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Geico Car Insurance vs. Allstate Car Insurance: Which Is Better?

 If you’re reading this, you’re probably shopping for car insurance. Maybe you are unhappy with how your auto insurance company handled your last claim or you’ve added a teen driver to your policy. Maybe you just want to see if there’s a better deal out there.

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We’ve analyzed average annual car insurance rates from the nine largest car insurance companies in the country so you can compare and find the best deal for your situation. Of course, low rates don't guarantee that you’ll be treated well by your car insurance company, so we also surveyed real customers about their experiences with their insurer.

Allstate and Geico are two of the largest car insurance companies out there, and both are likely on your list of car insurance companies to check out. We’re going to list and compare rates for various situations from both insurers so you can decide which is the best company for you.

Geico and Allstate Car Insurance Rates

In our survey of the top nine car insurance companies in the United States, we found Geico to be among the least expensive and Allstate to be among the most expensive, based on rates for our representative driver profiles. Our analysis found Geico’s overall average auto insurance representative rate was $1,063.10, putting it in second place on our cheapest car insurance list. Allstate was at the other end of the list, in last place with an average auto insurance study rate of $1,777.66. That’s about $700 more than Geico’s average.

Though this comparison focuses mainly on car insurance rates, we also looked at how satisfied car insurance customers are with their auto insurance company. For more information, check out our full ranking of the best car insurance companies and learn about what real customers say about Allstate, Geico, and their competitors.

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Geico vs. Allstate: Pros & Cons

Geico

    • Very low rates

    • Easy to file a claim

    • Good ranking for customer satisfaction

Allstate

    • More expensive than many competitors

    • Customers rate it poorly for value

Geico Auto Insurance Information

The Geico gecko is climbing on sticky feet up the insurance market ladder. In 2017, the company gained .91 points to claim 12.83 percent of the auto insurance market, putting it in second place.

In our survey, Geico scored best with users for the ease of filing an insurance claim. Its lowest score was for overall satisfaction with the value of their auto insurance, with only about a third of respondents giving it top scores. This, even though we separately found that Geico was among the least expensive insurers out there.

Allstate Auto Insurance Information

You’re in good hands with Allstate, but fewer people are choosing car insurance from this company. In 2017, Allstate lost .43 points of its market share and went from being the third-largest to fourth-largest auto insurer in the country, with 9.29 percent of the market.

Like Geico, Allstate’s highest score in our survey was for the ease of filing a claim. Also like Geico, its lowest score was for the value respondents felt they got from their auto insurance. It’s interesting to note that this was the case for one of the most expensive auto insurers (Allstate) and one of the cheapest (Geico).

Geico and Allstate Car Insurance: Which Is Cheapest for Men? 

With Geico, we found an average study rate of $1,120 for our 25-year-old male profiles. For a 35-year-old male profile, our average representative rate with Geico dropped to $1,057. For a 60-year-old, our study found the average rate fell further, to $998.

We found that rates also dropped with Allstate as our male driver profiles aged, but remained at least $675 higher than Geico across all age groups. The difference was greatest for younger driver profiles. For a 25-year-old male profile, we found an average car insurance study rate of $1,991 – about $870 more than with Geico. For a 35-year-old male profile, Allstate’s average dropped to $1,742, which was still about $700 more than we found for driver profiles with Geico. For our 60-year-old profiles, the average was $1,676. That’s still close to $700 more than we found with Geico.

To determine the average study rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

25-year-old male

35-year-old male

60-year-old male

Allstate

$1,991.16

$1,742.19

$1,676.41

Geico

$1,120.01

$1,057.20

$998.26

Geico and Allstate Car Insurance: Which Is Cheapest for Women?

With Geico, our study found average car insurance representative rates for female driver profiles were much the same as they were for our male profiles. Our average study rate for a 25-year-old female profile was $1,160. For a 35-year-old female profile, it was $1,032, and it was $973 for a 60-year-old profile.

As we saw with Geico, Allstate's average auto insurance rates in our study dropped as our driver profiles grew older. We also found the study rates again to be substantially higher with Allstate than with Geico for driver profiles across the board. At 25 years old, the representative rate for our female driver profiles was $1,909, and at 35, the average was $1,760. For a 60-year-old female profile, our study found an average of $1,630. As we found with our male profiles, that’s about $700 more than Geico.

To compare rates by age and gender with different insurers, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

25-year-old female

35-year-old female

M60-year-old female

Allstate

$1,908.47

$1,760.38

$1,629.81

Geico

$1,160.30

$1,031.61

$972.89

Geico and Allstate Car Insurance: Which Is Cheapest for High Mileage? 

For our profiles who drove 12,000 miles each year – a pretty typical amount for many Americans – we found an average study rate of $1,778 with Allstate, and $1,063 with Geico. That’s a difference of more than $700.

To compare how annual mileage can change car insurance representative rates, we created two driver profiles: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

12,000 miles annually

Allstate

$1,777.66

Geico

$1,063.10

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Geico and Allstate Car Insurance: Which Is Cheapest for Low Mileage? 

Our driver profiles who drove half as much, or 6,000 miles a year, didn’t get to pay half as much for car insurance. As a matter of fact, we found the average auto insurance study rates for our low-mileage profiles weren’t much different than for higher-mileage profiles.

With Allstate, the average rate for these profiles was $1,735, compared to $1,005 with Geico. Compared to the study rates for the high-mileage profiles, that’s only about $60 less with Geico, and a savings of $40 with Allstate. But the representative rates for either high or low mileage profiles were about $700 less with Geico than they were with Allstate. 

The profiles with 6,000 miles of annual driving have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

6,000 miles annually

Allstate

$1,735.00

Geico

$1,004.62

Geico and Allstate Car Insurance: Which Is the Cheapest for Good Credit? 

For our driver profiles with good credit, Geico had a cheaper average car insurance representative rate than Allstate by more than $700. Study rates for this group of profiles averaged $1,041 with Geico and $1,793 with Allstate.

Our study confirmed that credit score can have a big impact on car insurance representative rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

Good credit

Allstate

$1,792.73

Geico

$1,041.20

Geico and Allstate Car Insurance: Which Is Cheapest for Bad Credit?

Our sample driver profiles with a poor credit rating paid around $800 more for car insurance with Geico than those with good credit, and around $1,200 more annually with Allstate. Our study found representative rates of $1,853 and $3,011 with Geico and Allstate, respectively. 

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through Allstate and Geico with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Company

Poor credit

Allstate

$3,011.20

Geico

$1,853.45

Geico and Allstate Car Insurance: Which Is Cheapest for Good Drivers?

Having a clean driving record is one of the best ways to keep your car insurance rates low. Insurance companies are happiest when they don’t have to pay claims, so they reward accident-free drivers with lower auto insurance rates. 

With Allstate, the average study rate for our good driver profiles was $1,778. With Geico, the average representative rate for the same group was $1,063, about $700 less than we found with Allstate.

These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis were a 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

Clean record

Allstate

$1,777.66

Geico

$1,063.10

Geico and Allstate Car Insurance: Which Is Cheapest After a Speeding Ticket?

Driving above the speed limit can lead to accidents, and accidents lead to insurance claims. Our study found that with both Allstate and Geico, average car insurance representative rates went up by several hundred dollars for our driver profiles after just one speeding ticket.

With Geico the average car insurance study rate for our driver profiles with a speeding violation on their record went up to $1,356, about $300 more than the rate for those with a clean record. Allstate’s average rate in our analysis went up to $2,079. While that represents a similar increase of about $300, it’s about $700 more than we found for driver profiles with Geico. 

These driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 speeding violation

Allstate

$2,079.37

Geico

$1,356.17

Geico and Allstate Car Insurance: Which Is Cheapest After an Accident?

Compared to our representative driver profiles with a clean record, those with an accident saw average car insurance study rates go up by hundreds of dollars with both Allstate and Geico. With Allstate, the average auto insurance representative rate for our driver profiles with one accident was $2,514. With Geico, it was $1,691. Allstate’s average representative rate for these profiles was about $800 more than the average with Geico.

To compare the rates offered by Allstate and Geico to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Company

With 1 accident

Allstate

$2,514.37

Geico

$1,691.06

Geico and Allstate Car Insurance: Which Is Cheapest After a DUI?

Driving under the influence often leads to crashes, so it’s no surprise that car insurance rates go up significantly for drivers with a DUI conviction on their record. At Allstate, our study found an average auto insurance representative rate of $2,991 for a driver profile with a DUI. That's one of the highest rates in our study for this profile among the top nine insurers.

Geico’s average auto insurance study rate was a bit lower for a driver profile with a DUI conviction: $2,806. But those profiles weren’t getting off easy. That’s almost $1,800 more than Geico’s average representative rate for our driver profiles with a clean record. 

We analyzed car insurance rates for a driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

With 1 DUI

Allstate

$2,990.62

Geico

$2,805.50

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the Best Car Insurance Companies and learn about what real customers say about Allstate, Geico, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. American Family

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates: