economy Car Discount 
EFT Discount
Employee Discount 
ESC Discount 
Farm Discount 
Full Coverage Discount 

Allstate blows GEICO away when it comes to the sheer amount of discounts available, offering 40 different discounts to GEICO's 28.

There are a couple discounts both carriers offer, but Allstate also offers advance quote discounts, agency transfer discounts, alert driving discounts, and more that GEICO does not.

On the flip side, GEICO has a couple unique discounts of its own -- commercial drivers license discounts, deployed driver discounts, employee discounts, and more.

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Final Thoughts: Is Allstate or GEICO Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, is Allstate or GEICO the best one for you and your specific driver profile?

GEICO might be best for you if....

  • You have a speeding ticket on your driving record.
  • You live in an suburban area.
  • You've started working from home and don't have much of a commute.

Allstate might be best for you if...

  • You have a DUI charge on your record.
  • You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Allstate and GEICO. We also hope we've given you the information you need to make the best decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Allstate and GEICO. Luckily, does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

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Allstate vs. GEICO FAQs

Is Allstate or GEICO cheaper?

Looking just at the national average prices, GEICO is the less expensive of the two carriers, offering average rates of $185 per month compared to $199 for Allstate. Even so, GEICO won't necessarily be the most affordable carrier for everyone, since there are many different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or GEICO?

Sadly, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Allstate offers cheaper rates for drivers with a recent DUI, while GEICO is more affordable for drivers with excellent credit.

Why do Allstate and GEICO offer me different rates?

Insurance companies take a look at a lot of different variables when calculating the premiums they charge drivers. Factors like where your home is, where you park your car, age, gender, and sometimes even things like your credit score can all come into play. Both Allstate and GEICO calculate prices differently, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Allstate or GEICO at all!


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.

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