GEICO is $620/year cheaper on average. Unless you specifically need Allstate's new car replacement or accident forgiveness, GEICO delivers better value for most drivers.
Frequently Asked Questions
GEICO is dramatically cheaper — $1,200/yr vs $1,820/yr for full coverage. That's $620/year in savings. The gap is similar across most driver profiles.
Yes. Allstate offers new car replacement (pays for a new car if yours is totaled in the first 2 years), accident forgiveness (first accident doesn't raise rates), and Drivewise cash back rewards. GEICO doesn't offer these.
Both rate similarly in J.D. Power claims satisfaction. GEICO's photo-based virtual inspection is faster for minor claims. Allstate's local agents are valuable for complex total-loss claims.