A comparison of Allstate, Geico, Progressive and State Farm reveals the strengths of each company. When buying car insurance, you'll want to weigh price, customer service and other factors important to you. Here's a look at how the four largest insurers stack up in various categories.
Best price: State Farm
State Farm offers the cheapest rates, based on premiums reported by EverQuote users with good driving records and full coverage car insurance policies.
Price comparison: Allstate vs. Geico vs. Progressive vs. State Farm
|Insurance company||Annual average premium paid|
|Source: EverQuote, based on user-reported premiums paid for full coverage car insurance with 100/300/50 in liability, collision, comprehensive and 100/300 uninsured motorist coverage. Premiums reflect good drivers insuring a single car from model year 2000 or newer. Based on premiums reported from 12/11/2015 to 8/7/2017. Your own rates will be different.|
It's important to shop around for good rates Your own driving record, location and other personal factors could mean that other insurance companies will be able to offer you better prices.
Compare: Auto insurance quotes
Best for customer satisfaction by region
J.D. Power's 2017 U.S. Auto Insurance Study measured the best car insurance companies based on satisfaction with policy offerings, price, interaction, claims, and billing process and policy information. Below are the highest overall satisfaction scores by region among Allstate, Geico, State Farm and Progressive.
Best for low complaints: Allstate
Allstate has the fewest complaints from its auto insurance customers, according to data from the National Association of Insurance Commissioners. Complaint ratios represent the number of complaints in relation to a company's market share.
Special coverage types will vary by insurance company. If you're looking for options such as rideshare insurance or accident forgiveness, it will affect your choice of insurers.
Allstate vs. Geico vs. Progressive vs. State Farm: Who has what you want?Availability varies by state
|Usage-based insurance||Yes, Drivewise||No||Yes, Snapshot||Yes, Drive Safe & Save|
|Rideshare insurance||Yes, Ride for Hire||Yes||Yes, but limited availability||Yes, Rideshare Driver Coverage|
|Accident forgiveness car insurance||Yes||Yes||Yes||No|
|New car replacement||Yes||No||No||No|
Comparing car insurance discounts
Getting car insurance discounts is an important way to lower your cost. Remember to compare final prices among insurers rather than simply looking at lists of discounts. Actual discount amounts often vary by state. Also, discount percentages might apply to only certain parts of your auto insurance policy, not the whole price.
Common car insurance discounts include price breaks for:
- Having anti-lock brakes, airbags or an antitheft device
- Being a good driver for a certain number of years
- Insuring more than one car (called a multi-vehicle discount)
Allstate vs. Geico vs. Progressive vs. State Farm discounts
|Bundling discount (for buying both auto and home insurance, or other policies together)||10% off auto and 25% off home premiums.
Auto with renters, condo or and life insurance bundling discount also available.
|For buying auto insurance plus a homeowners, renters, condo or mobile home policy||Up to 17% if you buy homeowners, renters, condo or life insurance along with auto insurance.||5% or more when you bundle auto insurance with homeowners, motorcycle or other policies.|
|Good driver or accident-free discount||Yes||Yes||Yes||Yes|
|Good student discount||Yes||Up to 15%||Up to 25%||Yes|
Geico offers the broadest array of discounts when comparing Allstate, Geico, Progressive and State Farm. Geico has a large number of discounts for members of specific groups such as golf associations, alumni associations, fraternities and sororities and many other groups.
Other available car insurance discounts
Availability may vary by state
Biggest company: State Farm
State Farm holds the largest market share for private passenger auto insurance. Together Allstate, Geico, Progressive and State Farm hold close to 50% of the market.
How to choose the best company
There are many car insurance companies competing for your business no matter where you live. If your main goal is to find a good price, get price quotes from multiple companies. Don't rely on friends and family to recommend a good deal. That's because the best company for you will vary based on your location, driving record, credit (in most states) and other factors. Also, if your driving record has changed over the years, the company that offered a good deal previously may no longer be cheap for you.