When it comes to choosing between Geico and Allstate for your car insurance needs, there are several key takeaways to consider. Geico scores higher in terms of customer satisfaction and affordability, with an average rating of 9.3 out of 10 compared to Allstate’s 9.1. Geico also tends to offer cheaper rates on average than Allstate, making it a better option for budget-conscious drivers.
Allstate, on the other hand, offers more add-ons like sound system and travel expense coverage, which can be beneficial for those looking for additional coverage options. Both companies have reliable reputations and good industry standings, so it’s important to compare quotes from both to find the best rate for your specific needs.
In terms of coverage options, both Geico and Allstate offer the standard types of auto insurance coverage, as well as several add-on policy coverages. Allstate has optional roadside assistance and a membership-based roadside assistance plan, while Geico offers mechanical breakdown insurance (MBI) and pay-per-mile insurance options.
When it comes to usage-based insurance programs, both companies offer options to monitor your driving habits and potentially earn discounts. Allstate’s Drivewise program monitors safe speed, braking, time of day driven, and mileage, while Geico’s DriveEasy program monitors distracted driving, hard braking, cornering, smoothness, road type, distance driven, time of day, and weather.
In terms of cost, Geico is generally cheaper than Allstate, with good drivers paying an average of $1,995 per year for full coverage compared to Allstate’s average of $3,340 per year. Geico also offers more discounts, with 16 available compared to Allstate’s 12. Both companies offer bundling options for additional insurance products like homeowners, renters, and life insurance.
In conclusion, while both Geico and Allstate offer good coverage options and reliable service, Geico tends to be the more affordable option for most drivers. However, it’s important to compare quotes from both companies to find the best rate for your specific needs. Additionally, there are other top-rated insurers like USAA and State Farm that may be worth considering based on your individual circumstances.