Auto insurance · Updated August 2026
GEICO vs Allstate
GEICO and Allstate land within a rounding error of each other on the published measures. On the NAIC's 2025 complaint index, Allstate Fire & Casualty drew 0.82 and GEICO General drew 0.88, both under the industry median of 1.00; their iOS apps sit at 4.79 and 4.80; and both write five lines. AM Best rates GEICO A++ and Allstate A+. What separates them is how you buy: GEICO sells direct online and by phone, Allstate sells through a nationwide agent network and adds named options such as accident forgiveness and pay-per-mile. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Armando Chavarria, licensed insurance agent · NPN 17042827
The short answer
GEICO has sold direct since 1936 and is a Berkshire Hathaway subsidiary. AM Best rates it A++, the highest grade it issues and a step above Allstate. Its iOS app holds 4.80 stars across 4,753,999 ratings, and DriveEasy adjusts the price to recorded driving. It writes auto, motorcycle, renters, home, and RV in all 50 states, and it files . The tradeoffs: it drew 0.88 on the NAIC's 2025 complaint index against Allstate's 0.82, and there is no local office.
Allstate has written personal lines since 1931 through a nationwide agent network, so one office can service auto, home, renters, motorcycle, and life. It sells accident forgiveness and new car replacement as named options, runs Drivewise for safe-driving credits, and files Milewise, which prices on miles driven. Allstate Fire & Casualty drew 0.82 on the NAIC's 2025 complaint index, 454 complaints on $11.7 billion of private-passenger premium. The tradeoffs: AM Best rates it A+, a step under GEICO, and its app carries 1,257,155 ratings against GEICO's 4,753,999.
Both companies state by state and price clean records hard. A national average will not predict which one wins at your address. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
GEICO vs Allstate: the data sheet
Sources are listed under the measured figures. How we compare
GEICO | Allstate | |
|---|---|---|
| Built for | Drivers who buy direct and manage the policy in the app | Drivers who want a local agent and bundled home coverage |
| Who underwrites it | GEICO group companies, part of Berkshire Hathaway | Allstate group companies |
| Complaints per policyEffectively tied | 0.88 536 complaints on $12.8B written | 0.82 454 complaints on $11.7B written |
NAIC complaint index, 2025, private passenger auto · GEICO General Ins. Co. vs Allstate Fire & Casualty Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; GEICO a step higher | A++ Superior | A+ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyTied | 5 lines auto, motorcycle, renters, home, rv | 5 lines auto, home, renters, motorcycle, life |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appEffectively tied | 4.80 4,753,999 ratings | 4.79 1,257,155 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | DriveEasy | Drivewise |
| Availability | All 50 states | All 50 states |
| Known for | Direct sales, fast quotes, multi-policy discounts | Drivewise rewards, Milewise pay-per-mile in some states |
In practice
Where they differ
The published measures are close
On the 2025 NAIC figures, Allstate Fire & Casualty drew 0.82 complaints against the expected rate for its size and GEICO General drew 0.88. Their iOS ratings are 4.79 and 4.80. Both write five lines. AM Best is the one measure that separates them: A++ for GEICO, A+ for Allstate, and both grades sit in the Superior category.
You buy them in opposite ways
GEICO sells its auto policies direct, on its site and by phone. Allstate sells online and through its nationwide agent network, so an office services the policy and the claim. Both price from the same state rate filings whichever path you take.
Five lines each, different five
GEICO lists auto, motorcycle, renters, home, and RV. Allstate lists auto, home, renters, motorcycle, and life. RV sits on the GEICO list; life sits on Allstate's. Allstate also sells accident forgiveness and new car replacement as named policy options.
Price
Which is cheaper: GEICO or Allstate?
Neither company is reliably cheaper. What sets the price:
Clean records are the battleground. GEICO and Allstate both compete hardest on drivers with no recent violations, and their filed rates trade the lead from state to state. The two quotes for the same clean record can land within a few dollars or a few hundred.
Bundling moves the total. Both companies discount auto when it sits with home or renters, and the discount is filed per state. The combined number decides the comparison rather than the auto number alone.
Two different telematics bets. DriveEasy and Drivewise both measure how a car is driven and adjust the price on the result. Milewise prices on miles instead, which changes the answer for a low-mileage driver. Enrolling in any of them can raise a price as well as lower it.
One application. Real prices from the carriers writing in your state.