GEICO vs Allstate: which is cheaper in 2026?
By the BudgetAutoRates editorial team · How we source rates Updated July 2026 Illustrative estimates, not quotes
Scout's Pick: GEICO
For pure price, GEICO wins in 41 of 50 states, averaging $16/mo less on comparable full coverage. Pick Allstate if you want a local agent and smoother claims: it beats GEICO on claims satisfaction three years running.
Scout picked GEICO. Now check what your ZIP says.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
Head to head
| Category | GEICO | Allstate | Edge |
|---|---|---|---|
| Avg liability / mo | $45 | $61 | GEICO |
| Avg full coverage / mo | $133 | $149 | GEICO |
| Teen driver added cost | +$148/mo | +$176/mo | GEICO |
| Rate after one at-fault accident | +42% | +31% | Allstate |
| Claims satisfaction (J.D. Power) | 871 | 889 | Allstate |
| Discount programs | 16 | 19 | Allstate |
| Mobile app rating | 4.8 | 4.3 | GEICO |
| Local agents | No | 10,000+ | Allstate |
Illustrative estimates from public benchmarks and a cost model, not quotes; see our methodology. Claims satisfaction and discount counts change yearly; check current J.D. Power results before deciding on service alone.
Get both quoted for your ZIP
Your own quotes from 100+ carriers, these two included, in about 2 minutes.
Enter the 5-digit ZIP where the car is parked.
256-bit encryption · Scout guards the burrow. No spam.
Pick GEICO if · Pick Allstate if
GEICO fits you when
- Price is the whole decision
- You manage everything in an app
- You're insuring a teen driver
Allstate fits you when
- You want a human agent in town
- Claims experience matters more than $16/mo
- You'll bundle home + auto for its bigger multi-policy cut
Common questions
Why is GEICO usually cheaper than Allstate?
No agent network to pay for. GEICO sells direct, and roughly 10% of every Allstate premium goes to distribution costs GEICO doesn't carry.
Which one raises rates more after an accident?
GEICO: +42% on average vs Allstate's +31%. The cheap headline rate gets less cheap the moment you file. Scout's rule: compare your post-accident rate, not the teaser.