Allstate vs GEICO

Verdict

GEICO and Allstate are the third- and fourth-largest U.S. auto insurers, and they suit different shoppers. GEICO, a Berkshire Hathaway subsidiary, wrote $42.91 billion of private passenger auto premium in 2025 (11.55%). It sells mainly direct, online, by phone and in its app. Allstate, publicly traded, wrote $37.67 billion (10.14%) through more than 27,400 exclusive agents, a direct channel and, for National General, independent agents. Both sell in all 50 states and D.C.

GEICO has the stronger ratings profile: A++ (Superior) from AM Best, affirmed April 2026, against Allstate's A+ (Superior), affirmed September 2026. In the J.D. Power 2026 U.S. Auto Insurance Study GEICO beat the regional average in seven of 11 regions, Allstate in four. Their 2025 claims scores were close and both below the 700 average: GEICO 697 (tied 13th of 20), Allstate 693 (15th). Allstate leads on choice of channel and add-ons. It offers Milewise pay-per-mile, Accident Forgiveness, Auto Replacement Protection, and bundling perks such as a deductible waiver when one event damages car and home.

Price depends on the driver and the state. Get quotes from both.

Choose Allstate if

• You want a local agent, with the option to buy online too.
• You drive little and would benefit from pay-per-mile Milewise (21 states and D.C. at the end of 2025).
• You want a newer replacement car if yours is totaled (Auto Replacement Protection, 48 states and D.C.).
• You will bundle home and auto and want the renewal guarantee and shared-deductible waiver.
• You live in California or New England, where Allstate ranked third in 2026.

Choose GEICO if

• You are comfortable managing your policy yourself online or in an app.
• You want the top AM Best rating (A++) and Berkshire Hathaway backing.
• You qualify for military, deployed-driver (up to 25%), federal employee or group affinity discounts.
• You live in New York, where GEICO ranked second in 2026 and Allstate scored below average.
• You want mechanical breakdown insurance on a new car.

Key differences

Both companies' telematics programs can raise your rate in some states, so read the terms (see telematics programs from the major insurers compared). Allstate says its prices can differ by channel, so an agent quote and an online quote may not match. Compare equal coverage with the car insurance quote comparison worksheet.