Geico vs Allstate
type: Article
description: Geico offers lower average premiums and higher customer satisfaction ratings (3.9/5 vs 3.8/5), while Allstate provides more comprehensive coverage options including gap insurance, new-car replacement, and pay-per-mile pricing through Milewise. Geico excels in affordability while Allstate focuses on coverage flexibility and agent-based support.
language: en-US
date published: 2026-04-25T09:00:21.821Z
date created: 2026-04-25T09:00:21.821Z
date modified: 2026-07-28T09:00:14.662Z
content reference time: 2026-07-28T09:00:14.662Z
author: A Versus B
publisher: A Versus B
about: Geico
about: Allstate
abstract: Geico offers lower average premiums and higher customer satisfaction ratings (3.9/5 vs 3.8/5), while Allstate provides more comprehensive coverage options including gap insurance, new-car replacement, and pay-per-mile pricing through Milewise. Geico excels in affordability while Allstate focuses on coverage flexibility and agent-based support.
text: Overall Customer Rating. WalletHub Editor Score. Telematics Program. Gap Insurance Coverage. Pay-Per-Mile Option. New-Car Replacement Coverage. Average Premium Cost. Distribution Model
conclusion text: Geico is the superior choice for price-conscious consumers seeking lower premiums and strong online support, with higher customer satisfaction scores. Allstate better serves drivers needing comprehensive coverage options and personalized agent assistance, despite higher costs. The choice depends on whether you prioritize affordability (Geico) or coverage flexibility and local support (Allstate).
additional property: National Company Ranking (2026)
  type: PropertyValue
  value: Geico: #4 | Allstate: N/A
additional property: Q1 2026 Net Income
  type: PropertyValue
  value: Geico: Not disclosed at comparable detail | Allstate: Lower growth reported
additional property: Combined Ratio (Claims Efficiency)
  type: PropertyValue
  value: Geico: Not publicly comparable | Allstate: N/A
additional property: Premium Growth Rate (2026)
  type: PropertyValue
  value: Geico: Market standard growth | Allstate: N/A
additional property: Average Rate vs National Average
  type: PropertyValue
  value: Geico: Below national average with superior discounts | Allstate: N/A
additional property: Gender Rate Variance (Widest Gap)
  type: PropertyValue
  value: Geico: Men 13.6% vs Women 10.3% = 3.3 point gap | Allstate: N/A
additional property: Telematics/Usage-Based Program
  type: PropertyValue
  value: Geico: Limited traditional monitoring programs | Allstate: N/A
additional property: Rate Stability (2026)
  type: PropertyValue
  value: Geico: Significant increases (700k+ Florida customers April 2026) | Allstate: N/A
additional property: 2025 Net Income
  type: PropertyValue
  value: Geico: Not publicly disclosed separately | Allstate: N/A
additional property: Available Discounts
  type: PropertyValue
  value: Geico: More comprehensive | Allstate: N/A
additional property: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value: Geico: Standard pricing | Allstate: N/A
additional property: Geographic Coverage
  type: PropertyValue
  value: Geico: All 50 states | Allstate: N/A
additional property: Service Model
  type: PropertyValue
  value: Geico: Digital-only | Allstate: N/A
additional property: Rate Reductions Announced 2026
  type: PropertyValue
  value: Geico: Limited announcements | Allstate: N/A
additional property: Claims Processing
  type: PropertyValue
  value: Geico: Fully digital | Allstate: N/A
additional property: Overall Customer Rating
  type: PropertyValue
  value: Geico: 3.9 out of 5 | Allstate: 3.8 out of 5
  value reference: Geico
additional property: WalletHub Editor Rating
  type: PropertyValue
  value: Geico: 4.4 out of 5 | Allstate: 3.0 out of 5
  value reference: Geico
additional property: Telematics Rate Increase Risk
  type: PropertyValue
  value: Geico: Can increase at renewal | Allstate: Cannot increase rates
additional property: Gap Insurance Availability
  type: PropertyValue
  value: Geico: Not offered | Allstate: Offered
additional property: Pay-Per-Mile Coverage
  type: PropertyValue
  value: Geico: Not available | Allstate: Milewise available
additional property: Distribution Channels
  type: PropertyValue
  value: Geico: Online, phone, mobile app | Allstate: Agents, online, phone, mobile
additional property: New-Car Replacement Coverage
  type: PropertyValue
  value: Geico: Not offered | Allstate: Offered
additional property: Average Annual Premium
  type: PropertyValue
  value: Geico: $2,053 per year | Allstate: Above national average
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: Geico: 4.3 out of 5 | Allstate: N/A
additional property: Membership Eligibility
  type: PropertyValue
  value: Geico: All drivers | Allstate: N/A
additional property: Coverage Types Available
  type: PropertyValue
  value: Geico: Auto Insurance Only | Allstate: N/A
additional property: Premium Reduction Rate (2026)
  type: PropertyValue
  value: Geico: Stable competitive pricing | Allstate: N/A
additional property: Mental Market Share (MMS)
  type: PropertyValue
  value: Geico: ~12% | Allstate: N/A
additional property: Loan Rate Competitiveness
  type: PropertyValue
  value: Geico: Auto-only (N/A) | Allstate: N/A
additional property: Home/Auto Bundling Discount
  type: PropertyValue
  value: Geico: Not available | Allstate: N/A
additional property: Minimum Coverage Monthly Rate
  type: PropertyValue
  value: Geico: $66 | Allstate: N/A
additional property: Full Coverage Annual Cost
  type: PropertyValue
  value: Geico: $2,053 | Allstate: N/A
additional property: Customer Rating
  type: PropertyValue
  value: Geico: 4.5 out of 5 | Allstate: N/A
additional property: WalletHub Rating
  type: PropertyValue
  value: Geico: 4.3 out of 5 | Allstate: N/A
additional property: Years in Business
  type: PropertyValue
  value: Geico: 85+ | Allstate: N/A
additional property: Maximum Safe Driver Discount
  type: PropertyValue
  value: Geico: Multiple offers | Allstate: N/A
additional property: Number of Coverage Types
  type: PropertyValue
  value: Geico: 1 (auto only) | Allstate: N/A
additional property: Market Presence (MMS)
  type: PropertyValue
  value: Geico: ~12% | Allstate: N/A
additional property: Average Annual Premium (Auto Insurance)
  type: PropertyValue
  value: Geico: $950 | Allstate: N/A
additional property: Coverage Types Offered
  type: PropertyValue
  value: Geico: Auto, Home, Life, Umbrella, RV, more | Allstate: N/A
additional property: Customer Service Channels
  type: PropertyValue
  value: Geico: Phone, Local Agents, Chat, Mobile App | Allstate: N/A
additional property: Founded Year
  type: PropertyValue
  value: Geico: 1936 | Allstate: N/A
additional property: Average Annual Premium (Safe Driver)
  type: PropertyValue
  value: Geico: $1,247 | Allstate: N/A
additional property: Average Claims Processing Time
  type: PropertyValue
  value: Geico: 1.5 days | Allstate: N/A
additional property: Bundle Discount Available
  type: PropertyValue
  value: Geico: Yes (up to 25%) | Allstate: N/A
additional property: Customer Service Hours
  type: PropertyValue
  value: Geico: 24/7 | Allstate: N/A
additional property: Telematics Program Offered
  type: PropertyValue
  value: Geico: Yes (optional - DriveEasy) | Allstate: N/A
additional property: Quote Generation Time
  type: PropertyValue
  value: Geico: 10 minutes | Allstate: N/A
additional property: Average Annual Premium
  type: PropertyValue
  value: Geico: $1,400 | Allstate: N/A
additional property: Quote Processing Time
  type: PropertyValue
  value: Geico: 7 | Allstate: N/A
additional property: Policy Approval Time
  type: PropertyValue
  value: Geico: 24-48 | Allstate: N/A
additional property: Number of Discounts
  type: PropertyValue
  value: Geico: 27 | Allstate: N/A
additional property: Credit Check Required
  type: PropertyValue
  value: Geico: Yes (standard) | Allstate: N/A
additional property: States Available
  type: PropertyValue
  value: Geico: 51 | Allstate: N/A
additional property: Average Auto Insurance Premium (Annual)
  type: PropertyValue
  value: Geico: $1,380 | Allstate: N/A
interactivity type: active
significant link: https://www.aversusb.net/entity/geico
significant link: https://www.aversusb.net/alternatives/geico
significant link: https://www.aversusb.net/entity/allstate
significant link: https://www.aversusb.net/alternatives/allstate
significant link: https://www.aversusb.net/api/answer/allstate-vs-geico
significant link: https://www.aversusb.net/api/v1/schema/allstate-vs-geico
related link: https://www.aversusb.net/compare/geico-vs-usaa
related link: https://www.aversusb.net/compare/farmers-insurance-vs-state-farm
teaches: How to choose between Geico and Allstate
genre: Insurance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Geico vs Allstate — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Geico
type: Thing
language: en-US
description: Major national auto insurer known for digital convenience and competitive rates
subject of: Geico vs Allstate

Allstate
type: Thing
language: en-US
description: Large personal insurance provider with extensive agent network and comprehensive digital platform.
subject of: Geico vs Allstate

Geico vs Allstate — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Geico vs Allstate. Contains 94 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: National Company Ranking (2026)
  type: PropertyValue
  value reference: Company Performance
variable measured: Q1 2026 Net Income
  type: PropertyValue
  value reference: Financial Health
variable measured: Combined Ratio (Claims Efficiency)
  type: PropertyValue
  value reference: Operational Efficiency
variable measured: Premium Growth Rate (2026)
  type: PropertyValue
  value reference: Company Growth
variable measured: Average Rate vs National Average
  type: PropertyValue
  value reference: Pricing
variable measured: Gender Rate Variance (Widest Gap)
  type: PropertyValue
  value reference: Pricing Equity
variable measured: Telematics/Usage-Based Program
  type: PropertyValue
  value reference: Discount Features
variable measured: Rate Stability (2026)
  type: PropertyValue
  value reference: Customer Experience
variable measured: 2025 Net Income
  type: PropertyValue
  value reference: Financial Performance
variable measured: Available Discounts
  type: PropertyValue
  value reference: Pricing & Discounts
variable measured: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value reference: Pricing & Discounts
variable measured: Geographic Coverage
  type: PropertyValue
  value reference: Coverage
variable measured: Service Model
  type: PropertyValue
  value reference: Service
variable measured: Rate Reductions Announced 2026
  type: PropertyValue
  value reference: Financial Performance
variable measured: Claims Processing
  type: PropertyValue
  value reference: Service Quality
variable measured: Overall Customer Rating
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: WalletHub Editor Rating
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: Telematics Rate Increase Risk
  type: PropertyValue
  value reference: Coverage Features
variable measured: Gap Insurance Availability
  type: PropertyValue
  value reference: Coverage Features
variable measured: Pay-Per-Mile Coverage
  type: PropertyValue
  value reference: Coverage Features
variable measured: Distribution Channels
  type: PropertyValue
  value reference: Customer Support
variable measured: New-Car Replacement Coverage
  type: PropertyValue
  value reference: Coverage Features
variable measured: Average Annual Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Satisfaction Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Membership Eligibility
  type: PropertyValue
  value reference: Accessibility
variable measured: Coverage Types Available
  type: PropertyValue
  value reference: Coverage
variable measured: Premium Reduction Rate (2026)
  type: PropertyValue
  value reference: Value
variable measured: Mental Market Share (MMS)
  type: PropertyValue
  value reference: Brand
variable measured: Loan Rate Competitiveness
  type: PropertyValue
  value reference: Financial Products
variable measured: Home/Auto Bundling Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Minimum Coverage Monthly Rate
  type: PropertyValue
  value reference: Pricing
variable measured: Full Coverage Annual Cost
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Rating
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: WalletHub Rating
  type: PropertyValue
  value reference: Third-Party Review
variable measured: Years in Business
  type: PropertyValue
  value reference: Brand Heritage
variable measured: Maximum Safe Driver Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Number of Coverage Types
  type: PropertyValue
  value reference: Coverage
variable measured: Market Presence (MMS)
  type: PropertyValue
  value reference: Market Share
variable measured: Average Annual Premium (Auto Insurance)
  type: PropertyValue
  value reference: Cost
variable measured: Coverage Types Offered
  type: PropertyValue
  value reference: Products
variable measured: Customer Service Channels
  type: PropertyValue
  value reference: Support
variable measured: Founded Year
  type: PropertyValue
  value reference: Company Background
variable measured: Average Annual Premium (Safe Driver)
  type: PropertyValue
  value reference: Pricing
variable measured: Average Claims Processing Time
  type: PropertyValue
  value reference: Claims
variable measured: Bundle Discount Available
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Service Hours
  type: PropertyValue
  value reference: Support
variable measured: Telematics Program Offered
  type: PropertyValue
  value reference: Technology
variable measured: Quote Generation Time
  type: PropertyValue
  value reference: Digital Experience
variable measured: Average Annual Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Quote Processing Time
  type: PropertyValue
  value reference: Speed
variable measured: Policy Approval Time
  type: PropertyValue
  value reference: Speed
variable measured: Number of Discounts
  type: PropertyValue
  value reference: Value
variable measured: Credit Check Required
  type: PropertyValue
  value reference: Requirements
variable measured: States Available
  type: PropertyValue
  value reference: Coverage Area
variable measured: Average Auto Insurance Premium (Annual)
  type: PropertyValue
  value reference: Pricing
variable measured: Quote Completion Time
  type: PropertyValue
  value reference: Digital Experience
variable measured: Available Coverage Types
  type: PropertyValue
  value reference: Coverage
variable measured: Agent Availability
  type: PropertyValue
  value reference: Customer Service
variable measured: Number of Available Discounts
  type: PropertyValue
  value reference: Discounts
variable measured: States Served
  type: PropertyValue
  value reference: Availability
variable measured: Average Premium (Good Driver, 6-month)
variable measured: Online Quote Time
variable measured: Mobile App Rating
variable measured: Customer Satisfaction Score
variable measured: Claims Processing Time
variable measured: Specialty: High-Risk Drivers
variable measured: Local Agent Availability
variable measured: Net Income (2025)
variable measured: Average Premium Rates
is based on: https://www.aversusb.net/compare/allstate-vs-geico

Geico vs Allstate — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Geico vs Allstate.
has defined term: Company Performance
has defined term: Financial Health
has defined term: Operational Efficiency
has defined term: Company Growth
has defined term: Pricing
has defined term: Pricing Equity
has defined term: Discount Features
has defined term: Customer Experience
has defined term: Financial Performance
has defined term: Pricing & Discounts
has defined term: Coverage
has defined term: Service
has defined term: Service Quality
has defined term: Customer Satisfaction
has defined term: Coverage Features
has defined term: Customer Support
has defined term: Accessibility
has defined term: Value
has defined term: Brand
has defined term: Financial Products
has defined term: Discounts
has defined term: Third-Party Review
has defined term: Brand Heritage
has defined term: Market Share
has defined term: Cost
has defined term: Products
has defined term: Support
has defined term: Company Background
has defined term: Claims
has defined term: Technology
has defined term: Digital Experience
has defined term: Speed
has defined term: Requirements
has defined term: Coverage Area
has defined term: Customer Service
has defined term: Availability
has defined term: User Experience
has defined term: Satisfaction
has defined term: Service Speed
has defined term: Underwriting
has defined term: Service Model
has defined term: Coverage Options
has defined term: Offerings
has defined term: Savings
has defined term: Policyholder Benefits
has defined term: Business Growth
has defined term: Market Size
has defined term: Quality Metrics
has defined term: Service Distribution
has defined term: Product Offering
has defined term: Financial Stability
has defined term: Product Offerings

Company Performance
type: DefinedTerm
term code: company-performance
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Financial Health
type: DefinedTerm
term code: financial-health
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Operational Efficiency
type: DefinedTerm
term code: operational-efficiency
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Company Growth
type: DefinedTerm
term code: company-growth
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Pricing Equity
type: DefinedTerm
term code: pricing-equity
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Discount Features
type: DefinedTerm
term code: discount-features
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Pricing & Discounts
type: DefinedTerm
term code: pricing-&-discounts
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Coverage
type: DefinedTerm
term code: coverage
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Service
type: DefinedTerm
term code: service
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Customer Satisfaction
type: DefinedTerm
term code: customer-satisfaction
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Coverage Features
type: DefinedTerm
term code: coverage-features
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Customer Support
type: DefinedTerm
term code: customer-support
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Value
type: DefinedTerm
term code: value
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Brand
type: DefinedTerm
term code: brand
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Financial Products
type: DefinedTerm
term code: financial-products
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Discounts
type: DefinedTerm
term code: discounts
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Third-Party Review
type: DefinedTerm
term code: third-party-review
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Brand Heritage
type: DefinedTerm
term code: brand-heritage
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Market Share
type: DefinedTerm
term code: market-share
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Cost
type: DefinedTerm
term code: cost
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Products
type: DefinedTerm
term code: products
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Support
type: DefinedTerm
term code: support
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Company Background
type: DefinedTerm
term code: company-background
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Claims
type: DefinedTerm
term code: claims
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Technology
type: DefinedTerm
term code: technology
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Digital Experience
type: DefinedTerm
term code: digital-experience
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Speed
type: DefinedTerm
term code: speed
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Requirements
type: DefinedTerm
term code: requirements
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Coverage Area
type: DefinedTerm
term code: coverage-area
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Customer Service
type: DefinedTerm
term code: customer-service
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Availability
type: DefinedTerm
term code: availability
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

User Experience
type: DefinedTerm
term code: user-experience
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Satisfaction
type: DefinedTerm
term code: satisfaction
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Service Speed
type: DefinedTerm
term code: service-speed
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Underwriting
type: DefinedTerm
term code: underwriting
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Service Model
type: DefinedTerm
term code: service-model
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Coverage Options
type: DefinedTerm
term code: coverage-options
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Offerings
type: DefinedTerm
term code: offerings
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Savings
type: DefinedTerm
term code: savings
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Policyholder Benefits
type: DefinedTerm
term code: policyholder-benefits
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Business Growth
type: DefinedTerm
term code: business-growth
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Market Size
type: DefinedTerm
term code: market-size
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Quality Metrics
type: DefinedTerm
term code: quality-metrics
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Service Distribution
type: DefinedTerm
term code: service-distribution
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Product Offering
type: DefinedTerm
term code: product-offering
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Financial Stability
type: DefinedTerm
term code: financial-stability
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

Product Offerings
type: DefinedTerm
term code: product-offerings
in defined term set: Geico vs Allstate — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-28T09:00:14.662Z
author: A Versus B
publisher: A Versus B
is part of: allstate-vs-geico
main entity: Is Allstate or GEICO cheaper?
  type: Question
  accepted answer: Answer
    text: GEICO is typically cheaper than Allstate for most driver profiles. GEICO's direct-to-consumer model (no agent network) reduces overhead, which is passed to customers as lower premiums. NerdWallet and Bankrate rate analyses consistently rank GEICO among the 3-5 cheapest major U.S. auto insurers. Allstate's agent network adds service value but also costs more. Rate differences are individual — your specific driving record, credit score, vehicle, location, and coverage levels produce quotes that can vary significantly from averages. Getting quotes from both (plus State Farm, Progressive, USAA if eligible) is the reliable approach.
    language: en-US
main entity: Does Allstate have local agents?
  type: Question
  accepted answer: Answer
    text: Yes. Allstate distributes primarily through approximately 10,000 exclusive Allstate agents plus independent agents — customers typically work with a specific local agent who handles their policies, coverage recommendations, and claims support. This is Allstate's differentiator from GEICO, which is exclusively direct (website/phone/app, no agent network). For customers who want a dedicated advisor for annual coverage reviews, complex coverage situations (umbrella policies, high-value collectibles, home bundling), Allstate's agent model offers genuine service value.
    language: en-US
main entity: Is GEICO or Allstate better for claims?
  type: Question
  accepted answer: Answer
    text: Both companies have above-average claims processing capabilities. GEICO's mobile-first claims workflow (photo uploads, real-time status tracking) is well-regarded for straightforward claims. Allstate's Quickfoto Claim (AI damage assessment) and ClaimRateguard are notable features. In J.D. Power's claims satisfaction studies, both companies score near the industry average, with regional variation. Allstate's agent network can provide claims advocacy (filing on your behalf, resolving disputes with adjusters), which GEICO's direct model doesn't offer. For complex or disputed claims, having an agent in your corner is valuable.
    language: en-US
main entity: What discounts does GEICO offer?
  type: Question
  accepted answer: Answer
    text: GEICO offers a broad range of discounts: multi-policy (bundling auto with renters, homeowners, condo), multi-vehicle (insuring 2+ vehicles), good driver (5-year accident-free), good student (B average or better), military (active duty, veterans, National Guard), federal employee, emergency deployment, seat belt use, and anti-theft device discounts. GEICO's website lists 16+ discount categories. Bundling auto with homeowners (underwritten by third-party carriers through GEICO's referral network) typically generates 5-10% discounts on the auto policy.
    language: en-US
main entity: Can you switch from Allstate to GEICO mid-policy?
  type: Question
  accepted answer: Answer
    text: Yes — you can switch auto insurance carriers at any time, including mid-policy. If you switch before your Allstate policy expires, Allstate typically provides a prorated refund for unused premium days. Call GEICO, get a quote, bind the new policy with an effective date, then cancel your Allstate policy effective the same date to avoid a coverage gap. Make sure your new policy is active before canceling the old one. Early cancellation fees are uncommon in personal auto insurance but check your Allstate policy for any cancellation provisions.
    language: en-US

How to Choose Between Geico and Allstate
type: HowTo
description: Geico offers lower average premiums and higher customer satisfaction ratings (3.9/5 vs 3.8/5), while Allstate provides more comprehensive coverage options including gap insurance, new-car replacement, and pay-per-mile pricing through Milewise. Geico excels in affordability while Allstate focuses on coverage flexibility and agent-based support.
language: en-US
total time: PT3M
step: Consider: Overall Customer Rating
step: Consider: WalletHub Editor Score
step: Consider: Telematics Program
step: Consider: Gap Insurance Coverage
step: Consider: Pay-Per-Mile Option
step: Consider: New-Car Replacement Coverage
step: Consider: Average Premium Cost
step: Consider: Distribution Model
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Geico is the superior choice for price-conscious consumers seeking lower premiums and strong online support, with higher customer satisfaction scores. Allstate better serves drivers needing comprehensive coverage options and personalized agent assistance, despite higher costs. The choice depends on whether you prioritize affordability (Geico) or coverage flexibility and local support (Allstate).

Consider: Overall Customer Rating
type: HowToStep
position: 1
text: Overall Customer Rating: Geico has 3.9 out of 5, while Allstate has 3.8 out of 5.

Consider: WalletHub Editor Score
type: HowToStep
position: 2
text: WalletHub Editor Score: Geico has 4.4 out of 5 stars, while Allstate has 3.0 out of 5 stars.

Consider: Telematics Program
type: HowToStep
position: 3
text: Telematics Program: Geico has DriveEasy (can raise rates at renewal), while Allstate has Drivewise (cashback, cannot raise rates).

Consider: Gap Insurance Coverage
type: HowToStep
position: 4
text: Gap Insurance Coverage: Geico has Not offered, while Allstate has Offered.

Consider: Pay-Per-Mile Option
type: HowToStep
position: 5
text: Pay-Per-Mile Option: Geico has Not available, while Allstate has Milewise available.

Consider: New-Car Replacement Coverage
type: HowToStep
position: 6
text: New-Car Replacement Coverage: Geico has Not offered, while Allstate has Offered.

Consider: Average Premium Cost
type: HowToStep
position: 7
text: Average Premium Cost: Geico has Below national average, while Allstate has Above national average.

Consider: Distribution Model
type: HowToStep
position: 8
text: Distribution Model: Geico has Direct online/phone, while Allstate has Nationwide agent network.

claimreview
type: ClaimReview
language: en-US
is accessible for free: true
conditions of access: Free
claim reviewed: Geico is better than Allstate
review body: Geico offers lower average premiums and higher customer satisfaction ratings (3.9/5 vs 3.8/5), while Allstate provides more comprehensive coverage options including gap insurance, new-car replacement, and pay-per-mile pricing through Milewise. Geico excels in affordability while Allstate focuses on coverage flexibility and agent-based support.
date published: 2026-04-25
date modified: 2026-07-28
review rating: Rating
  rating: MIXTURE
  best rating: TRUE
  worst rating: FALSE
  alternate name: Depends on use case — see analysis
author: A Versus B
publisher: A Versus B
item reviewed: Geico is better than Allstate
  type: Claim
  language: en-US
  text: Geico offers lower average premiums and higher customer satisfaction ratings (3.9/5 vs 3.8/5), while Allstate provides more comprehensive coverage options including gap insurance, new-car replacement, and pay-per-mile pricing through Milewise. Geico excels in affordability while Allstate focuses on
  author: Internet consensus
  appearance: allstate-vs-geico
  first appearance: allstate-vs-geico

Quote Completion Time
type: PropertyValue
value: Geico: 4 | Allstate: N/A

Available Coverage Types
type: PropertyValue
value: Geico: 6 types | Allstate: N/A

Agent Availability
type: PropertyValue
value: Geico: 24/7 with local agents | Allstate: N/A

Number of Available Discounts
type: PropertyValue
value: Geico: 15 | Allstate: N/A

States Served
type: PropertyValue
value: Geico: 50 states | Allstate: N/A

Average Premium (Good Driver, 6-month)
type: PropertyValue
value: Geico: $1,180 | Allstate: N/A

Online Quote Time
type: PropertyValue
value: Geico: 5-15 minutes | Allstate: N/A

Mobile App Rating
type: PropertyValue
value: Geico: 4.6/5 | Allstate: 4.5
value reference: Geico

Customer Satisfaction Score
type: PropertyValue
value: Geico: 82/100 | Allstate: 79
value reference: Geico

Claims Processing Time
type: PropertyValue
value: Geico: 2-3 days | Allstate: N/A

Specialty: High-Risk Drivers
type: PropertyValue
value: Geico: Standard underwriting only | Allstate: N/A

Local Agent Availability
type: PropertyValue
value: Geico: Phone/online only | Allstate: N/A

Net Income (2025)
type: PropertyValue
value: Geico: N/A | Allstate: Allstate

Average Premium Rates
type: PropertyValue
value: Geico: N/A | Allstate: Higher

Add-On Coverage Availability
type: PropertyValue
value: Geico: N/A | Allstate: Extensive (gap coverage, etc.)

Price Transparency Rating
type: PropertyValue
value: Geico: N/A | Allstate: Moderate

Product Diversity
type: PropertyValue
value: Geico: N/A | Allstate: Focused

Discount Programs
type: PropertyValue
value: Geico: N/A | Allstate: Competitive

Digital Platform Ease of Use
type: PropertyValue
value: Geico: N/A | Allstate: User-friendly

Dividend Payout Status (2026)
type: PropertyValue
value: Geico: N/A | Allstate: Standard dividend

Combined Ratio
type: PropertyValue
value: Geico: N/A | Allstate: Not disclosed

Premium Growth Rate
type: PropertyValue
value: Geico: N/A | Allstate: Stable growth

Net Premiums Written (Q1 2026)
type: PropertyValue
value: Geico: N/A | Allstate: Comparable market share

Consumer Review Ratings
type: PropertyValue
value: Geico: N/A | Allstate: Good (slightly lower)

Insurify Quality Score
type: PropertyValue
value: Geico: N/A | Allstate: Slightly higher score

Local Agent Availability
type: PropertyValue
value: Geico: N/A | Allstate: Extensive nationwide network

Digital Platform Experience
type: PropertyValue
value: Geico: N/A | Allstate: Good, traditional approach

Average Annual Auto Insurance Premium
type: PropertyValue
value: Geico: N/A | Allstate: $1,389

Claims Processing Speed
type: PropertyValue
value: Geico: N/A | Allstate: 2-4 days

Geographic Coverage
type: PropertyValue
value: Geico: N/A | Allstate: 50

Multi-Policy Bundle Discount
type: PropertyValue
value: Geico: N/A | Allstate: Up to 25%

Coverage Types Available
type: PropertyValue
value: Geico: N/A | Allstate: 5 (Auto, Home, Life, Umbrella, Business)

Annual Homeowners Premium (Average)
type: PropertyValue
value: Geico: N/A | Allstate: $1,500

Auto Insurance Premium (Annual Average)
type: PropertyValue
value: Geico: N/A | Allstate: $1,100

Agent Network Size
type: PropertyValue
value: Geico: N/A | Allstate: 10,000

Available Discounts
type: PropertyValue
value: Geico: N/A | Allstate: 20

A.M. Best Financial Rating
type: PropertyValue
value: Geico: N/A | Allstate: A (Excellent)

Digital Platform Capabilities
type: PropertyValue
value: Geico: N/A | Allstate: Excellent - comprehensive mobile app and tools

Commercial Insurance Coverage
type: PropertyValue
value: Geico: N/A | Allstate: Limited offerings

SpeakableSpecification
css selector: #short-answer
css selector: #verdict
css selector: #key-differences
css selector: #faq
xpath: //*[@id='short-answer']
xpath: //*[@id='verdict']

Geico — Wikipedia
type: CreativeWork

Allstate — Wikipedia
type: CreativeWork

Compare Geico vs Allstate
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/allstate-vs-geico
object: Geico
object: Allstate

Average Premium (Good Driver, 6-month)
type: PropertyValue
value reference: Pricing

Online Quote Time
type: PropertyValue
value reference: Digital Experience

Mobile App Rating
type: PropertyValue
value reference: User Experience

Customer Satisfaction Score
type: PropertyValue
value reference: Satisfaction

Claims Processing Time
type: PropertyValue
value reference: Service Speed

Specialty: High-Risk Drivers
type: PropertyValue
value reference: Underwriting

Local Agent Availability
type: PropertyValue
value reference: Service Model

Net Income (2025)
type: PropertyValue
value reference: Financial Performance

Average Premium Rates
type: PropertyValue
value reference: Cost

Add-On Coverage Availability
type: PropertyValue
value reference: Coverage Options

Price Transparency Rating
type: PropertyValue
value reference: Customer Experience

Product Diversity
type: PropertyValue
value reference: Offerings

Discount Programs
type: PropertyValue
value reference: Savings

Digital Platform Ease of Use
type: PropertyValue
value reference: Customer Experience

Dividend Payout Status (2026)
type: PropertyValue
value reference: Policyholder Benefits

Combined Ratio
type: PropertyValue
value reference: Operational Efficiency

Premium Growth Rate
type: PropertyValue
value reference: Business Growth

Net Premiums Written (Q1 2026)
type: PropertyValue
value reference: Market Size

Consumer Review Ratings
type: PropertyValue
value reference: Customer Satisfaction

Insurify Quality Score
type: PropertyValue
value reference: Quality Metrics

Local Agent Availability
type: PropertyValue
value reference: Service Distribution

Digital Platform Experience
type: PropertyValue
value reference: Technology

Average Annual Auto Insurance Premium
type: PropertyValue
value reference: Pricing

Claims Processing Speed
type: PropertyValue
value reference: Service Quality

Geographic Coverage
type: PropertyValue
value reference: Availability

Multi-Policy Bundle Discount
type: PropertyValue
value reference: Pricing

Coverage Types Available
type: PropertyValue
value reference: Product Offering

Annual Homeowners Premium (Average)
type: PropertyValue
value reference: Pricing

Auto Insurance Premium (Annual Average)
type: PropertyValue
value reference: Pricing

Agent Network Size
type: PropertyValue
value reference: Service

Available Discounts
type: PropertyValue
value reference: Discounts

A.M. Best Financial Rating
type: PropertyValue
value reference: Financial Stability

Digital Platform Capabilities
type: PropertyValue
value reference: Technology

Commercial Insurance Coverage
type: PropertyValue
value reference: Product Offerings