Allstate vs GEICO Car Insurance

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In a nutshell...
  • In 2010, GEICO had over 10 million satisfied policyholders and continued its strong growth today
  • GEICO came into being in 1936 with a lot of hard work from the founders, Lillian and Leo Goodland
  • Allstate insurance has implemented new programs that give customers flexibility and multiple discount opportunities

Owning quality car insurance is important for drivers, making sure they are financially protected in the case of an accident.

Liability insurance is required in almost every state, and given the cost of repairing a car or covering medical bills, auto insurance is a wise investment.

Car Insurance premiums do make up a significant part vehicle ownership, however, so you need to shop around and compare car insurance companies.

Both Allstate car insurance and GEICO are two of the most respected car insurance companies nationwide.

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About Allstate Car Insurance

Allstate was founded as a side business of Sears, Roebuck, and Co., back in 1931.

It was a very successful business and experienced high growth through the years, finally splitting from Sears and becoming its own company. Allstate went public in 1995 and had never looked back.

With its headquarters in Northfield Township, Illinois, Allstate holds the number two position on the list of the nation’s largest insurance companies, right behind State Farm.

The company’s slogan for many years has been, “You’re in good hands with Allstate.”

About GEICO Car Insurance

GEICO came into being in 1936 with a lot of hard work from the founders, Lillian and Leo Goodland.

They created a business with honest, ethical principles and great products, which helped GEICO grow into a reliable company over the years.

A young investor bought shares in the company in 1951, while he was a college student.

About 23 years later that student, who had turned out to be the famous investor Warren Buffet, bought the rest GEICO’s shares and bought the company in under the umbrella of Berkshire Hathaway.

Who has better car insurance rates – Allstate or GEICO?

Allstate insurance has implemented new programs that give customers flexibility and multiple discount opportunities.

Along with accident forgiveness, the company offers specific policy plans that can lock in premiums regardless of any new accidents, and also provides a 5 percent discount every six months for drivers who do not have any accidents.

GEICO likes to make insurance simple and straightforward, offering efficient service and low rates to its customers. The company employs continuous improvement and always looks for new ways to discount premiums for their customers.

An insurance study was performed by California’s Department of Insurance, to estimate the annual insurance costs across a list of some of the largest and best-known insurance companies in the nation.

Using a profile of a 40-year old male who drives a Honda Accord about 10,000 miles each year and who have not received any tickets or had an accident, the estimated annual premium for Allstate was $1,321.

Using the same information, a GEICO policy was estimated to cost slightly more at $1,408. Both of these rates compare favorably with the national average insurance rate across all insurance companies per year of $1,440.

Allstate Customer Service Review

Allstate believes in educating their customers and helping them get the best insurance for their needs.

The company provides a wealth of insurance information on its website and makes critical phone numbers and policy option information readily available.

Allstate’s website allows users to search for applicable discounts and calculate the potential cost savings from switching.

GEICO Customer Service Review

GEICO makes buying insurance online easy with its highly rated website.

The independent research company Forrester rated GEICO’s website as one of the top 10 easiest-to-use insurance websites.

GEICO also ranks high in customer surveys for providing efficient, high-quality policyholder service.

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Product Offerings

Allstate has several company subsidiaries that offer a wide variety of insurance products, along with investment and other financial products.

Some of the products Allstate offers its customers are:

  • Auto, personal property, homeowners, and commercial vehicle insurance
  • Small business insurance
  • Estate planning products
  • Annuities, mutual funds, IRAs and life insurance

GEICO offers a less diverse catalog of products and focuses primarily on insurance coverage with more than 18 different types of insurance options to its customers.

These options include:

  • Auto Insurance
  • ATV, Motorcycle and Watercraft Insurance
  • Flood Insurance
  • Mobile home and RV Insurance
  • Classic and Collector Car Insurance

Allstate and GEICO Advertising Campaigns

Both Allstate and GEICO are pretty famous for their car insurance commercials and spend well over $1 billion a year combined promoting their brands.

GEICO, known for its witty commercials, has many different characters featured including Gordon the Gecko, the Cavemen, and a pair of googly eyes stuck on a stack of money as some of its commercial stars.

The googly eyes commercials talk about “the money you could be saving,” and the Cavemen were so famous they had their short-lived television series.

Watch the commercial here.

Allstate had been using its “You’re in good hands with Allstate” slogan for many years, and has recently changed it to “That’s Allstate’s stand,” and also uses “Are you in good hands?”

The recently famous face of Allstate is Mayhem, a man portraying all kinds of chaotic events and unexpected accidents that can occur while driving.

Which car insurance company is better?

When shopping for car insurance, one of the ways to find the best price is to obtain quotes from several insurance companies.

Each company uses its methodology to price insurance coverage, and everyone’s situation is unique. One of the benefits of choosing Allstate is the wide variety of products they can offer to their customers.

Bundling different insurance products together can usually save a good amount on overall premiums.

However, if its just car insurance you need both GEICO and Allstate should be on your car insurance comparison list as either of these providers have an excellent reputation and affordable car insurance premiums for most drivers.

Finding the Best Car Insurance

Car insurance comparison used to take a long time, but thanks to the Internet, getting multiple quotes can be done in less than an hour.

Most of the large auto insurance companies offer free quotes online, and some insurers even provide the ability to compare quotes from multiple providers at the same time.

However, your search for car insurance it’s important always to take advantage of the information online and compare as many providers as you can.

Enter your zip code below to get FREE car insurance quotes today!

FREE Car Insurance Comparison

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