Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 1, 2019

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Selecting an appropriate car insurance company can be a challenge. With hundreds of potential insurers, how do you know which is the best fit for you. Geico and Allstate are two highly visible insurers.

Both have excellent financial strength ratings, according to A.M. Best and Standard & Poor’s and this is a great benefit to their clients, because it means they either company is able to cover you when time comes to file a claim.

Comparing two heavy hitters like Allstate and Geico (the second and third largest auto insurance companies) however, can be tricky. Each has its advantages and specialties, and the quality of a company can be influenced as much by the specific product offerings as the company’s statistics at large.

There are a number of factors to consider when choosing any auto insurance company including specific offerings, discounts, reliability, and industry standards.

Use our FREE quote comparison tool to find auto insurance rates today!

About Allstate

Founded in 1931, Allstate is one of the oldest car insurance companies in the United States. They became a publicly traded company in 1993 and currently serves 17 million households through 14,000 agencies in the United States and Canada.

Among Allstate’s 13 lines of insurance are automobile, motorcycle, motor home, home, life, renter’s insurance and commercial insurance options. They also offer investment and banking products.

About Geico

A more recent arrival on the market, Geico was founded in 1936. In 1996, Warren Buffett’s company, Berkshire Hathaway, purchased it. Since that time, it has become one of the fastest-growing, most admired insurance carriers in the country.

Geico currently insures 10 million motorists and 16 million vehicles. The company also offers a wide range of other insurance products including boat, motorcycle, flood, property, and life insurance.

Comparing Allstate and Geico

Allstate and Geico are second and third in terms of car insurance market share. Allstate holds 10.5%, while Geico is a close runner-up with 8.2%. These rankings suggest the truth, which is that both of these companies are aggressively competitive and versatile insurance carriers.

While Geico specializes in auto insurance, it offers an increasing array of products to compete with Allstate’s impressive product diversity. Currently, Allstate offers a far broader array of insurance products, which may be advantageous if you’re looking for a multiple insurance policies or multi-policy discounts.

Geico, on the other hand, currently specializes in automobiles, which could be a major benefit if auto insurance is the only thing you need. In addition, their array of products is constantly growing.

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The networks of the two companies are very comparable, too. Geico has 12 major offices around the country, while Allstate has 14. Allstate employs a larger number of professionals, at 70,000 compared to Geico’s 24,000 associates.

According to J.D. Power and Associates most recent National Auto Insurance Study however, there are some discernible differences.

Allstate received a rating of three out of five for Overall Satisfaction, Contacting the Insurer, Policy Offerings, and Billing and Payment, with a two out of five for pricing. Geico, on the other hand, received ratings of four in everything except for Contacting the Insurer, where it garnered three.

According strictly to ratings Geico outweighs Allstate in every category but one.

Which Is Better?

The real question to ask is: Which is better for you? You’ve already started on the right track by doing your research. The best way to determine the right car insurance company for you is to compare auto insurance quotes from a wide range of providers, and select the one that best fits your needs and your pocketbook.

Some of the key questions are answered by both companies. Both are financially strong industry leaders with a wide array of products and a large network, which makes each company desirable.

In the end, the determining factor has to be your specific requirements for your car insurance provider.

Allstate and Geico are also not the only two car insurance companies around. From Amica Mutual to AAA to State Farmer there are well over 100 licensed car insurance companies in most states to choose from.

Start an auto insurance comparison search today and make sure to compare all your options before buying a policy.

Use our FREE quote comparison tool to find auto insurance rates today!

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