Allstate, Geico, Progressive or State Farm: Which One Is Best for You?

Auto Insurance, Insurance
USAA insurance review

Allstate, Geico, Progressive and State Farm are the four largest insurance companies in the United States. All have been in business for decades, enjoy top financial strength ratings and are well-known in the industry. Together, they held nearly 50% of the total market share of personal auto insurance policies in 2016, according to A.M. Best.

NerdWallet analyzed these insurers and scored them on the following:

  • Price
  • Customer satisfaction and complaints
  • Range of products
  • Apps and technology

» QUICK COMPARISON: Compare all four insurers at a glance

Best for price: Geico

For many, price is king and little else matters as much. If that describes you, Geico is worth checking out.

While NerdWallet found Geico to be the cheapest among the four companies for many types of drivers, it’s still best to shop around. Depending on your state, driving record and other factors, other companies may be cheaper for you.

» MORE: NerdWallet’s Geico insurance review

Best for customer satisfaction: Geico

Geico’s customers may be the happiest among these four insurers, followed so closely by Allstate it was nearly a tie. Both companies receive relatively few customer complaints to state insurance departments compared with the industry median, according to data from the National Association of Insurance Commissioners.

A compilation of several customer satisfaction scores from J.D. Power shows that Geico’s scores also edge out Allstate, Progressive and State Farm.

Best for range of products: Progressive

When it comes to the sheer number of coverage options, Progressive came out on top. Among all the car insurance options we looked at, there’s only one Progressive doesn’t offer: new or better car replacement.

» MORE: NerdWallet’s Progressive insurance review

Best for apps and technology: Allstate

Apps and technology can make insurance easier to use. Allstate came in first in this category because its tech outshines some others. Examples include:

  • Customers can get damage appraisals by sending Allstate video and photos — no in-person inspection required.
  • Allstate integrates with Amazon’s Alexa, so customers can get voice-demand insurance help if they have the device.

» MORE: NerdWallet’s Allstate insurance review

At a glance: The big 4 car insurers


 AllstateGeicoProgressiveState Farm
*Allstate’s Gap and New Car Replacement are available together as part of its New Car Expanded Protection packages, in selected states.
Our score
Ranking for best price4th1st3rd2nd
Ranking for customer satisfaction2nd1st3rd4th
Ranking for range of car insurance products2nd (tie)2nd (tie)1st4th
Ranking for apps and technology1st2nd (tie)2nd (tie)2nd (tie)
Stand-alone gap insuranceNo*NoYesNo
Emergency road service and/or towingYesYesYesYes
Mechanical breakdown coverageNoYesYesNo
Accident forgiveness (state availability will vary)YesYesYesNo
New car or better car replacement (stand-alone)No*NoNoNo
Usage-based insuranceYesNoYesYes
Rideshare insurance (state availability will vary)YesYesYesYes
Can pay bill on mobile appYesYesYesYes
Can submit an auto claim online or in-appYesYesYesYes
Can track an auto claim online or in-appYesYesNoYes
Mobile app lets you see policy infoYesYesYesYes
Mobile app lets you see insurance ID card (not available in all states)YesYesYesYes
Repair appraisals by photo or video (no inspector comes out)YesNoNoNo
Help via Amazon Alexa or Google HomeAmazon AlexaNoGoogle HomeNo
Insurance  agentsAllstate-only agentsDon’t need one but can use a Geico agentIndependent agents (can sell insurance from a variety of companies)State Farm-only agents
Compare rates



 AllstateGeicoProgressiveState Farm
*Allstate’s Gap and New Car Replacement are available together as part of its New Car Expanded Protection packages, in selected states.
Our score
Ranking for best price4th1st3rd2nd
Ranking for customer satisfaction2nd1st3rd4th
Ranking for range of car insurance products2nd (tie)2nd (tie)1st4th
Ranking for apps and technology1st2nd (tie)2nd (tie)2nd (tie)
Stand-alone gap insuranceNo*NoYesNo
Emergency road service and/or towingYesYesYesYes
Mechanical breakdown coverageNoYesYesNo
Accident forgiveness (state availability will vary)YesYesYesNo
New car or better car replacement (stand-alone)No*NoNoNo
Usage-based insuranceYesNoYesYes
Rideshare insurance (state availability will vary)YesYesYesYes
Can pay bill on mobile appYesYesYesYes
Can submit an auto claim online or in-appYesYesYesYes
Can track an auto claim online or in-appYesYesNoYes
Mobile app lets you see policy infoYesYesYesYes
Mobile app lets you see insurance ID card (not available in all states)YesYesYesYes
Repair appraisals by photo or video (no inspector comes out)YesNoNoNo
Help via Amazon Alexa or Google HomeAmazon AlexaNoGoogle HomeNo
Insurance  agentsAllstate-only agentsDon’t need one but can use a Geico agentIndependent agents (can sell insurance from a variety of companies)State Farm-only agents
Compare rates



CompanyOur scoreCompare quotes
Allstate
Best for apps and technology offerings
Geico
Best for price and customer satisfaction
Progressive
Best for range of products
State Farm

» COMPARE these and more with NerdWallet’s car insurance comparison tool

Methodology

These star ratings are based on scores for price, coverage options and tech offerings.

Pricing: NerdWallet’s cheap car insurance study averaged rates for 30-year-old men and women with good driving records across the 12 most populous states in the country in 10 ZIP codes per state and from the largest insurers in each state.

Customer satisfaction:

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