Geico vs. Allstate Car Insurance Comparison [2025]
Geico's monthly rates can be found for $66, while Allstate's average monthly rates stand at $105. Geico extends a 15% discount to military personnel, while Allstate may offer a potential 10% discount. Read our Geico vs. Allstate car insurance comparison to decide which option presents the better deal for you.
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Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Dorothea Hudson
Updated December 2023
- Geico and Allstate are top competitors in the car insurance market.
- Depending on who you talk to, you will get different answers on who is cheaper.
- The only way to know for sure which one has a better deal for you is to compare quotes yourself.
Allstate and Geico are two of the top car insurance companies in America. With this as the case, there is a constant battle in the media as well as online as to whether one is cheaper than the other. The answer depends on who you ask.
Both companies, Allstate and Geico, have long histories of clever advertising and marketing. Allstate recently went so far as to mention that Geico customers who switched to Allstate saved money.
The problem is that rates change and depend on so many different factors. It is virtually impossible to hold this company accountable for these claims.
How is it determined whether Geico is cheaper than Allstate?
Some people might wonder how Allstate knows whether its rates are cheaper than Geico’s. According to reviewers, Allstate asks its customers whom they had coverage with before switching over to them. Apparently, some switched over from Geico and based on certain facts, they received a quote that averaged approximately $581 cheaper than what they had been paying.
It could also be a marketing strategy to offer Geico customers cheaper rates simply based on the fact that these are former Geico customers.
The difference could also involve the different programs they both offer to potential customers. It is up to you to determine what your needs are and how valuable each company’s program offers are to you.
For example, if you already know you may be accident prone, you may view Allstate’s “Accident Forgiveness” program as a valuable policy inclusion. If you have a new car, Allstate’s “New Car Replacement” program may also be of value to you. You may have an older car, making Geico’s Mechanical Breakdown Insurance (MBI) something you consider valuable.
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Who says Geico is cheaper than Allstate?
Reviews or people who have actually had one of these carriers, and current subscribers make comments online to those who may inquire.
This is a good way to keep car insurance companies honest in their business practices. Just like there are some people that claim Allstate is cheaper than Geico, there are others still who claim Geico is cheaper than Allstate.
One person commented online that they were sure it is the middle-aged, good driver with the clean credit report who receives the cheaper rates at Geico compared to the same profile given to Allstate representatives.
In other words, if you fit this demographic, you will receive the cheaper rate at Geico.
Is Geico cheaper than Allstate in online quotes?
When you request an online quote, your quote is based on several factors. For an instant quote in minutes, the computer only asks for your zip code and maybe a few general questions.
For this purpose, your quote may not be as accurate as your final quote. This rate is received when you receive your policy.
An online reviewer commented that he received a cheaper quote from Geico when he made an online comparison between the two. Allstate’s quote was more than a hundred dollars greater in this case. There is no way to know the details of his profile to distinguish the determining factors.
Read more: Geico vs. The General Car Insurance Comparison
Is Geico cheaper than Allstate when you consider discounts?
The answer to this question depends on your detailed needs and eligibility. Allstate claims to have more than 40 different discount programs for which you could be eligible.
Geico does not offer a number, but the company offers a long list of discounts. An example of a difference would be a 15% discount offered by Geico to military personnel, and a possible 10% discount offered by Allstate.
The Allstate website does not mention exactly how much of a discount they offer military personnel. Geico also offers the Privileges program, which is basically a retail discount offer through Geico using coupons.
Allstate may offer a different program that may help you save the same amount, more or less. It is all determined by the individual or family in the end.
Either way, it is up to you to determine which company will best meet your car insurance needs for the cheaper rate.
Frequently Asked Questions
What is the difference between Geico and Allstate car insurance?
Geico and Allstate are both well-known car insurance companies, but they differ in several aspects. Geico is known for its competitive rates and a wide range of coverage options, while Allstate emphasizes personalized service and various additional features. Additionally, Geico primarily sells its policies directly to consumers online or over the phone, while Allstate has a network of agents who assist customers in person.
Which company offers better rates, Geico or Allstate?
The rates offered by Geico and Allstate can vary depending on several factors, such as your location, driving history, age, and the type of vehicle you own. Both companies have competitive pricing, but it’s advisable to obtain personalized quotes from each insurer to determine which one offers the best rate for your specific circumstances.
What types of coverage do Geico and Allstate offer?
Geico and Allstate provide a wide range of coverage options to meet various needs. Both offer standard coverages such as liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage. Geico and Allstate also offer additional coverage options like roadside assistance, rental reimbursement, and medical payments coverage.
Do Geico and Allstate offer any discounts?
Yes, both Geico and Allstate offer discounts to help customers save on their car insurance premiums. Geico provides discounts for factors such as safe driving records, vehicle safety features, good student grades, and military service. Allstate offers discounts for safe driving, multiple policies, anti-theft devices, and being a new car owner, among others. It’s recommended to check with each company to see which discounts you may qualify for.
How do Geico and Allstate handle claims?
Geico and Allstate have different claims processes. Geico allows customers to report claims online or over the phone and offers a user-friendly claims center. They assign a claims adjuster to assess the damage and handle the claim. Allstate also allows online or phone reporting of claims and has a network of agents who can assist with the process. Allstate assigns a claims representative to work with you throughout the claim settlement process.
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