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GEICO vs Allstate: which is cheaper in 2026?

DW By Dana Whitfield · Reviewed by the BudgetAutoRates editorial team Updated July 2026 620 matched quote pairs
Penny'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.

Head to head

CategoryGEICOAllstateEdge
Avg liability / mo$45$61GEICO
Avg full coverage / mo$133$149GEICO
Teen driver added cost+$148/mo+$176/moGEICO
Rate after one at-fault accident+42%+31%Allstate
Claims satisfaction (J.D. Power)871889Allstate
Discount programs1619Allstate
Mobile app rating4.84.3GEICO
Local agentsNo10,000+Allstate

Sample data for layout purposes. Production numbers come from matched-quote sampling plus public J.D. Power and NAIC data, per the methodology page.

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

Neither might be your cheapest. Penny reads all the rate sheets, not two.

See My Real Rates

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%. Penny's fine-print note: ask about accident forgiveness before you need it, not after.