The biggest difference is that Geico is an online insurance company, while Allstate offers face-to-face interaction with 12,000 agents.Allstate is a well-known company founded in 1931. You might not realize that Geico has been around almost as long. It dates back to 1936. Geico covered government employees until 1974 when it expanded to the general population.So, well before the advent of its gecko mascot, Geico was protecting members. Geico now covers more than 22 million vehicles in all 50 states.
The two companies vary on their coverage options. Allstate provides usage-based/Telematics, new car replacement, and vanishing deductible; Geico offers a no drop promise. Both provide roadside assistance. Geico and Allstate give generous discounts. That includes multi-vehicle, driving training, safe driver, multi-policy, and good student. The precise discount percentages can vary. Make sure to ask about the exact percentage for each company while comparing rates.Geico usually has much cheaper rates than Allstate. Geico can keep down their prices by not offering face-to-face interaction with agents.
That said, you should still get quotes from both companies and ask about discounts. You may find that Allstate’s coverage and discounts are better than Geico’s. Plus, if you really like meeting with an agent and interacting in person, you may find Allstate is better for you.
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