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Comparing Allstate, GEICO, Progressive and State Farm Car Insurance

The nation’s largest car insurance companies are available to most drivers, but finding the right fit depends on the features you value most.
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Jul 23, 2025
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Allstate, GEICO, Progressive and State Farm are the four largest car insurance companies in the U.S. All four have been in business for decades, enjoy strong financial strength ratings and are well known in the industry.

Together, they held more than 50% of the total market share of personal auto insurance policies in 2024, according to the National Association of Insurance Commissioners (NAIC).

These four insurers scored high ratings in NerdWallet’s 2025 analysis of the best car insurance companies, so we compared them on important topics like price, customer complaints and coverage options.

How does Allstate car insurance compare?

Allstate Auto Insurance

Allstate

With plenty of coverage options and discounts, this auto insurance giant is worth a look.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Close to expected

Allstate is a good pick for: Drivers who are willing to pay more to get extra coverage options.

Allstate offered five of the eight optional coverage types we looked for, including new car replacement and accident forgiveness. Allstate was also the only one of these four companies to offer pay-per-mile insurance, a type of policy where you pay a base rate plus a per-mile rate.

Allstate vs. GEICO

Allstate offers a wider selection of coverage types than GEICO, including new car replacement coverage. However, GEICO is often cheaper than Allstate and offers more discounts as well.

Average rates: Here's how Allstate's average rates compare to GEICO's average rates for common driver profiles:

  • Good driver with good credit: $3,919 from Allstate vs. $2,275 from GEICO

  • Good driver with poor credit: $6,103 from Allstate vs. $3,211 from GEICO

  • Driver with a recent at-fault accident: $6,213 from Allstate vs. $3,898 from GEICO

  • Driver with liability-only coverage: $846 from Allstate vs. $492 from GEICO


See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.


How does GEICO car insurance compare?

GEICO Auto Insurance

GEICO

With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Close to expected

GEICO is a good pick for: Drivers who want cheap rates and a lot of discounts.

GEICO's user-friendly website and mobile app make filing claims and making changes to your policy easy. And while GEICO may not offer the most types of optional coverage, the company's wide range of discounts can make its budget-friendly premiums even cheaper.

GEICO vs. Allstate

Although Allstate offers a wider selection of coverage types than GEICO, including new car replacement coverage, GEICO is often cheaper than Allstate for most driver profiles. So if you’re choosing between GEICO and Allstate, GEICO may be right for you if price is your main concern.

Average rates: Here's how GEICO's average rates compare to Allstate's average rates for common driver profiles:

  • Good driver with good credit: $2,275 from GEICO vs. $3,919 from Allstate

  • Good driver with poor credit: $3,211 from GEICO vs. $6,103 from Allstate

  • Driver with a recent at-fault accident: $3,898 from GEICO vs. $6,213 from Allstate

  • Driver with liability-only coverage: $492 from GEICO vs. $846 from Allstate

How does Progressive car insurance compare?

Progressive Auto Insurance

Progressive

Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
Discounts Great set of discounts
Ease of use Above average
NAIC complaints Close to expected

Progressive is a good pick for: Drivers who want a lot of optional types of coverage.

Progressive offered six of the eight optional coverage types we tracked in our comparison, including accident forgiveness, gap coverage and even pet injury coverage, which helps with veterinarian bills if your pet is injured in a covered accident.

Progressive vs. Allstate

Among the top four insurers, Progressive stands out for offering the most types of optional coverage according to our analysis. Progressive also received fewer complaints to state insurance regulators and offers cheaper rates, on average, than Allstate.

Average rates: Here's how Progressive's average rates compare to Allstate's average rates for common driver profiles:

  • Good driver with good credit: $2,228 from Progressive vs. $3,919 from Allstate

  • Good driver with poor credit: $3,577 from Progressive vs. $6,103 from Allstate

  • Driver with a recent at-fault accident: $3,338 from Progressive vs. $6,213 from Allstate

  • Driver with liability-only coverage: $650 from Progressive vs. $846 from Allstate

🤓Nerdy Tip

Most optional types of car insurance coverage cost extra, but some may be included at no additional charge depending on the insurer and the details of your policy. So if you're interested in rideshare or gap coverage, you should keep that in mind when you compare quotes from different insurers.

How does State Farm car insurance compare?

State Farm Auto Insurance

State Farm

With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.
Discounts Average set of discounts
Ease of use Above average
NAIC complaints Fewer than expected

State Farm is a good pick for: Drivers who prioritize a great mobile experience and high customer satisfaction.

Relative to its size, State Farm had the fewest complaints reported to state regulators out of the four insurers, according to the NAIC. State Farm also outscored Allstate, GEICO and Progressive on J.D. Power’s 2024 Auto Claims Satisfaction Survey and has the highest combined app ratings for iOS and Android devices.

State Farm vs. Allstate

Both State Farm and Allstate received fewer complaints than expected for companies of their size, according to the NAIC. But while Allstate offers some coverage types that State Farm doesn't — such as pay-per-mile and accident forgiveness — State Farm tends to be more affordable and provide a better mobile app experience.

Average rates: Here's how State Farm's average rates compare to Allstate's average rates for common driver profiles:

  • Good driver with good credit: $2,228 from State Farm vs. $3,919 from Allstate

  • Good driver with poor credit: $3,577 from State Farm vs. $6,103 from Allstate

  • Driver with a recent at-fault accident: $3,338 from State Farm vs. $6,213 from Allstate

  • Driver with liability-only coverage: $650 from State Farm vs. $846 from Allstate


See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.


Compare coverage options from each insurer

If you want to add a particular type of insurance coverage, you may find it with some companies and not others. We identified eight different optional coverage types and looked to see whether Allstate, GEICO, Progressive and State Farm carried them.

Company

Coverage options

Allstate

4.5NerdWallet rating
  • Accident forgiveness

  • Classic car coverage

  • New car replacement

  • Pay-per-mile insurance

  • Rideshare coverage

GEICO

4.5NerdWallet rating
  • Accident forgiveness

  • Classic car coverage (through partner)

  • Mechanical breakdown coverage

  • Rideshare coverage (through partner)

Progressive

5.0NerdWallet rating
  • Accident forgiveness

  • Classic car coverage (through partner)

  • Custom parts and equipment coverage

  • Gap insurance

  • Pet injury coverage

  • Rideshare coverage

State Farm

5.0NerdWallet rating
  • Classic car coverage

  • Rideshare coverage

Bundling your insurance policies

Comparing car insurance companies is the best way to find out if an insurer is right for you. And those comparisons are especially important if you're interested in bundling policies or purchasing other products from the same company.

Here are NerdWallet's reviews of different insurance products from Allstate, GEICO, Progressive and State Farm:

Frequently asked questions

The five largest car insurance companies in the nation are State Farm, GEICO, Progressive, Allstate and Liberty Mutual, according to the NAIC’s 2024 market share report.

Of the four largest insurers, State Farm has the highest ranking for customer satisfaction with auto claims based on a 2024 J.D. Power auto insurance claims satisfaction study.

Average annual car insurance rates for good drivers are cheaper from GEICO than from State Farm, according to NerdWallet’s 2025 rates analysis. These are only averages, however. Factors like your age, gender, location and vehicle affect your rates, so you should always shop around to find the lowest price for you.

GEICO ranked among the best car insurance companies, according to NerdWallet's 2025 analysis. GEICO also has some of the cheapest rates for certain driver profiles among the nation’s largest insurers. But only you can determine if GEICO’s offerings are the best match for your needs.


NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are median rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

We used a 2025 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

Here’s how we evaluated each car insurance company and the weights we placed on each category:

  • Financial strength (30%).

  • Consumer complaints (30%).

  • Ease of use (20%).

  • Affordability (20%).

The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.