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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Allstate and GEICO are two of the largest auto insurance companies in the U.S.[1] Both companies have earned strong reputations in the industry, but neither will be right for every driver.
GEICO’s marketing emphasizes affordable rates and streamlined digital experiences. Allstate promotes its comprehensive coverage options and personalized policies. Both insurers offer competitive pricing and solid financial stability, making them reliable choices for protecting your vehicle and your wallet.
We’ll help you compare car insurance options by breaking down how these two insurance giants fare across the factors that matter most to you.
Allstate and GEICO earn identical Compare.com Ratings, reflecting their strong overall performance across multiple categories.
Both companies offer telematics programs to reward safe drivers with discounts.
GEICO’s average national rate for full coverage is $138 per month, while Allstate averages $136.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate has been in business since 1931 and is now the fourth-largest U.S. auto insurer by market share. The company operates in all 50 states and offers a comprehensive suite of coverage options designed to meet diverse driver needs.
Allstate stands out for its large network of local agents, who can provide face-to-face guidance when you need it. The company’s coverage options include specialty policies for classic cars and rideshare driver coverage through its Allstate Ride for Hire endorsement. Allstate’s Drivewise telematics program stands out for offering some of the industry’s most generous safe driving discounts.
Excellent telematics program
Strong local agent network
Comprehensive coverage options
Higher average premiums
Limited digital features
Complex policy management
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO’s rates are affordable for most drivers. The insurer stands out for digital convenience, with its robust mobile app. It also allows customers to file claims, manage their policy, pay premiums, and request ID cards online or through its app.
Plus, its DriveEasy telematics program offers a discount, depending on your driving habits and history.
Competitive nationwide rates
Superior digital tools
24/7 customer service through mobile app
Limited local agents
Fewer specialty coverages
Doesn’t directly sell rideshare insurance
We’ve included further breakdowns for each driver type in the subsections below.
When choosing an insurance company, you’ll want to consider factors like cost, customer service quality, coverage options, and financial stability. These elements directly affect your experience as a policyholder and your protection when you need it most.
Here’s how Allstate and GEICO compare across the main categories we use to evaluate insurers: cost, customer satisfaction, policy management, availability, and industry reputation.
Category  | Allstate | GEICO |
|---|---|---|
| Cost | 5/5 | 4.9/5 |
| Customer satisfaction | 3.7/5 | 4.3/5 |
| Policy management | 4.8/5 | 4.9/5 |
| Availability | 5/5 | 5/5 |
| Industry reputation | 4.7/5 | 4.7/5 |
| Overall Rating | 4.93/5 | 4.93/5 |
Both companies earn identical overall ratings, but each excels in different areas.
Allstate leads slightly in cost, with lower average premiums for many drivers, while GEICO edges ahead in customer satisfaction and digital policy management. Both companies offer nationwide coverage and maintain strong industry reputations with solid financial strength ratings.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Car insurance rates vary significantly from one company to the next, and even more dramatically from driver to driver. Factors like your age, location, driving record, credit history, and vehicle play crucial roles in determining your premium.[2]
That’s why comparison shopping is so important. The cheapest company for your neighbor might not be the most affordable option for you. It’s worth getting quotes from multiple insurers to find the best rate for your specific situation.
If you finance or lease your vehicle, remember that lenders and leasing companies typically require you to purchase full-coverage insurance to protect their investment in your car.
Here’s how Allstate’s and GEICO’s average full-coverage rates compare across different coverage types and driver profiles, according to Compare.com data.
Driver Type | Allstate | GEICO | Industry Average |
|---|---|---|---|
| All drivers | $136 | $138 | $177 |
| Teens | $288 | $246 | $339 |
| Seniors | $106 | $101 | $151 |
| Recent ticket | $175 | $185 | $223 |
| Recent accident | $176 | $166 | $232 |
| DUI conviction | $197 | $187 | $257 |
| Poor credit | $165 | $168 | $215 |
Policies start as low as $38 per month.
Insurance rates vary significantly from state to state due to factors like local weather patterns, traffic congestion, crime rates, accident frequency, and state insurance regulations. Some states also have different requirements for minimum coverage levels.
Here’s how Allstate’s and GEICO’s average full-coverage rates break down by state, according to our data.
State | Allstate | GEICO |
|---|---|---|
| Alabama | $100 | $137 |
| Alaska | $242 | $144 |
| Arizona | $224 | $164 |
| Arkansas | $190 | $129 |
| California | $250 | $197 |
| Colorado | $176 | $174 |
| Connecticut | $360 | $197 |
| Delaware | $391 | $229 |
| Florida | $200 | $175 |
| Georgia | $156 | $243 |
| Hawaii | $283 | $133 |
| Idaho | $138 | $83 |
| Illinois | $211 | $127 |
| Indiana | $192 | $90 |
| Iowa | $91 | $80 |
| Kansas | $176 | $145 |
| Kentucky | $232 | $180 |
| Louisiana | $172 | $173 |
| Maine | $123 | $116 |
| Maryland | $480 | $248 |
| Massachusetts | $277 | $130 |
| Michigan | $${AUTO_CARRIER_ALLSTATE_FULL_STATE_MI_PRICE} | $226 |
| Minnesota | $184 | $161 |
| Mississippi | $119 | $125 |
| Missouri | $156 | $170 |
| Montana | $126 | $120 |
| Nebraska | $126 | $120 |
| Nevada | $172 | $235 |
| New Hampshire | $179 | $87 |
| New Jersey | $596 | $294 |
| New Mexico | $268 | $168 |
| New York | $211 | $218 |
| North Carolina | $122 | $103 |
| North Dakota | $92 | $80 |
| Ohio | $158 | $91 |
| Oklahoma | $109 | $165 |
| Oregon | $188 | $121 |
| Pennsylvania | $136 | $120 |
| Rhode Island | $391 | $245 |
| South Carolina | $180 | $172 |
| South Dakota | $148 | $142 |
| Tennessee | $165 | $118 |
| Texas | $136 | $173 |
| Utah | $157 | $123 |
| Vermont | $111 | N/A |
| Virginia | $215 | $161 |
| Washington | $146 | $145 |
| Washington D.C. | $587 | $300 |
| West Virginia | $201 | $145 |
| Wisconsin | $173 | $82 |
| Wyoming | $88 | $80 |
Both companies offer the standard coverage types most states require, including liability insurance to cover property damage and bodily injury. They also offer full-coverage car insurance, which can help pay to repair damage to your vehicle in an accident you caused.
Keep in mind that insurance professionals typically say it’s a good idea to buy more coverage than just your state’s required minimum liability insurance. Minimum coverage doesn’t protect your vehicle in an at-fault accident.
Allstate and GEICO differ slightly in their specialty options and add-on coverages. Understanding these differences can help you choose the insurer that best meets your specific protection needs.Both insurers cover all the essential protection types, with slight differences in specialty coverages.
GEICO offers mechanical breakdown coverage for newer vehicles, while Allstate provides coverage for travel to Mexico. Allstate directly sells rideshare insurance. GEICO doesn’t sell rideshare coverage but partners with other insurance companies that do.
Coverage Type | Allstate | GEICO |
|---|---|---|
| Liability coverage | ✓ | ✓ |
| Collision coverage | ✓ | ✓ |
| Comprehensive coverage | ✓ | ✓ |
| Uninsured/underinsured motorist (UM/UIM) | ✓ | ✓ |
| Personal injury protection (PIP) | ✓ | ✓ |
| Medical payments coverage (MedPay) | ✓ | ✓ |
| Roadside assistance | ✓ | ✓ |
| Rental reimbursement | ✓ | ✓ |
| Gap insurance | ✓ | ✓ |
| Rideshare coverage | ✓ | |
| Classic car insurance | ✓ | ✓ |
| Mechanical breakdown coverage | ✓ | |
| Mexico travel coverage | ✓ |
Car insurance discounts can significantly reduce your premium, sometimes by hundreds of dollars per year. Both companies offer multiple ways to save, though they structure their discount programs differently.
Discount Type | Allstate | GEICO |
|---|---|---|
| Multi-policy bundling | ✓ | ✓ |
| Good driver | ✓ | ✓ |
| Good student | ✓ | ✓ |
| Defensive driving course | ✓ | ✓ |
| Anti-theft device | ✓ | ✓ |
| Safety features | ✓ | ✓ |
| Low mileage | ✓ | ✓ |
| Paid-in-full | ✓ | ✓ |
| Paperless billing | ✓ | ✓ |
| Early signing | ✓ | ✓ |
| New car | ✓ | ✓ |
| Military/federal employee | ✓ | ✓ |
| Multi-car | ✓ | ✓ |
| Telematics program | ✓ | ✓ |
Both companies offer comprehensive discount programs, with Allstate advertising 14 total discounts[3] and GEICO offering 23.[4] The most significant difference lies in their telematics programs, where GEICO clearly states a discount range, but Allstate doesn’t specify your potential savings.
Customer reviews provide valuable insights into how these companies perform when you need them most — during the claims process and for ongoing customer service. Reading experiences from real policyholders can help you understand what to expect.
Here’s what recent customers are saying about their experiences with each company.
The average driver saves up to $867.†
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Usage-based insurance programs use technology to monitor your driving habits and reward safe behaviors with discounts. These programs are particularly valuable for cautious drivers who want to maximize their savings potential.
Both Allstate and GEICO offer telematics programs, but they provide varying levels of savings.
Allstate’s Drivewise program tracks factors like hard braking, rapid acceleration, and nighttime driving through a mobile app. You can get a discount or reward for enrolling in the program. You’ll also receive rewards every six months for driving safely.[5] It also has Milewise, a pay-per-mile program for people who don’t drive often.
GEICO’s DriveEasy program functions similarly, monitoring driving behaviors through its mobile app. The program offers up to 15% off for consistent, safe driving habits.
Both programs ranked above the industry average for customer satisfaction in the J.D. Power 2025 U.S. Auto Insurance Study. But Allstate ranked slightly higher than GEICO.[6]
Here are answers to some of the most commonly asked questions about these two popular insurance companies.
Neither company is universally better than the other. The right choice depends on your specific needs and priorities.
GEICO typically works better for tech-savvy drivers who prefer digital interactions and want competitive rates. Allstate may suit drivers who value local agent relationships and prioritize lower premiums.
The “best” insurer varies by individual circumstances, but our analysis shows State Farm, GEICO, and Allstate consistently rank among the top performers nationally. Each excels in different areas, so the best choice depends on what factors matter most to you — whether that’s price, customer service, or coverage options.
Rate comparisons depend on your specific driver profile, location, and coverage needs. Our data shows Allstate averages $136 per month for full coverage, while GEICO’s national monthly average is $138. The only way to know which is cheaper for you is to compare personalized quotes.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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