Allstate vs. GEICO: Which offers the cheapest auto insurance rates?

Allstate vs. GEICO: Which one is the cheapest?

GEICO costs $405 per year, while GEICO costs $700 per year for state minimum coverage.

For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, GEICO costs an average of $1,763. On the other hand, Allstate is more expensive, with an average cost of $2,509.

It's always best to compare quotes because rates may differ in each state and also vary depending on your needs.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
Allstate	$2,509	$700	$854
GEICO	$1,763	$405	$560

Allstate vs. GEICO: Rates by age group

Teen drivers pay the highest car insurance rates. GEICO offers the cheapest car insurance rates for teen drivers at $5,049 per year. On the other hand, Allstate offers car insurance rates at an average of $7,437 annually.

Age plays a big role in calculating insurance rates. Companies use data on speeding, accidents, and distracted driving. Teen drivers are one of the riskiest and the most expensive age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,776 a year at GEICO, while car insurance for adults at Allstate costs $2,509 per year.

Age group	Allstate	GEICO
Teens	$7,437	$5,049
Young adults	$3,754	$2,647
Adults	$2,509	$1,776
Seniors	$2,477	$1,787

Allstate vs. GEICO: Rates for high-risk drivers

GEICO has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, GEICO is cheaper, with average rates of $4,504.

Take a look at the table below for Allstate rates compared to GEICO rates.

Type of violation	Allstate	GEICO
1 At-fault property damage accident over $2K	$4,135	$3,155
1 At-fault property damage accident under $2K	$4,031	$3,147
At-fault bodily injury accident	$4,282	$3,320
Careless driving	$2,954	$2,447
DUI	$4,884	$4,504
Reckless driving	$4,601	$3,628
Speeding	$2,965	$2,831

Allstate vs. GEICO: Which is better rated?

When choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims., consider customer service, claims handling, and online experience along with price. Check the table below to see how Allstate and GEICO scored among the best car insurance companies of 2025.

Overall, Allstate earned a score of 3.78, while GEICO received a score of 4.2.

Ratings	Allstate	GEICO
NAIC	0.65	0.91
AM Best	A+	A++
Average annual premium	$2,508	$1,764
Average monthly premium	$209	$147
Customer Satisfaction	4.0	4.1
Insurance.com score	3.8	4.2

Allstate vs. GEICO: Rates in your state

Insurance rates are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from Allstate and GEICO. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.

State	GEICO	Allstate
Alabama	$1,625	$2,178
Alaska	$1,338	$2,114
Arizona	$1,312	$2,215
Arkansas	$1,794	$2,729
California	$1,919	$2,627
Colorado	$1,445	$2,774
Connecticut	$1,242	$2,195
Delaware	$1,695	$3,631
Florida	$2,214	$3,569
Georgia	$2,072	$2,014
Hawaii	$1,184	$1,882
Idaho	$1,174	$1,945
Illinois	$1,178	$2,742
Indiana	$986	$2,324
Iowa	$1,716	$2,126
Kansas	$1,622	$2,968
Kentucky	$2,106	$3,127
Louisiana	$2,983	N/A
Maine	$1,228	$1,147
Maryland	$1,262	$3,108
Massachusetts	$1,269	$2,694
Michigan	$1,553	N/A
Minnesota	$2,495	$2,388
Mississippi	$2,210	$2,527
Missouri	$3,217	$2,852
Montana	$2,382	$2,949
Nebraska	$2,372	$2,621
Nevada	$1,708	$2,614
New Hampshire	$1,212	$2,123
New Jersey	$1,563	$2,294
New Mexico	$1,406	$2,834
New York	$1,736	$2,056
North Carolina	$1,617	$2,994
North Dakota	$1,773	$2,339
Ohio	$1,373	$1,942
Oklahoma	$1,820	$2,699
Oregon	$1,683	$2,945
Pennsylvania	$2,308	$2,503
Rhode Island	$2,292	$2,993
South Carolina	$2,054	$2,336
South Dakota	$2,384	$2,070
Tennessee	$1,565	$3,032
Texas	$1,644	$2,941
Utah	$1,325	$2,279
Vermont	$1,276	$1,733
Virginia	$1,382	$2,021
Washington	$1,171	$1,766
Washington, D.C.	$1,408	$3,769
West Virginia	$2,248	$3,132
Wisconsin	$1,195	$2,515
Wyoming	$2,514	$2,831

Allstate vs. GEICO: Which offers better discounts?

Discounts are a big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts Allstate and GEICO offer to their customers.

Discounts	Allstate	GEICO
Daily commute	9%	6%
Purchase status	N/A	9%
Payment type	9%	16%
Multi policy	9%	7%
Telematics	8%	10%
Marital status	6%	7%
Lower annual mileage	7%	5%
Paperless/electornic documents	6%	N/A
Homeowner	6%	12%
Education	6%	12%
Safety devices	5%	2%
Electronic funds transfer	4%	N/A
Loyalty	18%	3%
Air bags	1%	2%
Days advanced purchase	12%	N/A
Profession	N/A	10%
Anti-theft device	1%	1%

Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.

Allstate vs. GEICO: The bottom line

Both Allstate and GEICO are good insurance companies, but if getting the lowest rates is your priority, GEICO might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: