June 15, 2021

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Allstate vs. Geico: which is the best provider?

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Between Allstate vs. Geico, which should you pick? We rated Geico the Best Overall for the average driver, but Allstate also offers good auto insurance options. Your decision ultimately comes down to your situation and what you’re looking to get out of your auto insurance provider.

In this article, we’ll compare Allstate and Geico side by side, including each company’s coverage options, cost and customer satisfaction ratings so you can make an informed decision about your next policy.

Picking the right provider isn’t easy, so we’ve reviewed the best car insurance companies to help drivers find good coverage. As you shop around, we recommend getting quotes from multiple companies to find the best deal. Use the free tool below to compare auto insurance quotes from leading companies in your area.

In this article:

  • Comparing Allstate and Geico
  • Allstate vs. Geico coverage
  • Allstate vs. Geico pricing
  • Allstate vs. Geico customer experience
  • Final thoughts
  • Our methodology
Comparing Allstate and Geico

According to data from the National Association of Insurance Commissioners (NAIC), Geico is the second-largest auto insurance provider in the U.S., and Allstate is the fourth-largest. The insurers are evenly matched when it comes to years in business, Better Business Bureau (BBB) ratings and financial strength ratings. However, Geico has a slightly higher financial rating with an A++ from AM Best.

Here are a few highlights for Allstate:

  • Cheaper rates for good drivers
  • Discounts for new cars and multiple policies
  • Usage-based coverage that won’t raise your rates

Geico’s highlights include:

  • Military, federal employee and corporate group discounts
  • Mechanical breakdown insurance (MBI)
  • Cheapest car insurance on average

As you’ll see in this comparison, Geico holds higher ratings than Allstate in some categories. But Allstate provides good coverage for many drivers, particularly those with clean driving records.

Allstate vs. Geico coverage

Whether you need usage-based car insurance in Michigan or full coverage car insurance in California, you can likely find what you need with either Allstate or Geico. Both providers offer the six standard types of auto insurance plus several add-on policy coverages.

Allstate Geico
Bodily Injury Liability (BI)
Property Damage Liability (PD)
Collision
Comprehensive
Medical Payments (MedPay)
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist (UM/UIM)
Roadside Assistance
Rental Car Reimbursement Coverage
Rideshare Insurance
Usage-Based Insurance Available in 19 states*
Travel Expense Coverage
Sound System Insurance
Mechanical Breakdown Insurance

*Accurate at time of publication.

Allstate has optional roadside assistance as well as a membership-based roadside assistance plan. The plan can include trip interruption (depending on the tier you purchase) and is available to non-policyholders. The trip interruption coverage covers food and lodging up to $1,500 if you have an accident or mechanical breakdown. Allstate also offers sound system insurance, which replaces damaged or stolen sound equipment like stereos, speakers and video equipment.

Geico MBI covers repair costs after unexpected breakdowns, which insurance usually doesn’t cover. Similar to an extended car warranty, MBI contracts list which components are and are not covered.

Usage-based insurance comparison

Usage-based programs award discounts based on your driving habits. They can be useful for cautious drivers or for people who don’t drive often. So, how do usage-based programs compare between Allstate vs. Geico? We’ve summarized each auto insurer’s plan below.

Allstate Drivewise® Geico DriveEasy
Device Mobile app or plug-in device Mobile app
Can It Raise Your Rate? No Yes
Availability Most states 19 states
Discount Varies Varies
What It Monitors Safe speed, braking, time of day driven and mileage (plug-in device only) Distracted driving, hard braking, cornering, smoothness, road type, distance driven, time of day and weather

One key difference between the two programs is that Geico’s program may increase your car insurance rates based on your driving habits. In contrast, Allstate’s program awards a discount or none at all, but it won’t raise your base premium.

Allstate vs. Geico pricing

It’s important to find a car insurance quote that fits within your budget. Comparing Allstate vs. Geico, we found that Geico offered cheaper auto insurance on average. We gave Geico 8.5 out of 10.0 points in the cost category in our industry-wide review, while Allstate earned 6.5 points. Geico isn’t only cheaper than Allstate, but it’s also more affordable than other major competitors like State Farm and Progressive.

Why is Geico so much cheaper? The auto insurer offers 17 discounts, and many drivers qualify for multiple discounts.

Allstate Discounts Geico Discounts
Multi-Policy
Multi-Vehicle
New Vehicle
Good Student
Good Driver
Driver’s Education
Defensive Driving
Student Away at School
Anti-Theft Device
Anti-Lock Brakes
Early Signing Discount®
Responsible Payer
Autopay
Pay-in-Full
EZ Pay Plan
Paperless ePolicy
Safe Driving Club
Air Bags
Daytime Running Lights
Anti-Lock Brakes
Anti-Theft System
Passive Restraint
Seat Belt Use
Membership and Employee
Federal Employee
Military Discount
Military Deployment

Keep in mind that auto insurance policy rates depend on your vehicle, location, deductible, driving history, credit score and more.

Allstate vs. Geico customer experience

Allstate and Geico received similar scores in the J.D. Power Auto Claims Satisfaction Study. Allstate earned 876 out of a possible 1,000 points, while Geico earned 871 points. The study polled over 11,000 customers on their experiences with estimates, repairs, rentals and settlements. Overall, most customers report a positive claims experience with both companies.

Customer reviews on the BBB are mostly negative for Allstate and Geico, but this is common in the insurance industry. The number of negative reviews only accounts for a small portion of customers. However, according to data from the NAIC, Allstate and Geico both have a higher number of complaints than the national average.

Geico is more technologically-focused than Allstate, both in its mobile app and website. For example, Geico’s mobile website loads more than three times faster than Allstate’s. Though this may seem like a small point, website speed matters if you’re on the side of the road and need to look up roadside assistance information quickly.

Additionally, Geico’s mobile app reviews on Google Play average to a 4.7-star rating, while reviewers only give Allstate’s mobile app a 2.5-star rating.

Allstate Geico
BBB Customer Review Rating 1.17 out of 5 1.15 out of 5.0
Mobile App iPhone App Store Rating 4.8 out of 5.0 4.8 out of 5.0
Mobile App Google Play Rating 2.5 out of 5.0 4.8 out of 5.0
Final thoughts

After comparing Allstate vs. Geico head to head on reputation, coverage and cost, we gave Geico 9.1 out of a possible 10.0 points and Allstate 8.2 points. For most drivers, Geico is a better auto insurance provider. We also named Geico the Best Overall for car insurance in 2021.

Allstate Geico
Overall Rating 8.2 9.1
Reputation 9.0 9.5
Availability 10.0 10.0
Coverage 8.0 8.5
Cost 6.5 8.5
Customer Experience 7.5 9.0

Other recommendations for car insurance

Although Geico is our No. 1 pick for auto insurance coverage, you may need a different provider based on your needs. The best option overall isn’t necessarily the best option for every driver. USAA and State Farm are two top-rated insurers we highly recommend.

USAA can be a good option for military members and their families. The auto insurance company offers very affordable auto insurance to many drivers, and it comes with a variety of perks. If you’re a young driver, State Farm may be the smarter choice because of its generous student discount and Steer ClearTM program. It also boasts the largest number of local agents nationwide.

To get free, personalized quotes from insurance companies in your area, enter your zip code below.

Our methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Cost: Average auto insurance rates and discount opportunities were both taken into consideration.
  • Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
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