GEICO vs. Sentry: Which Company is Better in 2022?

So, you're in the market for a new insurance policy. You may have even narrowed down your search to GEICO and Sentry. But which of these two companies is the best one for you? Read on to find which carrier has the best premiums and biggest discounts.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • In general, GEICO offers slightly more affordable rates than Sentry
  • GEICO offers more affordable prices for policyholders who live in suburban areas


GEICO or Sentry: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your car insurance. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might have narrowed your search down to GEICO or Sentry as your top options, but between the two, which one will save you the most?

GEICO Sentry
$185$195

Looking at the national average rates for both carriers, Sentry is around $10 more a month than GEICO.

However, GEICO may not be the most affordable or best option for every driver out there. Auto insurance companies vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and tons of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

Wanting to know if GEICO or Sentry is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

GEICO vs. Sentry: Average Car Insurance Rates by State

State GEICO Sentry
WA$139$209
WI$119$181

GEICO and Sentry only compete against each other in two states, with GEICO offering cheaper rates to the average driver in all of them. Wisconsin has the most noticable difference, where GEICO premiums are $62 less expensive than car insurance prices at Sentry.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your premiums. Continue reading to see how other variables will affect your rates.


Find your best rate in just a few minutes


Which is the Best Company For Young Drivers

GEICO Sentry
18-year-old drivers$369$397
25-year-old drivers$163$186

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. It's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use GEICO save almost 7% per month compared to those who use Sentry. It's worth noting that GEICO offers insurance in 50 different states compared to Sentry's two, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both companies will decrease rates by the time drivers turn 25. Sentry offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, GEICO still has the cheapest premiums at $163 per month.

Which is the Best Company for Retired Drivers?

GEICO Sentry
65+-year-old drivers$148$148

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

But who has the best prices for retired drivers between GEICO and Sentry? In this case, GEICO has the slight edge, with rates about $0 a month less than Sentry. Even so, the difference is only around 5%, so other factors (like your credit score or your driving record) will likely come into play when determining which company has the most affordable prices for you.

Which is the Best Company for Married Drivers?

GEICO Sentry
Single$208$225
Married$154$155

You may not be aware, but car insurance premiums tend to be more expensive for single drivers than they are for married drivers. That's because policies for married policyholders usually cover more than one vehicle, which many carriers will give you a discount for.

If you're in the market for insurance, GEICO tends to have the lowest average prices regardless of marital status, with prices about 1% cheaper for married couples and less expensive for single policyholders.

GEICO or Sentry: Average Rates by Gender

GEICO Sentry
Male$189$205
Female$181$185

You may not know, but car insurance is typically cheaper for women than it is for men. That's because women are less likely to get into collisions and get speeding tickets, which decreases the chances of filing a claim with insurance.

On average, women see premiums around 4% per month less with GEICO, and about 10% less with Sentry.

Looking at the data for each carrier specifically, GEICO comes out as the cheapest option for both genders, with average rates 8% less for men and 2% cheaper for women.


Find your best rate in just a few minutes


GEICO vs. Sentry: Compare State Minimum vs. Full Coverage Rates

GEICO Sentry
State Minimum*$101$104
Full Coverage**$269$286

*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 coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum limits for 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 a month to Sentry's $286.

Is GEICO or Sentry Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO Sentry
Clean Record$115$178
1 Speeding Ticket$150$203

Policyholders who use GEICO for their car insurance can generally expect their monthly bill to go up about 23% after getting a speeding ticket. Sentry policyholders can expect a less drastic increase of around 12%.

That being said, GEICO is typically the more affordable option for both drivers who have a recent ticket and those with clean records, offering premiums that are $63 and $53 less expensive, respectively, compared to Sentry Insurance.

Which Company is Best for Drivers After an Accident?

GEICO Sentry
Clean Record$115$178
1 At-Fault Accident$200$221

After an accident, drivers who have their insurance through GEICO can expect to see about an $85 -- or around 43% -- rise in their auto insurance prices. Drivers who use Sentry for their car insurance will see a monthly bill about $43 (or 19%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, GEICO offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $200 compared to Sentry Insurance's $221.

Which Company is Best for Drivers with a DUI?

GEICO Sentry
Clean Record$115$178
1 DUI$275$178

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. For example, GEICO increases average prices by more than $150 per month -- that's nearly a 60% increase.

Sentry has the overall cheapest premiums for drivers with a DUI on their records at $178 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just two for Sentry, so the data may be skewed slightly.


Find your best rate in just a few minutes


How does Credit Score Impact GEICO and Sentry Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect lots of drivers out there.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

Looking specifically at GEICO and Sentry, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

GEICO Sentry
Excellent Credit Score$131$172
Good Credit Score$164$185

If you have great credit, GEICO will usually reward you the most. For policyholders with "excellent" credit scores, GEICO comes in just under 23.84 cheaper. Drivers with "good" credit scores typically save around 11% with GEICO compared to average rates from Sentry.

Which Company is Best for Drivers with Bad Credit?

GEICO Sentry
Fair Credit Score$197$198
Poor Credit Score$253$225

If you have a below average credit score, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about 1% less with GEICO than Sentry, but those whose credit is considered "poor" have it flipped -- saving around 11% a month with Sentry.


Find your best rate in just a few minutes


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

GEICO Sentry
6,000 Annual Miles$181$195
12,000 Annual Miles$189$195

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Generally, the more milage you put on your car each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Sentry charges. However, there's a small difference in monthly prices for GEICO, with policyholders who drive the least paying about $8 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, GEICO is the less expensive carrier.

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

Where you park your vehicle can play a sizable role in how much you pay for car insurance. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads where they live.

GEICO Sentry
Urban Areas$211$224
Suburban Areas$185$218
Rural Areas$159$143

Looking at these companies side-by-side, GEICO usually comes out as the cheaper option for drivers in urban and suburban areas, while Sentry wins in rural areas.

For policyholders in urban ZIP codes, GEICO's average premiums are around $13 less than Sentry Insurance. People who live in suburban areas pay about $33 less with GEICO compared to Sentry. Those in rural areas can expect to save around $16 with Sentry compared to GEICO.

GEICO vs. Sentry 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. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for 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 compared all of the different discounts offered by GEICO and Sentry so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

GEICO Sentry
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Deployed Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Homeowner Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount

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

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and paid in full discounts. GEICO also offers discounts for ABS, anti-theft, commercial drivers license, and more.

On the other hand, Sentry has a few proprietary discounts of their own like advance quote discounts and homeowner discounts.


Find your best rate in just a few minutes


Final Thoughts: Is GEICO or Sentry Best for You?

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right company for you and your specific driver profile?

GEICO is best for you if....


Sentry is best for you if...

Hopefully, this guide helps you get a better idea of the difference between GEICO and Sentry and that it aids in making a more informed 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 a handful of carriers, not just GEICO and Sentry. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.


Find your best rate in just a few minutes


GEICO vs. Sentry FAQs

Is GEICO or Sentry cheaper?

GEICO is the more affordable of the two carriers when looking at national average premiums, with policies averaging $185 per month with GEICO and $195 for Sentry.

Who is better, GEICO or Sentry?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, GEICO is less expensive for drivers with excellent credit, while Sentry offers more affordable prices for drivers with a recent DUI.

Why do GEICO and Sentry offer me different rates?

Car insurance companies use several different factors when determining the premiums they charge. Things such as gender, your driving record, where you live, age, and sometimes even things like your credit score can all be used. Both GEICO and Sentry calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies 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 information once and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't GEICO or Sentry at all, but another you hadn't even thought of!


Methodology

All data in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of data to determine all of the average rates referenced above. All data is reported by each carrier to statewide insurance bureaus and is up-to-date as of July 1, 2021.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes