Benji Carr

Former Licensed Life Insurance Agent

Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Former Licensed Life Insurance Agent

Laura Berry

Former Insurance Agent

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Former Insurance Agent

UPDATED: Oct 5, 2023

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To Sum It Up

  • Geico offers cheaper average rates to military and veterans in most states compared to Allstate
  • Both Geico and Allstate offer military discounts, but Allstate’s rate reductions are more limited
  • A.M. Best gave Allstate an A+ financial score while Geico has an A++ rating

Military personnel and veterans help protect our country. Fortunately, if you served in the military, you may qualify for some of the best auto insurance deals in the United States. But does Allstate or Geico offer the best auto insurance for military and veterans?  

According to our data, Geico offers cheaper average rates to military and veterans in most states. While both companies provide discounts relevant to military persons, Allstate’s rate reductions are more limited. According to A.M. Best’s financial evaluations, both companies are financially sound, but Geico earned a slightly higher score than Allstate. 

Keep reading to compare average annual rates from each company, learn about available discounts relevant to military personnel, and learn how to determine if Allstate or Geico is a better car insurance company for you. 

Does Allstate or Geico offer better auto insurance for military and veterans?

Members of the military are typically directed to USAA for cheap auto insurance coverage. This company only services active or retired military and their immediate families. However, both Allstate and Geico provide competitive rates in many ZIP codes and offer relevant discounts to help people associated with the armed forces save money. 

The two companies are recognizable to most drivers, operate in all 50 states, and share many similarities. Geico is currently the second-largest auto insurance company nationally, while Allstate is the fourth-largest.

Both offer highly-rated mobile apps compatible with most Apple and Android devices for consumer convenience. The companies also provide usage-based insurance programs for their customers, Drivewise from Allstate and DriveEasy from Geico.

Allstate and Geico allow you to file claims online, through the mobile app, or over the phone at any time of day. Real customers for both companies rate the claims departments similarly. 

So when it comes to Allstates vs. Geico, which company is better for you? 

Overall, most military persons and veterans will secure cheaper rates with similar coverage options from Geico compared to Allstate. 

Geico also has a designated Military Center with a separate phone line to help veterans and active military personnel make the most of their auto insurance policy. Qualified drivers can call 1-800-645-4827 (MILITARY) to speak with staff who also have military backgrounds to discuss insurance needs. No such department exists at Allstate.

To accurately establish which of the two companies better fit your needs, compare quotes from Allstate and Geico for policies with the same coverage levels. Determining your best company also depends on where you live, what discounts you might qualify for, how many people will be on your policy, what coverages you require, and the types of vehicles you’re insuring.

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What are the average costs of Allstate vs. Geico auto insurance rates?

Overall, Geico provides cheaper average military and veteran car insurance rates in most states than Allstate. Nationally, Geico car insurance rates cost $269.48 per month or $3,233 annually on average. 

By comparison, Allstate auto insurance rates cost $409.95 per month or $4,919.43 annually on average. 

Find your state in the table below to compare the average yearly car insurance cost from Geico and Allstate where you live. 

Allstate vs. GEICO Average Annual Auto Insurance Rates by State
StateAllstate Average Annual Auto Insurance RatesGeico Average Annual Auto Insurance Rates
District of Columbia$6,468.92$3,692.81
New Hampshire$2,737.70$1,611.67
New Jersey$5,713.58$2,754.94
New Mexico$4,200.53$4,457.62
New York$4,740.96$2,428.24
North Carolina$7,190.43$2,936.69
North Dakota$4,669.31$2,668.24
Rhode Island$4,959.45$5,602.63
South Carolina$3,903.42$3,178.01
South Dakota$4,719.78$2,925.91
West Virginia$4,851.09$3,923.74

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The states where Allstate underwrites lower average quotes than Geico are Hawaii, Nebraska, New Mexico, Rhode Island, and Wyoming. Geico provides significantly cheaper rates in other regions, sometimes saving drivers as much as $2,000 annually. 

If you plan on adding any teenagers to your policy, Geico typically underwrites lower overall rates for young or new drivers than Allstate. 

However, if you are a mature driver who does not need to include any younger people on your policy, Allstate provides older adults with very competitive rates.  

What coverage options are available with Allstate vs. Geico?

Allstate and Geico offer countless coverage options that vary slightly by company. However, Geico provides more specific options for active military personnel than Allstate. 

To help you choose between the two insurance companies, determine the types and levels of coverage you require, especially if you are a retired veteran. 

You can purchase all of the basic car insurance coverages from both companies. Each also sells insurance for traveling to Mexico, personal umbrella policies, and classic car insurance coverage. 

Allstate’s accident forgiveness options may suit you better if you are considered a higher-risk driver. 

You can purchase this coverage from Geico or earn it for free after five years of filing no claims with the company. However, Allstate rewards drivers with a diminishing collision deductible for signing up. Each year you drive without an accident, the company takes $100 off your deductible, up to $500. 

Allstate also sells custom equipment coverages not available through Geico. The company even provides GAP insurance for folks who lease or finance their vehicle, while Geico does not. 

Yet,  if you are active in the military, know that only Geico offers Storage Protection Plans if your duties require you to store your vehicle for 30 days or more. 

On the other hand, Allstate only allows customers to pause or reduce coverage levels for vehicle storage on a case-by-case basis. 

Geico additionally helps military members secure 12-month overseas auto policies providing you with all documents required to register your vehicle. Plus, marine insurance is also available if you are shipping your vehicle. Geico has overseas offices in Belgium, Germany, Italy, Spain, and the United Kingdom. 

What military or veteran discounts do Allstate and Geico offer?

Both Allstate and Geico offer many basic car insurance discounts that civilian drivers are also eligible to earn, including safe driver, multi-vehicle, and claim-free rate reductions. 

But when it comes to getting good deals on auto insurance for veterans and military persons, Geico comes out on top compared to Allstate. 

Some sources suggest Allstate provides a considerable military discount taking up to 25% off your entire policy. However, the rate reduction appears only available for military drivers and their families in Louisiana. 

Yet, Geico provides a 15% military discount for Army Reserve and National Guard members in almost every state. Plus, Geico gives the same rate reduction to veterans, which is something Allstate does not do. 

On top of the initial discount of 15%, Geico offers up to 25% off car insurance rates with an emergency deployment discount. Allstate does not offer a garaging or storing discount to customers. This savings opportunity has limitations, but eligible military folks who are deployed to an imminent danger pay area or maintain their cars according to an approved storage protection plan may qualify.

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Are Allstate or Geico ratings and reviews better?

You have learned about the different company discounts and rates. Now, let’s examine Allstate and Geico’s customer ratings and financial evaluations. Cheap rates are not the only thing that makes an insurance policy good. You also want to ensure the company you sign a contract with is reliable and efficient, especially after experiencing something as stressful as a car accident. 

If you are deployed as part of your military duties, you also want to verify that your auto insurance company will help you through the process and ensure you don’t experience a coverage lapse while serving our country. 

When it comes to credit scores and financial stability, both Allstate and Geico rank very highly with A.M. Best. Allstate has garnered an A+ rating of superior with A.M. Best, while Geico has received an outstanding A++ rating. 

This means both companies can reliably follow through on all promises to policyholders. 

But Geico’s customer reviews are slightly better than Allstate’s. Neither company is accredited by the Better Business Bureau (BBB), but the BBB gave Geico an A+ score, while it awarded Allstate an A. These scores imply that the BBB believes both companies interact well with consumers, but Geico goes above and beyond. 

Geico also has a better complaint index ratio than Allstate, according to the National Association of Insurance Commissioners (NAIC). This means Geico earned fewer customer complaints compared to the median than what Allstate received. 

Keep these evaluations in mind while you shop around for affordable auto insurance for veterans and military personnel.  

Comparison of Allstate vs. Geico: Optimal Auto Insurance for Military and Veterans – Claim Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Both Allstate and GEICO offer convenient ways to file insurance claims. Customers can file claims online through their respective websites, use mobile apps available for Apple and Android devices, or file claims over the phone. These multiple options make it easy for customers to report accidents and damages in a way that suits their preferences and needs.

Average Claim Processing Time

While specific claim processing times can vary depending on the nature of the claim and individual circumstances, both Allstate and GEICO aim to process claims efficiently. The average claim processing time may vary, but customers can expect timely responses and resolutions, with a focus on minimizing any delays in claim settlements.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts for both Allstate and GEICO has been positive overall. Real customers have rated the claims departments of both companies similarly, indicating that they are satisfied with the handling of their claims. This suggests that both insurers are dedicated to providing fair and efficient claim resolutions, which is crucial for customer satisfaction.

Allstate vs. Geico: Best Auto Insurance for Military and Veterans – Technology Comparison

Mobile App Features and Functionality

Both Allstate and GEICO offer highly-rated mobile apps compatible with most Apple and Android devices. These apps provide a range of features and functionalities, including the ability to manage policies, view and pay bills, access digital ID cards, and report and track claims. The user-friendly interfaces make it convenient for customers to access their insurance information and services on the go.

Online Account Management Capabilities

In addition to mobile apps, both Allstate and GEICO provide robust online account management capabilities through their websites. Customers can log in to their accounts to make policy changes, update personal information, review coverage details, and more.

The online platforms offer a seamless and efficient way for customers to manage their insurance policies and accounts from the comfort of their homes.

Digital Tools and Resources

Both insurers offer a variety of digital tools and resources to assist customers in making informed decisions about their insurance needs. These resources may include online calculators for estimating coverage requirements, educational materials about insurance options, and helpful guides on various insurance-related topics.

Allstate and GEICO prioritize providing digital tools that enhance customer understanding and engagement with their insurance products.

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Allstate vs. Geico for Military and Veterans: The Bottom Line

Geico provides cheaper auto insurance rates with more relevant discounts for most active military members and retired veterans than Allstate. However, this may not be the case in all states, as Allstate is cheaper than Geico in some zip codes. 

But Geico also received fewer customer complaints than Allstate. It even provides a separate military service department to assist veterans and active military with all their car insurance questions and needs, setting it apart from Allstate even further. 

Ultimately, to decide for yourself which of the two companies can serve you better, compare quotes from both companies online.