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.
Geico vs Allstate — Side-by-side comparison on A Versus B
Major national auto insurer known for digital convenience and competitive rates
Large personal insurance provider with extensive agent network and comprehensive digital platform.
Overall Customer Rating. WalletHub Editor Score. Telematics Program. Gap Insurance Coverage. Pay-Per-Mile Option. New-Car Replacement Coverage. Average Premium Cost. Distribution Model
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).
Geico: Not disclosed at comparable detail | Allstate: Lower growth reported
Geico: Not publicly comparable | Allstate: N/A
Geico: Market standard growth | Allstate: N/A
Geico: Below national average with superior discounts | Allstate: N/A
Geico: Men 13.6% vs Women 10.3% = 3.3 point gap | Allstate: N/A
Geico: Limited traditional monitoring programs | Allstate: N/A
Geico: Significant increases (700k+ Florida customers April 2026) | Allstate: N/A
Geico: Not publicly disclosed separately | Allstate: N/A
Geico: More comprehensive | Allstate: N/A
Geico: Limited announcements | Allstate: N/A
Geico: 3.9 out of 5 | Allstate: 3.8 out of 5
Geico: 4.4 out of 5 | Allstate: 3.0 out of 5
Geico: Can increase at renewal | Allstate: Cannot increase rates
Geico: Not available | Allstate: Milewise available
Geico: Online, phone, mobile app | Allstate: Agents, online, phone, mobile
Geico: $2,053 per year | Allstate: Above national average
Geico: Auto Insurance Only | Allstate: N/A
Geico: Stable competitive pricing | Allstate: N/A
Geico: Auto, Home, Life, Umbrella, RV, more | Allstate: N/A
Geico: Phone, Local Agents, Chat, Mobile App | Allstate: N/A
Geico: Yes (optional - DriveEasy) | Allstate: N/A
Geico: 24/7 with local agents | Allstate: N/A
Geico: Standard underwriting only | Allstate: N/A
Geico: Phone/online only | Allstate: N/A
Geico: N/A | Allstate: Extensive (gap coverage, etc.)
Geico: N/A | Allstate: Standard dividend
Geico: N/A | Allstate: Comparable market share
Geico: N/A | Allstate: Good (slightly lower)
Geico: N/A | Allstate: Slightly higher score
Geico: N/A | Allstate: Extensive nationwide network
Geico: N/A | Allstate: Good, traditional approach
Geico: N/A | Allstate: 5 (Auto, Home, Life, Umbrella, Business)
Geico: N/A | Allstate: Excellent - comprehensive mobile app and tools
Geico: N/A | Allstate: Limited offerings
How to choose between Geico and Allstate
Geico vs Allstate — Structured Comparison Data
Machine-readable comparison dataset for Geico vs Allstate. Contains 94 attribute comparisons, 5 FAQ pairs.
Geico vs Allstate — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for Geico vs Allstate.
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.
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.
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.
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.
Can you switch from Allstate to GEICO mid-policy?
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.
How to Choose Between Geico and Allstate
Overall Customer Rating: Geico has 3.9 out of 5, while Allstate has 3.8 out of 5.
WalletHub Editor Score: Geico has 4.4 out of 5 stars, while Allstate has 3.0 out of 5 stars.
Telematics Program: Geico has DriveEasy (can raise rates at renewal), while Allstate has Drivewise (cashback, cannot raise rates).
Gap Insurance Coverage: Geico has Not offered, while Allstate has Offered.
Pay-Per-Mile Option: Geico has Not available, while Allstate has Milewise available.
New-Car Replacement Coverage: Geico has Not offered, while Allstate has Offered.
Average Premium Cost: Geico has Below national average, while Allstate has Above national average.
Distribution Model: Geico has Direct online/phone, while Allstate has Nationwide agent network.
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