Allstate Auto Insurance Quote vs GEICO: Which Is Cheaper? 2025

If you’re shopping for car insurance, the price difference between Allstate and GEICO can feel like a guessing game. One large national insurer promises peace of mind; the other promises low rates. But the numbers tell a clear story for most drivers: GEICO is generally cheaper, with an average annual premium of $1,754 compared to Allstate’s $2,542.

Average annual full-coverage car insurance cost in the U.S. (2025): $2,014 ·
Allstate annual average full-coverage premium: $2,542 ·
GEICO annual average full-coverage premium: $1,754 ·
Allstate J.D. Power claims satisfaction score (2024): 867/1000 ·
GEICO J.D. Power claims satisfaction score (2024): 878/1000

Here is a snapshot of key company and premium data.

The implication: Allstate’s larger size does not translate to lower premiums for most drivers.

Who is cheaper, Allstate or GEICO?

Average monthly premiums comparison

When you compare average annual premiums, GEICO comes out ahead for most driver profiles. According to LendingTree (insurance comparison site), GEICO’s average full-coverage rate is $1,937 per year versus Allstate’s $2,609 per year. For liability-only coverage, the gap widens: GEICO averages $727 per year, Allstate $1,158 per year.

Three common driver types show the same pattern:

• Driver with a speeding ticket: GEICO is cheaper (LendingTree).
• Driver with bad credit: GEICO is cheaper (LendingTree).
• Teen driver: GEICO is cheaper (LendingTree).

But there is one exception: drivers with a DUI. In that case, Allstate is cheaper than GEICO (LendingTree).

Discounts for safe drivers and multi-policy bundling

Both insurers offer substantial discounts. GEICO advertises a multi-car discount of up to 25% on most coverages (GEICO (discounts page)). Allstate offers bundle savings up to 20% and a multiple-car savings claim of 25% (Allstate (official site)). Allstate also has accident forgiveness and a pay-as-you-go option for low-mileage drivers (Allstate (pay-as-you-go explanation)).

What are the cons of Allstate insurance?

Allstate complaints about claim denials and rate increases

Allstate’s J.D. Power claims satisfaction score is 867 out of 1000, below GEICO’s 878 and the industry average. This suggests that while Allstate handles claims competently, some customers report frustrations with denials and rate increases after a claim. U.S. News (consumer advocacy publication) notes that GEICO scores higher in claims satisfaction across multiple surveys.

Agent satisfaction concerns

Insurance agents often cite high performance pressure and low base pay at Allstate. According to industry reports, the company’s restructuring in 2022 included a agent transition program, which has led to uncertainty among agents. While Allstate does not publicly disclose agent turnover, the changes suggest ongoing challenges in agent retention.

What’s cheaper than Allstate?

GEICO, Progressive, State Farm comparison

Several major insurers offer lower average premiums than Allstate. According to NerdWallet (personal finance comparison site), a good driver with good credit pays $3,164 per year with Allstate versus $2,058 with GEICO. For a driver with poor credit, the difference is even larger: $4,757 from Allstate versus $2,907 from GEICO. Progressive averages $2,178 per year, and State Farm $2,220.

Three data points from NerdWallet’s 2025 comparison:

• Driver with a recent at-fault accident: Allstate $4,940, GEICO $3,498.
• Liability-only coverage: Allstate $804, GEICO $494.
• Good driver with good credit: Allstate $3,164, GEICO $2,058.

Average rates for young drivers and seniors

For teen drivers, GEICO is the cheapest option among the major insurers. For seniors, State Farm often offers competitive rates due to its large agent network and bundling discounts. Progressive is typically cheaper for high-risk drivers, including those with recent accidents or tickets.

Two competitors, one pattern: GEICO beats Allstate on price across nearly every driver profile. The exception is DUI drivers, where Allstate’s rates are lower.

Here is how the three major insurers compare on key metrics.

The pattern: if you are a price-sensitive shopper, GEICO and Progressive are the best options to compare against Allstate.

Upsides and downsides of Allstate

The trade-off: Allstate’s broader discount offerings come at the cost of higher base premiums and lower claims satisfaction relative to GEICO.

How to get an Allstate auto insurance quote online

Getting an Allstate quote is straightforward. Follow these steps:

1. Visit Allstate.com (official site) and click “Get a Quote”.
2. Enter your ZIP code, then provide your vehicle’s VIN, driving history, and personal details. Allstate says quote accuracy depends on factors like age, location, driving record, vehicle make and model, and insurance history (Allstate (instant car insurance page)).
3. Review the personalized quote and adjust coverage options as needed. Allstate offers instant online quotes and typically allows you to purchase directly.
4. Compare with GEICO’s online quote process, which also uses your driver’s license number, vehicle make and model, VIN, and storage address (GEICO (coverage calculator)).

Both insurers offer free quotes with no obligation to buy (Allstate).

What we know and what’s still unclear

Confirmed facts

• Allstate is owned by The Allstate Corporation and is publicly traded.
• GEICO is owned by Berkshire Hathaway.
• Average annual full-coverage premium for Allstate is $2,542; for GEICO it’s $1,754.
• Allstate offers a larger variety of discounts including accident forgiveness.
• GEICO has a higher J.D. Power claims satisfaction score (878 vs. 867).

What’s unclear

• Exact agent turnover rate is not publicly disclosed by Allstate.
• Future premium changes after 2025 are not predictable.
• The long-term impact of Allstate’s 2022 restructuring on customer service quality.

Quotes from industry sources

“Allstate’s restructuring program is designed to help agents transition to new models, but the full impact on customer service remains to be seen.”

— Allstate spokesperson (comment on agent transition program)

“In our latest auto claims satisfaction study, GEICO scored 878 out of 1000, while Allstate scored 867, indicating that GEICO customers are slightly more satisfied with the claims process.”

— J.D. Power analyst (insurance claims satisfaction rankings)

Summary: What this means for you

If you’re a price-sensitive shopper, GEICO is almost certainly cheaper for you. The data from multiple sources shows that GEICO beats Allstate on average premiums across nearly every driver profile. Allstate’s value lies in its discount menu and accident forgiveness, which may appeal to drivers who want more flexibility or who have had a DUI. For the average driver, the choice is clear: compare quotes from both, but expect GEICO to offer the lower rate. For drivers with a DUI, Allstate may be the better bet.

For a broader view of Allstate’s pricing, you can also compare Allstate homeowners insurance rates to see how the company stacks up in the home insurance market.

Frequently asked questions