Coverage Options

Both Allstate and GEICO offer standard auto insurance coverages, including:
✔ Liability coverage (bodily injury and property damage)
✔ Collision and comprehensive coverage
✔ Uninsured/underinsured motorist protection
✔ Medical Payments (MedPay) or Personal Injury Protection (PIP) (varies by state)

However, Allstate provides additional coverage enhancements, such as:

• Accident Forgiveness – Helps prevent rate increases after your first at-fault accident.
• New Car Replacement – If your new car is totaled within two years, Allstate will replace it with a brand-new car of the same make and model.
• Sound System Insurance – Covers damage or theft of custom stereo equipment.
• Deductible Rewards – Earn a $100 reduction on your deductible for every claim-free year (up to $500).

GEICO, on the other hand, stands out with:

• Mechanical Breakdown Insurance (MBI) – A cost-effective alternative to extended warranties, covering major car repairs for newer vehicles.
• Rideshare Insurance – Provides coverage for Uber and Lyft drivers, filling gaps in standard policies.

Verdict: If you want extra protection features like accident forgiveness and new car replacement, Allstate is a better fit. If you prefer low-cost extended mechanical coverage or rideshare insurance, GEICO is the better choice.

Pricing and Discounts

GEICO is known for offering lower base rates, especially for good drivers. Allstate’s premiums tend to be higher, but the company offers extensive discount opportunities that can lower your costs.

Allstate Discounts:
✔ Safe driving discount
✔ Multiple policy discount (bundling home and auto)
✔ Good student discount
✔ New car discount
✔ Drivewise® (usage-based discount program)
✔ Early signing discount (for renewing early)

GEICO Discounts:
✔ Multi-policy discount
✔ Multi-vehicle discount
✔ Safe driver discount
✔ Good student discount
✔ Military and federal employee discount
✔ Defensive driving course discount

GEICO also offers a discount for members of certain professional organizations and affinity groups, making it an excellent option for government employees and military families.

Verdict: GEICO usually offers lower base rates, but Allstate provides more opportunities to save through its Drivewise® program and bundling discounts.

Claims Process

Both companies allow customers to file claims 24/7 through their mobile apps, websites, and customer service hotlines.

• GEICO’s digital claims system is one of the most efficient in the industry, making it easy to file and track claims online.
• Allstate provides a Claims Satisfaction Guarantee, meaning if you’re unhappy with your claims experience, they offer a credit toward your premium.
• GEICO generally processes minor claims faster, while Allstate has a strong reputation for handling complex claims effectively.

Verdict: If you want a fast, digital-first claims process, GEICO is the better choice. If you value a satisfaction guarantee and a hands-on claims experience, Allstate is a strong contender.

Customer Service

Both Allstate and GEICO have strong customer support, but they differ in their service models:

✔ Allstate operates through a network of local agents, meaning you’ll have a dedicated agent for assistance.
✔ GEICO primarily operates online and by phone, making it best for customers who prefer a fully digital experience.

If you prefer a personal relationship with an agent who can assist with policy questions and claims, Allstate is the better option. If you are comfortable managing your policy online and want a self-service approach, GEICO is the way to go.

Unique Features

Each company offers exclusive perks that may influence your decision:

✔ Allstate:

• Drivewise® Program – Earn rewards and discounts based on safe driving habits.
• Claim Satisfaction Guarantee – Provides a credit toward your next premium if you’re unhappy with your claims experience.
• New Car Replacement – Replaces your car with a new one if it’s totaled within the first two model years.

✔ GEICO:

• Mechanical Breakdown Insurance (MBI) – Provides extended coverage for major repairs at a lower cost than dealership warranties.
• Rideshare Insurance – Great for Uber and Lyft drivers.
• Government and Military Discounts – Special pricing for federal employees and military families.

Verdict: If you want personalized service and unique coverage perks, Allstate wins. If you prefer digital convenience and lower rates, GEICO is the stronger choice.

Availability

Both Allstate and GEICO operate in all 50 states, so coverage availability isn’t an issue.

• GEICO’s services are entirely online and over the phone, making it a great option for drivers who want a fast, digital experience.
• Allstate has thousands of local agents, which is beneficial if you prefer in-person service.

If you like having a local agent, Allstate is a better choice. If you want a fully digital experience with lower costs, GEICO is the way to go.

Reputation and Reviews

Both Allstate and GEICO have strong reputations in the industry, with high financial strength ratings from AM Best.

✔ GEICO is known for its affordability, fast claims process, and strong digital experience.
✔ Allstate is recognized for its excellent customer service, comprehensive coverage options, and satisfaction guarantee.

Customer reviews suggest:

• GEICO is preferred by budget-conscious drivers who value an efficient, digital-first experience.
• Allstate appeals to drivers who want a personal agent and enhanced coverage benefits.

Which One is Right for You?

✔ Choose GEICO if you want:
✅ Lower base rates and extensive discounts
✅ A fast, digital-first insurance experience
✅ Mechanical Breakdown Insurance (MBI) for newer cars
✅ Rideshare insurance for Uber and Lyft drivers

✔ Choose Allstate if you want:
✅ Personalized service with a local agent
✅ Unique coverage options like New Car Replacement and Deductible Rewards
✅ Accident Forgiveness and Claim Satisfaction Guarantee
✅ Usage-based discounts through Drivewise®

Still unsure? Blake Insurance Group can help you compare both options and find the best auto insurance policy for your needs.

📞 Contact us today for a free quote! Let’s find the best coverage for you. 🚗💨