Geico vs Allstate
Geico
Major national auto insurer known for digital convenience and competitive rates
Budget-conscious drivers seeking competitive rates and digital convenience
VS
Allstate
Large personal insurance provider with extensive agent network and comprehensive digital platform.
Drivers wanting comprehensive coverage options and personalized agent relationships
Short Answer
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.
Our Verdict
AI-assistedGeico 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).
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Geico10
5Allstate
Choose Geico if
Budget-conscious drivers seeking competitive rates and digital convenience
Choose Allstate if
Drivers wanting comprehensive coverage options and personalized agent relationships
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Key Differences at a Glance
🔹
Overall Customer Rating: Geico wins (3.9 out of 5 vs 3.8 out of 5)
🔹
WalletHub Editor Score: Geico wins (4.4 out of 5 stars vs 3.0 out of 5 stars)
🔹
Telematics Program: Allstate wins (Drivewise (cashback, cannot raise rates) vs DriveEasy (can raise rates at renewal))
Key Facts & Figures
| Metric | Geico | Allstate | Diff |
|---|---|---|---|
| Gender Rate Variance (Widest Gap)(percentage point difference) | Men 13.6% vs Women 10.3% = 3.3 point gap | — | — |
| Coverage Types Available(number of categories) | Auto Insurance Only | — | — |
| Mental Market Share (MMS)(percentage) | ~12% | — | — |
| Minimum Coverage Monthly Rate(USD) | $66 | — | — |
| Full Coverage Annual Cost(USD) | $2,053 | — | — |
| Customer Rating(stars) | 4.5 out of 5 | — | — |
| WalletHub Rating(stars) | 4.3 out of 5 | — | — |
| Number of Coverage Types(types) | 1 (auto only) | — | — |
| Market Presence (MMS)(percent) | ~12% | — | — |
| Average Annual Premium (Auto Insurance)(USD) | $950 | — | — |
| Coverage Types Offered(count) | Auto, Home, Life, Umbrella, RV, more | — | — |
| Founded Year(Year) | 1936 | — | — |
| Average Annual Premium (Safe Driver)(USD) | $1,247 | — | — |
| Average Claims Processing Time(business days) | 1.5 days | — | — |
| Quote Generation Time(minutes) | 10 minutes | — | — |
| Average Annual Premium(USD) | $1,400 | — | — |
| Quote Processing Time(minutes) | 7 | — | — |
| Policy Approval Time(hours) | 24-48 | — | — |
| Number of Discounts(count) | 27 | — | — |
| States Available(count) | 51 | — | — |
| Average Auto Insurance Premium (Annual)(USD) | $1,380 | — | — |
| Quote Completion Time(minutes) | 4 | — | — |
| Available Coverage Types(count) | 6 types | — | — |
| Number of Available Discounts(count) | 15 | — | — |
| States Served(count) | 50 states | — | — |
| Mobile App Rating(Stars) | 4.6/5 | 4.5 | +2% |
| Customer Satisfaction Score(Score) | 82/100 | 79 | +4% |
| Claims Processing Time(Hours) | 2-3 days | — | — |
| Average Annual Auto Insurance Premium(USD) | $1,389 | $1,389 | — |
| Geographic Coverage(states) | 50 | 50 | — |
| Annual Homeowners Premium (Average)(USD) | $1,500 | $1,500 | — |
| Auto Insurance Premium (Annual Average)(USD) | $1,100 | $1,100 | — |
| Agent Network Size(agents) | 10,000 | 10,000 | — |
| Available Discounts(count) | 20 | 20 | — |
All figures sourced from publicly available data. Last updated Jun 2026.
Key Differences
Geico
Attribute
Allstate
3.9 out of 5🏆
Overall Customer Rating
3.8 out of 5
4.4 out of 5 stars🏆
WalletHub Editor Score
3.0 out of 5 stars
DriveEasy (can raise rates at renewal)
Telematics Program
Drivewise (cashback, cannot raise rates)🏆
Not offered
Gap Insurance Coverage
Offered🏆
Not available
Pay-Per-Mile Option
Milewise available🏆
Not offered
New-Car Replacement Coverage
Offered🏆
Below national average🏆
Average Premium Cost
Above national average
Direct online/phone
Distribution Model
Nationwide agent network
Overall Customer Rating
Geico
3.9 out of 5🏆
Allstate
3.8 out of 5
WalletHub Editor Score
Geico
4.4 out of 5 stars🏆
Allstate
3.0 out of 5 stars
Telematics Program
Geico
DriveEasy (can raise rates at renewal)
Allstate
Drivewise (cashback, cannot raise rates)🏆
Gap Insurance Coverage
Geico
Not offered
Allstate
Offered🏆
Pay-Per-Mile Option
Geico
Not available
Allstate
Milewise available🏆
New-Car Replacement Coverage
Geico
Not offered
Allstate
Offered🏆
Average Premium Cost
Geico
Below national average🏆
Allstate
Above national average
Distribution Model
Geico
Direct online/phone
Allstate
Nationwide agent network
Full Comparison
| Attribute |  Geico |  Allstate |
|---|---|---|
| National Company Ranking (2026) | #4 | — |
| Q1 2026 Net Income(billions USD) | Not disclosed at comparable detail | Lower growth reported |
| Combined Ratio (Claims Efficiency)(%) | Not publicly comparable | — |
| Combined Ratio(Percentage (%)) | Not disclosed | — |
| Premium Growth Rate (2026)(%) | Market standard growth | — |
| Average Rate vs National Average | Below national average with superior discounts | — |
| Average Annual Premium(relative to national average) | $2,053 per year | Above national average |
| Minimum Coverage Monthly Rate(USD) | $66 | — |
| Full Coverage Annual Cost(USD) | $2,053 | — |
| Average Annual Premium (Safe Driver)(USD) | $1,247 | — |
Show 8 more attributesBundle Discount Available(yes/no) Yes (up to 25%) — Average Annual Premium(USD) $1,400 — Average Auto Insurance Premium (Annual)(USD) $1,380 — Average Premium (Good Driver, 6-month)(USD) $1,180 — Average Annual Auto Insurance Premium(USD) $1,389 — Multi-Policy Bundle Discount(percentage) Up to 25% — Annual Homeowners Premium (Average)(USD) $1,500 — Auto Insurance Premium (Annual Average)(USD) $1,100 — | ||
| Gender Rate Variance (Widest Gap)(percentage point difference) | Men 13.6% vs Women 10.3% = 3.3 point gap | — |
| Telematics/Usage-Based Program | Limited traditional monitoring programs | — |
| Rate Stability (2026) | Significant increases (700k+ Florida customers April 2026) | — |
| Price Transparency Rating | Moderate | — |
| Digital Platform Ease of Use | User-friendly | — |
| 2025 Net Income(billion USD) | Not publicly disclosed separately | — |
| Rate Reductions Announced 2026(customers affected) | Limited announcements | — |
| Net Income (2025)($ Billion) | Allstate | — |
| Available Discounts(count) | More comprehensive | — |
| Accident/DUI Rate Premium Increase(percentage) | Standard pricing | — |
| Geographic Coverage(states) | All 50 states | — |
| Coverage Types Available(number of categories) | Auto Insurance Only | — |
| Number of Coverage Types(types) | 1 (auto only) | — |
| Available Coverage Types(count) | 6 types | — |
| Service Model(null) | Digital-only | — |
| Agent Network Size(agents) | 10,000 | — |
| Claims Processing(null) | Fully digital | — |
| Customer Satisfaction Rating(relative ranking) | 4.3 out of 5 | — |
| Claims Processing Speed(days) | 2-4 days | — |
| Overall Customer Rating(stars) | 3.9 out of 5 | 3.8 out of 5 |
| WalletHub Editor Rating(stars) | 4.4 out of 5 | 3.0 out of 5 |
| Customer Rating(stars) | 4.5 out of 5 | — |
| Consumer Review Ratings(Comparative Score) | Good (slightly lower) | — |
| Telematics Rate Increase Risk(risk level) | Can increase at renewal | Cannot increase rates |
| Gap Insurance Availability(boolean) | Not offered | Offered |
| Pay-Per-Mile Coverage(boolean) | Not available | Milewise available |
| New-Car Replacement Coverage(boolean) | Not offered | Offered |
| Distribution Channels(types) | Online, phone, mobile app | Agents, online, phone, mobile |
| Membership Eligibility | All drivers | — |
| Premium Reduction Rate (2026)(percentage of members) | Stable competitive pricing | — |
| Number of Discounts(count) | 27 | — |
| Mental Market Share (MMS)(percentage) | ~12% | — |
| Loan Rate Competitiveness | Auto-only (N/A) | — |
| Home/Auto Bundling Discount | Not available | — |
| Maximum Safe Driver Discount(percent) | Multiple offers | — |
| Number of Available Discounts(count) | 15 | — |
| Available Discounts(count) | 20 | — |
| WalletHub Rating(stars) | 4.3 out of 5 | — |
| Years in Business(years) | 85+ | — |
| Market Presence (MMS)(percent) | ~12% | — |
| Average Annual Premium (Auto Insurance)(USD) | $950 | — |
| Average Premium Rates | Higher | — |
| Coverage Types Offered(count) | Auto, Home, Life, Umbrella, RV, more | — |
| Customer Service Channels(count) | Phone, Local Agents, Chat, Mobile App | — |
| Customer Service Hours(hours per day) | 24/7 | — |
| Founded Year(Year) | 1936 | — |
| Average Claims Processing Time(business days) | 1.5 days | — |
| Telematics Program Offered(yes/no) | Yes (optional - DriveEasy) | — |
| Digital Platform Experience(User Experience Rating) | Good, traditional approach | — |
| Digital Platform Capabilities | Excellent - comprehensive mobile app and tools | — |
| Quote Generation Time(minutes) | 10 minutes | — |
| Quote Completion Time(minutes) | 4 | — |
| Online Quote Time(minutes) | 5-15 minutes | — |
| Quote Processing Time(minutes) | 7 | — |
| Policy Approval Time(hours) | 24-48 | — |
| Credit Check Required | Yes (standard) | — |
| States Available(count) | 51 | — |
| Agent Availability(hours per week) | 24/7 with local agents | — |
| States Served(count) | 50 states | — |
| Geographic Coverage(states) | 50 | — |
| Mobile App Rating(Stars) | 4.6/5 | 4.5 |
| Customer Satisfaction Score(Score) | 82/100 | 79 |
| Claims Processing Time(Hours) | 2-3 days | — |
| Specialty: High-Risk Drivers | Standard underwriting only | — |
| Local Agent Availability | Phone/online only | — |
| Add-On Coverage Availability | Extensive (gap coverage, etc.) | — |
| Product Diversity | Focused | — |
| Discount Programs(Relative Offering) | Competitive | — |
| Dividend Payout Status (2026) | Standard dividend | — |
| Premium Growth Rate(Year-over-Year %) | Stable growth | — |
| Net Premiums Written (Q1 2026)(Billions USD) | Comparable market share | — |
| Insurify Quality Score(Comparative Rank) | Slightly higher score | — |
| Local Agent Availability(Network Scale) | Extensive nationwide network | — |
| Coverage Types Available(count) | 5 (Auto, Home, Life, Umbrella, Business) | — |
| A.M. Best Financial Rating | A (Excellent) | — |
| Commercial Insurance Coverage | Limited offerings | — |
GeicoAllstateNational Company Ranking (2026)
#4
—
Q1 2026 Net Income(billions USD)
Not disclosed at comparable detail
Lower growth reported
Combined Ratio (Claims Efficiency)(%)
Not publicly comparable
—
Combined Ratio(Percentage (%))
Not disclosed
—
Premium Growth Rate (2026)(%)
Market standard growth
—
Average Rate vs National Average
Below national average with superior discounts
—
Average Annual Premium(relative to national average)
$2,053 per year
Above national average
Minimum Coverage Monthly Rate(USD)
$66
—
Full Coverage Annual Cost(USD)
$2,053
—
Average Annual Premium (Safe Driver)(USD)
$1,247
—
Show 8 more attributes
Bundle Discount Available(yes/no)
Yes (up to 25%)
—
Average Annual Premium(USD)
$1,400
—
Average Auto Insurance Premium (Annual)(USD)
$1,380
—
Average Premium (Good Driver, 6-month)(USD)
$1,180
—
Average Annual Auto Insurance Premium(USD)
$1,389
—
Multi-Policy Bundle Discount(percentage)
Up to 25%
—
Annual Homeowners Premium (Average)(USD)
$1,500
—
Auto Insurance Premium (Annual Average)(USD)
$1,100
—
Gender Rate Variance (Widest Gap)(percentage point difference)
Men 13.6% vs Women 10.3% = 3.3 point gap
—
Telematics/Usage-Based Program
Limited traditional monitoring programs
—
Rate Stability (2026)
Significant increases (700k+ Florida customers April 2026)
—
Price Transparency Rating
Moderate
—
Digital Platform Ease of Use
User-friendly
—
2025 Net Income(billion USD)
Not publicly disclosed separately
—
Rate Reductions Announced 2026(customers affected)
Limited announcements
—
Net Income (2025)($ Billion)
Allstate
—
Available Discounts(count)
More comprehensive
—
Accident/DUI Rate Premium Increase(percentage)
Standard pricing
—
Geographic Coverage(states)
All 50 states
—
Coverage Types Available(number of categories)
Auto Insurance Only
—
Number of Coverage Types(types)
1 (auto only)
—
Available Coverage Types(count)
6 types
—
Service Model(null)
Digital-only
—
Agent Network Size(agents)
10,000
—
Claims Processing(null)
Fully digital
—
Customer Satisfaction Rating(relative ranking)
4.3 out of 5
—
Claims Processing Speed(days)
2-4 days
—
Overall Customer Rating(stars)
3.9 out of 5
3.8 out of 5
WalletHub Editor Rating(stars)
4.4 out of 5
3.0 out of 5
Customer Rating(stars)
4.5 out of 5
—
Consumer Review Ratings(Comparative Score)
Good (slightly lower)
—
Telematics Rate Increase Risk(risk level)
Can increase at renewal
Cannot increase rates
Gap Insurance Availability(boolean)
Not offered
Offered
Pay-Per-Mile Coverage(boolean)
Not available
Milewise available
New-Car Replacement Coverage(boolean)
Not offered
Offered
Distribution Channels(types)
Online, phone, mobile app
Agents, online, phone, mobile
Membership Eligibility
All drivers
—
Premium Reduction Rate (2026)(percentage of members)
Stable competitive pricing
—
Number of Discounts(count)
27
—
Mental Market Share (MMS)(percentage)
~12%
—
Loan Rate Competitiveness
Auto-only (N/A)
—
Home/Auto Bundling Discount
Not available
—
Maximum Safe Driver Discount(percent)
Multiple offers
—
Number of Available Discounts(count)
15
—
Available Discounts(count)
20
—
WalletHub Rating(stars)
4.3 out of 5
—
Years in Business(years)
85+
—
Market Presence (MMS)(percent)
~12%
—
Average Annual Premium (Auto Insurance)(USD)
$950
—
Average Premium Rates
Higher
—
Coverage Types Offered(count)
Auto, Home, Life, Umbrella, RV, more
—
Customer Service Channels(count)
Phone, Local Agents, Chat, Mobile App
—
Customer Service Hours(hours per day)
24/7
—
Founded Year(Year)
1936
—
Average Claims Processing Time(business days)
1.5 days
—
Telematics Program Offered(yes/no)
Yes (optional - DriveEasy)
—
Digital Platform Experience(User Experience Rating)
Good, traditional approach
—
Digital Platform Capabilities
Excellent - comprehensive mobile app and tools
—
Quote Generation Time(minutes)
10 minutes
—
Quote Completion Time(minutes)
4
—
Online Quote Time(minutes)
5-15 minutes
—
Quote Processing Time(minutes)
7
—
Policy Approval Time(hours)
24-48
—
Credit Check Required
Yes (standard)
—
States Available(count)
51
—
Agent Availability(hours per week)
24/7 with local agents
—
States Served(count)
50 states
—
Geographic Coverage(states)
50
—
Mobile App Rating(Stars)
4.6/5
4.5
Customer Satisfaction Score(Score)
82/100
79
Claims Processing Time(Hours)
2-3 days
—
Specialty: High-Risk Drivers
Standard underwriting only
—
Local Agent Availability
Phone/online only
—
Add-On Coverage Availability
Extensive (gap coverage, etc.)
—
Product Diversity
Focused
—
Discount Programs(Relative Offering)
Competitive
—
Dividend Payout Status (2026)
Standard dividend
—
Premium Growth Rate(Year-over-Year %)
Stable growth
—
Net Premiums Written (Q1 2026)(Billions USD)
Comparable market share
—
Insurify Quality Score(Comparative Rank)
Slightly higher score
—
Local Agent Availability(Network Scale)
Extensive nationwide network
—
Coverage Types Available(count)
5 (Auto, Home, Life, Umbrella, Business)
—
A.M. Best Financial Rating
A (Excellent)
—
Commercial Insurance Coverage
Limited offerings
—
Visual Comparison
Side-by-side comparison of numeric attributes
Pros & Cons
Geico
5 pros2 cons
Pros
- Lowest average premiums across all driver categories
- Highest customer satisfaction rating at 3.9/5
- Superior WalletHub score of 4.4/5 stars
- Convenient 24/7 online and phone support
- Rates below national average for standard drivers
Cons
- DriveEasy telematics program can increase rates at renewal
- Limited coverage options compared to competitors
Allstate
5 pros2 cons
Pros
- Drivewise program provides cashback with no rate increase guarantee
- Gap insurance and new-car replacement coverage included
- Milewise pay-per-mile option for low-mileage drivers
- Extensive nationwide agent network for personalized support
- Comprehensive homeowners and commercial insurance options
Cons
- Higher average premiums than Geico
- Lower customer satisfaction rating at 3.8/5
Frequently Asked Questions
Geico consistently offers lower average premiums across all driver categories, with rates typically below the national average. Allstate's rates generally run above the national average, making Geico the more affordable option for most drivers.
Resources & Learn More
Dive deeper with these curated resources
Wikipedia
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Last updated: April 25, 2026AI generated