Allstate vs. GEICO

GEICO was named the cheapest widely available insurer in our 2025 ranking of the best overall car insurance providers while Allstate was the best for bundling home and auto policies. While GEICO tends to have cheaper rates on average, it’s always a good idea to get quotes from multiple companies since the rates you’re quoted may differ.

Allstate Is Better For:

• Drivers with a financed or leased vehicle
• Those who prioritize customer service and live in California, Florida, New England or the Central, North Central or Southwest regions
• Homeowners

GEICO Is Better For:

• Policyholders who prioritize cost
• Military drivers, due to specific discounts
• Renters

Allstate tends to be more expensive than its main competitors when looking at average costs for various coverage levels and driver profiles while GEICO tends to be one of the cheapest. So, it comes as no surprise that our data shows that GEICO beats Allstate on price across the board. Remember, these rates are averages, so the premiums you’re quoted may differ.

Allstate and GEICO both offer the full range of standard coverage options, which include liability, comprehensive and collision, medical payments, personal injury protection and uninsured/underinsured motorist coverage.

They also have add-on coverages that you have the option of adding to your policy depending on your needs:

Coverage options can vary by state, so if you need a specific add-on coverage, verify what’s available in your area by checking your quote or contacting your agent. Drivers who work for services like Uber, Lyft or DoorDash should note that Allstate offers rideshare coverage, which it calls “Ride for Hire,” while GEICO does not.

In addition, Allstate is worth considering if you’re a homeowner looking to bundle auto and home insurance because it underwrites its own home policies. GEICO, on the other hand, uses third-party insurers for home insurance.

Discounts are a key component of auto insurance policies and can help you save a significant amount on your premium each year. Allstate and GEICO both offer several auto insurance discounts for eligible policyholders, including bundling and good driver discounts.

GEICO also has certain special discounts for members of the military community as well as federal employees. We cover the specific eligibility requirements for these discounts in more detail below.

The following table below provides a full list of the main discounts offered by both companies. Keep in mind that the discounts available vary by state, so always confirm what’s available where you live.

According to various industry studies and data, Allstate’s and GEICO’s customer service ratings are mixed — there is no clear winner in this category but, rather, it depends on the region and the metric. Here’s how the companies compare in key customer experience areas:

Claims Satisfaction

J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study is a good metric for how policyholders feel about their insurers’ claims management process, and Allstate and GEICO are essentially tied in this study. Allstate received a score of 691 while GEICO scored 692.⁴

Meanwhile, the 2024 CRASH Network Report Card, which tracks auto shops’ experiences dealing with insurers, gave Allstate a D+ grade and GEICO a C-. For additional context, none of the 10 largest insurers scored higher than a C+.⁵

Customer Service

According to J.D. Power’s 2024 U.S. Auto Insurance Study, Allstate’s and GEICO’s overall customer satisfaction ratings varied greatly based on region. GEICO won by a wide margin in New York and the Mid-Atlantic and Southeast regions and by a lesser margin in the Northwest and Texas. Meanwhile, Allstate won in California, Florida, New England and the Central, North Central and Southwest regions.

Here is a breakdown of each company’s score (out of 1,000) by region:

Another metric to consider when looking at customer service reputation is the NAIC complaint index, which measures the rate of complaints that a company receives above average. Both companies receive more complaints than average, but GEICO wins in this area. As of 2023 (the most recent data at the time of writing), GEICO had a complaint index of 1.83⁶ while Allstate’s was 3.53.⁷ An index of 1 is considered the expected number of complaints for a company in the market.

Shopping

When it comes to the shopping process, customer sentiment seems to be pretty similar towards both Allstate and GEICO, but Allstate slightly edges out its competitor. In J.D. Power’s 2024 U.S. Insurance Shopping Study, Allstate scored 664 and GEICO scored 656.

Both companies have flexible shopping processes, allowing customers to get quotes and purchase policies online or on the phone with an agent.

Customers of both Allstate and GEICO can take advantage of the companies’ respective online tools, including online platforms and mobile apps. These tools allow policyholders to file claims, access policy information, get roadside assistance and more. The apps are tied when it comes to their iOS rating, but GEICO has a higher rating for Android users. Here’s a breakdown of each app:

Meanwhile, J.D. Power’s 2024 U.S. Insurance Digital Experience Study indicates that customers are more satisfied with Allstate’s digital tools. In the service category, it scored 713 while GEICO only scored 668. The scores were more similar in the shopping category, with Allstate receiving a score of 521 to GEICO’s 519.⁸

Allstate and GEICO are matched closely in terms of overall customer service reputation and financial stability ratings. However, depending on your region, you may want to prioritize one or the other if you value customer service. For example, GEICO has a much better customer experience reputation in New York while Allstate is better in the Southwest.

One of GEICO’s notable downsides is that it does not offer gap coverage, which may be a dealbreaker if you lease or finance your vehicle. It also does not offer rideshare coverage. Allstate sells both of these coverages.

Both companies offer accident forgiveness, but Allstate only offers the option to purchase it. With GEICO, you may earn it if you meet certain requirements automatically, including being insured with GEICO and accident-free for at least five years.

Cost is a major factor in car insurance and most drivers, including those with violations on their record or low credit, will likely find lower rates from GEICO. The company also offers certain discounts specifically for the military community and federal employees, so if you are eligible, you may get an even better rate. However, rates vary greatly based on several factors, so always get personalized quotes from several companies before purchasing.

At AutoInsurance.com, we use four key factors to evaluate auto insurers:

• Price (40 percent): We analyze average premiums for both full and minimum coverage for a standard driving profile of a good driver with good credit. We also looked at rates for other driver profiles, including those with violations or low credit. We also consider discounts available. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims handling (25 percent): An auto insurer’s claims handling process should be quick, transparent and efficient, with clear communication, fair evaluation of damages and timely payment or resolution. We assess claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report and financial strength from sources like AM Best and S&P Ratings. We also include real-life customer experiences when possible.
• Customer experience (25 percent): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings and app store reviews.
• Coverage options (10 percent): We review each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, such as accident forgiveness, gap coverage, rideshare coverage and more.

Read more about our ratings and methodology.