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Compare Allstate vs. GEICO Renters Insurance

What’s the difference between Allstate Renters Insurance and GEICO Renters Insurance? See how our editors compare the two companies below.
Last Updated: April 05, 2024
Allstate Renters Insurance
4.6 / 5 - Excellent
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GEICO Renters Insurance
4.0 / 5 - Very good
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Key Facts

  • Offering a full complement of renters insurance coverage
  • Liability, property damage, guest medical and living expenses policies for every budget
  • Buy customized coverage online or through a wide network of agents
  • Get a personalized quote in minutes
  • Optional identity theft protection, personal umbrella policies, and coverage for business property
  • Take the “What’s My Stuff Worth” quiz to see if renters insurance is right for you
  • Quick and easy online quotes and claims
  • Multi-policy discounts for auto and renters
  • Liability coverage with medical payments
  • 24-hour support online or by phone
  • A convenient mobile app and virtual assistant
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OVERALL RATINGS

 AllstateGEICO
Coverage Options4.5/54.0/5
Add-Ons & Discounts4.8/54.0/5
Customer Service4.5/53.5/5
Financial Strength4.5/54.5/5

Coverage Compared

 AllstateGEICO
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Personal Property
Personal Liability
Optional Coverage
Scheduled Coverage
Identity Theft Restoration
Identity Theft Restoration
Property Valuation Methods
Replacement Cost
Actual Cash Value
Replacement Cost

Exclusions

Certain types of property, including jewelry, have a maximum for the dollar amount paid out. However, this limit can easily be increased with higher premiums.

Coverage Fine Print

Business property Sports equipment Green improvement reimbursement Yard and garden Electronic data recovery Musical instruments

Pricing & Discounts

 AllstateGEICO
Annual Premium
Starting at $252
Deductible Options
$250, $500, $1,000
Maximum Liability Coverage
$500,000
Property-Level Discounts
Burglary Protected
Fire Protection
Burglary Protected
Sprinkler System

Discounts Fine Print

Customer Experience

Customer Ratings

 AllstateGEICO
BBB Rating
A-
B+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
150

National Association of Insurance Commissioners

 AllstateGEICO
NAIC Complaint Ratio
0.81
0.0
NAIC Total Complaints
148
0
*The NAIC complaint ratio (in this case 0.81) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAIC complaint ratio (in this case 0.0) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength Ratings

 AllstateGEICO
Underwriter
Allstate Insurance Company
GEICO Corporation
Standard & Poor's Financial Rating
AA-
AA
Moody's Financial Rating
Aa3
Aa3
AM Best Financial Rating
A+
A++
Company Type
Underwriter
Underwriter
*The above information reflects the financial strength of the underwriter of the Allstate renters insurance policies: Allstate Insurance Company.
*The above information reflects the financial strength of the underwriter of the GEICO renters insurance policies: GEICO Corporation.

Contact & Additional Information

 AllstateGEICO
Homepage URL
https://www.allstate.com/
https://www.geico.com/
Company Phone
(877) 810-2920
(800) 207-7847
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
One GEICO Plaza, Washington, DC
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931
1936

Final Verdict

Allstate Renters Insurance has a higher overall rating than GEICO Renters Insurance. Allstate scores better than GEICO across: Coverage Options, Add-Ons & Discounts, and Customer Service. Both companies score similarly on Financial Strength.

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Lemonade Renters Insurance
4.8 / 5 - Excellent
#1 in Renters Insurance
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