GEICO vs Allstate
A detailed comparison of GEICO and Allstate car insurance, covering coverage options, discounts, safe-driving programs, accident forgiveness, additional protection and important policy features.
GEICO vs Allstate is a useful comparison for drivers who want to understand how two major U.S. auto insurers differ. Both companies offer liability, collision and comprehensive coverage, optional protections, discounts and technology-based programs, but the details, eligibility requirements and availability can vary by state, driver and policy.
GEICO vs Allstate: Quick Overview
Key differences to understand before comparing individual quotes.
| Feature | GEICOAuto Insurance | AllstateAuto Insurance |
|---|---|---|
| Liability Coverage | Available | Available |
| Collision Coverage | Available | Available |
| Comprehensive Coverage | Available | Available |
| Uninsured / Underinsured Motorist | Available | Available |
| Medical / Injury Protection Options | Available depending on state and policy | Available depending on state and policy |
| Rental Reimbursement | Available | Available |
| Roadside Assistance | Available | Available |
| Accident Forgiveness | Available in qualifying situations | Available in qualifying situations |
| Telematics / Safe Driving Program | DriveEasy | Drivewise |
| New-Car Protection Options | Coverage options vary by policy | New car replacement may be available |
| Discount Opportunities | Multiple categories | Multiple categories |
GEICO and Allstate at a Glance
What each company brings to the auto insurance comparison.
GEICO Auto Insurance
GEICO offers a broad range of auto insurance coverage and savings opportunities. Its official auto insurance information highlights bundle savings, DriveEasy safe-driving rewards, multi-vehicle discounts and other policy-based discounts.
- Liability, collision and comprehensive coverage
- Uninsured and underinsured motorist protection
- Rental reimbursement and roadside assistance options
- DriveEasy telematics program
- Claim Forgiveness for qualifying policies
- Multiple vehicle, driver and policy discount categories
Allstate Auto Insurance
Allstate provides a wide range of auto coverage options and combines traditional insurance with programs such as Drivewise, Accident Forgiveness and additional vehicle protection options.
- Liability, collision and comprehensive coverage
- Uninsured and underinsured motorist coverage
- Medical payments and personal injury protection options
- Drivewise safe-driving program
- Accident Forgiveness
- New car replacement and other optional protections
GEICO vs Allstate Coverage Options
The two companies offer many of the same core auto insurance protections, while optional coverage details can differ.
Liability
Both insurers provide bodily injury and property damage liability coverage, subject to the policy and state requirements.
Collision
Collision coverage can help pay for covered damage to your vehicle after a collision, subject to the selected deductible and policy terms.
Comprehensive
Comprehensive coverage can protect against covered losses other than collision, such as theft, fire, weather-related damage and certain other events.
Uninsured Motorist
Both companies provide uninsured and underinsured motorist options where available, with availability depending on state.
Rental Protection
Rental reimbursement can help with transportation expenses while a vehicle is being repaired after a covered claim, subject to selected limits.
Roadside Assistance
Roadside assistance options are available from both insurers, with specific services and terms determined by the policy.
Important Coverage Differences
Comparing only the basic policy price can hide important differences. When reviewing GEICO and Allstate, compare the actual limits, deductibles and optional coverages shown in each quote.
GEICO vs Allstate Discounts
Discount eligibility is one of the most important parts of a personalized car insurance quote.
GEICO Discount Categories
GEICO says its discount opportunities can be based on vehicle equipment, driving history and habits, driver education, affiliations and policy choices.
- Safe driving opportunities
- Vehicle equipment discounts
- Multi-vehicle savings
- Good student opportunities
- Defensive driver discounts
- Policy and payment-related discounts
- DriveEasy telematics savings where available
Allstate Discount Categories
Allstate offers multiple discount opportunities and programs, including safe-driving participation through Drivewise and discounts connected to policy and driver characteristics.
- Drivewise safe-driving savings
- Safe driver discounts
- Good student opportunities
- Multi-policy savings
- Vehicle and safety-related discounts
- Payment and policy-related savings
- Additional discounts based on eligibility
GEICO DriveEasy vs Allstate Drivewise
Both insurers use telematics programs to incorporate driving behavior into their insurance experience.
| Driving Program | GEICO DriveEasySafe-driving technology | Allstate DrivewiseDriving insights & rewards |
|---|---|---|
| Program purpose | Rewards qualifying safe-driving behavior | Measures driving behavior and can provide savings |
| Driving behavior | Used as part of the telematics program | Used to calculate driving insights and performance |
| Potential savings | Eligibility and amount vary | Eligibility and amount vary |
| Availability | Varies by state and policy | Varies by state and policy |
What should drivers consider?
If you are considering a telematics program, look beyond the advertised discount. Review how driving behavior is measured, how the program affects your renewal, what information is collected, and whether the program is available in your state.
GEICO vs Allstate Accident Forgiveness
Accident forgiveness can be important for drivers concerned about how a qualifying accident may affect future premiums.
GEICO Claim Forgiveness
GEICO states that Claim Forgiveness may prevent an insurance rate increase after a first qualifying loss when the benefit applies. It may be earned or purchased depending on eligibility.
GEICO also states that free Claim Forgiveness can apply to eligible rated drivers who have been accident-free for five years or more, subject to state and policy requirements.
Allstate Accident Forgiveness
Allstate offers Accident Forgiveness as an auto insurance feature that can protect against a rate increase after a qualifying accident, subject to the applicable terms.
Availability, eligibility and the exact effect on a policy can vary by state and individual policy.
Other Features Worth Comparing
A useful insurance comparison should include more than premiums.
Claims Experience
Review claim reporting, digital tools, repair options, communication and the coverage terms that apply to your policy.
Digital Tools
Both companies provide online and mobile tools for managing policies, claims and other insurance tasks.
Roadside Assistance
Check the exact services, limits and cost of roadside assistance before adding it to a policy.
Newer Vehicles
Owners of newer vehicles should compare replacement, repair, rental and loan or lease-related protections.
Policy Bundling
If you insure multiple vehicles or other types of property, compare the total bundled policy cost rather than only the auto premium.
State Availability
Coverage, discounts and optional features can vary by state, so the same comparison may produce different results for different drivers.
How to Compare GEICO and Allstate Quotes
Use the same coverage structure when reviewing both insurers.
GEICO vs Allstate FAQ
Common questions about comparing these two auto insurers.
Is GEICO the same as Allstate?
No. GEICO and Allstate are separate insurance companies that offer auto insurance products. Their coverage options, discounts, pricing and eligibility requirements can differ.
Does GEICO offer Accident Forgiveness?
Yes. GEICO offers Claim Forgiveness for qualifying policies. Availability and eligibility vary by state and policy.
Does Allstate offer Accident Forgiveness?
Yes. Allstate lists Accident Forgiveness among its auto insurance features. Terms and availability depend on the applicable policy and state.
What is the difference between DriveEasy and Drivewise?
DriveEasy is GEICO’s telematics program, while Drivewise is Allstate’s driving-based program. Both use driving information to provide safe-driving insights and potential savings, but their rules and eligibility can differ.
Does Allstate offer new car replacement?
Allstate offers new car replacement protection for qualifying vehicles and policies. Eligibility and exact terms should be checked for the driver’s state and policy.
Does GEICO offer coverage beyond standard auto insurance?
GEICO offers additional auto-related options, including rental reimbursement, roadside assistance and Mechanical Breakdown Insurance for qualifying vehicles where available.
Can GEICO and Allstate prices be compared directly?
Yes, but the most useful comparison uses matching liability limits, deductibles, vehicles, drivers and optional coverages. A lower premium is not directly comparable if the policy provides different protection.
Do GEICO and Allstate offer the same discounts everywhere?
No. Both insurers state that discounts and features can vary by state, eligibility, policy and other factors.
Compare Before You Choose
The right auto insurance comparison starts with matching coverage, limits, deductibles and eligible discounts. Explore the company pages on Newest Cars Insurance to learn more about each insurer.
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