Allstate vs. GEICO: Which one is the cheapest?

GEICO costs an average of $405, while GEICO has average rates for state minimum coverage of $700.

For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, GEICO costs an average of $1,763. Allstate costs more at an average of $2,509.

It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual situation.

CompanyAverage annual rate for full coverageAverage annual rate for state minimum coverageAverage 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

For a teen - one of the most expensive age groups to insure - GEICO has the cheapest rates, coming in at $5,049 per year. Allstate costs an average of $7,437 for a teen driver.

Age plays a major role in determining auto insurance rates. Companies consider speeding, accident trends and distracted driving statistics. Teen drivers are one of the riskiest groups to insure, making their rates the highest. However, insurance costs go down as you get older.

Adults pay an average of $1,776 with GEICO, while Allstate charges an average of $2,509 for an adult. The table below lists the car insurance rates for different age groups for Allstate and GEICO.

Age groupAllstateGEICO
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 violationAllstateGEICO
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 company, it's important to consider more than just price. Customer service, claims processing and a good online experience also matter. Check out the table below to see how Allstate and GEICO ranked among the best car insurance companies of 2025.

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

RatingsAllstateGEICO
NAIC0.650.91
AM BestA+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 vary from state to state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you'll find the cheapest rates for Allstate and GEICO. Remember, always shop around for multiple quotes as prices will ultimately be determined by your personal situation and driving record in addition to your location.

StateGEICOAllstate
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$2,983N/A
Maine$1,228$1,147
Maryland$1,262$3,108
Massachusetts$1,269$2,694
Michigan$1,553N/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.

DiscountsAllstateGEICO
Daily commute9%6%
Purchase statusN/A9%
Payment type9%16%
Multi policy9%7%
Telematics8%10%
Marital status6%7%
Lower annual mileage7%5%
Paperless/electornic documents6%N/A
Homeowner6%12%
Education6%12%
Safety devices5%2%
Electronic funds transfer4%N/A
Loyalty18%3%
Air bags1%2%
Days advanced purchase12%N/A
ProfessionN/A10%
Anti-theft device1%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

Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.

Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.

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