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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.

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 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 are less likely to renew or recommend it

Geico vs. Allstate Customer Satisfaction

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

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

Read more about the Best Car Insurance Companies »

Geico Auto Insurance Rating

Rating: 4.17/5

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

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

Read our full Geico review to learn more »

Allstate Auto Insurance Rating

Rating: 4.10/5

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% of the market.

Like Geico, Allstate’s highest score in our survey was for overall customer service. 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).

It’s also worth noting that Geico was ranked No. 2 by customers who took our survey and Allstate ranked number three, despite having such different average rates in our study. 

Read our full Allstate review to learn more »

How We Did This Comparison

FG Trade / Getty Images

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 rankings 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 2,732 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 285 filed a claim with Geico and 166 filed a claim with Allstate. 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 Rankings 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 study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and 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 and Allstate Car Insurance: Which Is Cheapest?

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. Geico’s overall average auto insurance rate is $1,168, putting it in second place on our cheapest car insurance list. Allstate is at the other end of the list, in ninth place with an average auto insurance rate of $1,880. That’s about $700 more than Geico’s average study rate.

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.

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Read more about the Cheapest Car Insurance Companies »

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

 

25-year-old male

35-year-old male

60-year-old male

Allstate

$2,097

$1,838

$1,763

Geico

$1,269

$1,134

$1,067

 At Geico, the average for a 25-year-old male driver profile is $1,269. For the 35-year-old male driver, Geico’s average study rate drops to $1,134, and for 60-year-olds, the average is $1,067. 

Average auto insurance rates for the 25-year-old male driver profile at Allstate is $2,097. For a 35-year-old, it drops more than $250 to $1,838, and for 60-year-olds, the average is $1,763. Allstate’s rates for more experienced driver profiles are the most expensive in our study, and about $700 more than Geico’s rates.

To find the average rates in our study based on gender and age, we created driver profiles for males 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.

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

 

25-year-old female

35-year-old female

60-year-old female

Allstate

$2,012

$1,854

$1,717

Geico

$1,365

$1,119

$1,053

At Geico, the average car insurance rates for female drivers are much the same as they are for male drivers. The average study rate for a 25-year-old female profile is $1,365. For the 35-year-old driver profile, it’s $1,119, and it's $1,053 for the 60-year-old profile. 

Like Geico, Allstate's average auto insurance rates for these same demographics are close to their male counterparts. At 25 years old, the female driver profile has an average of $2,012, and at 35 years old, this profile had a study rate of $1,854. For our 60-year-old driver profile, the average study rate is $1,717. Allstate again has the most expensive rates in this study for the more experienced driver profiles, with Geico’s rates being at least $650 cheaper. 

We created driver profiles for females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have a clean driving record, 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.

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

 

12,000 miles annually

Allstate

$1,880

Geico

$1,168

Driving 12,000 miles each year is a pretty typical amount for many Americans. Allstate’s average study rate for this profile is $1,880, while Geico’s is $1,168. Drivers with this kind of annual mileage can save about 40% with Geico over Allstate.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 12,000 miles per year. The profiles 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. 

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

 

6,000 miles annually

Allstate

$1,836

Geico

$1,107

Those who drive half as much, 6,000 miles a year, don’t get to pay half as much for car insurance. As a matter of fact, the average auto insurance rates for low-mileage drivers aren’t much different than the rates these two companies charge for higher-mileage drivers.

Allstate’s average insurance rate for this profile is very close to its rate for higher mileage: $1,836. Geico’s is also very close to its rate for higher mileage, at $1,107. Again, drivers with lower mileage could save about 40% with Geico.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 6,000 miles per year. The profiles also 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.

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

 

Good credit

Allstate

$1,901

Geico

$1,175

Geico has the cheaper car insurance rate for drivers with a good credit rating. This driver profile has an average of $1,175 with Geico and $1,901 with Allstate. Yet again, drivers with good credit could save about 40% with Geico, according to our study rates.

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles aged 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 medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

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

 

Poor credit

Allstate

$3,025

Geico

$1,855

Both Allstate and Geico have higher average auto insurance rates for drivers with poor credit. At Geico, the representative average for this driver profile is $1,855, nearly $700 more than its average for the profile with good credit.

For the driver profile with poor credit, Allstate raises its already higher average auto insurance rate to $3,025. That’s about $1,125 more than its study rate for drivers with good credit. It’s also nearly $1,200 more than Geico’s average car insurance rate for this same profile.

To compare the effects of credit score on car insurance rates, we used male and female driver profiles aged 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 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.

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

 

Clean record

Allstate

$1,880

Geico

$1,168

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. Allstate’s average rate for our good driver profile is $1,880. Geico’s average rate for the same profile is $1,168, which is about $700 less than Allstate's study rate.

We compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

With 1 speeding violation

Allstate

$2,212

Geico

$1,510

Driving above the speed limit can lead to accidents, and accidents lead to insurance claims. Both Allstate and Geico raise their average car insurance rates by about $340 dollars for drivers with a speeding ticket.

Geico’s average car insurance rate for the driver profile with a speeding violation goes up to $1,510. Allstate’s average rate goes up to $2,212. That’s about $700 higher than Geico’s study rate for this profile.

To analyze these rates, we particularly looked at driver profiles with one speeding violation. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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

 

With 1 accident

Allstate

$2,673

Geico

$1,802

Compared to drivers with a clean record, those with an accident see their average car insurance rates go up by several hundred dollars with both Allstate and Geico. At Allstate, the average auto insurance rate for a profile with one accident is $2,673. At Geico, the study rate is $1,802. Allstate’s average rate for these drivers is nearly $900 more than the average rate with Geico for this profile.

We analyzed driver profiles with one accident to find these average rates. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Geico and Allstate car insurance: Which Is cheapest after a DUI? 

 

With 1 DUI

Allstate

$3,252

Geico

$2,958

Driving under the influence often leads to crashes, so it’s no surprise that average car insurance rates go up for drivers with a DUI conviction on their record. At Allstate, the average auto insurance rate for a driver profile with a DUI is $3,252. That’s about $1,370 higher than its rate for a clean record. That's the second highest rate for this profile among the top nine insurers.

Geico’s average auto insurance rate is a bit lower than Allstate’s for a driver profile with a DUI conviction: $2,958. But those drivers aren’t getting off easy. That’s around a 150% jump from Geico’s average study rate for a driver profile with a clean record. And it’s only about 10% lower than Allstate’s study rate for a driver with a DUI. 

We compared driver profiles with one instance of driving under the influence (DUI) to arrive at these average rates in our study. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

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

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Car Insurance Hub | Best Car Insurance Companies | Cheapest Car Insurance Companies

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