Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jun 11, 2021

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To Sum It Up

  • Allstate offers up to 25% off auto insurance rates for military members living in Louisiana
  • GEICO offers up to 15% off in discounts for military members and retired veterans across the U.S.
  • Allstate has an A+ and GEICO has an A++ with A.M. Best

If you or your spouse is in the military, your life may feel a bit chaotic.

With so many potential changes on the horizon at any given moment, it can be difficult to know the best choices to make when it comes to the things that matter most.

If you are looking to get good deals on auto insurance for veterans, you can start by considering Allstate vs. GEICO to see who has the best auto insurance for the military and veterans.

Allstate and GEICO both have specific options for military personnel and their families.

Once you learn more about Allstate vs. GEICO, you can compare rates from top companies in your area that offer military discounts by entering your ZIP code above.

Allstate vs. GEICO: Which company has the best discounts for military and veterans?

While Allstate auto insurance offers a large discount — up to 25% off standard rates — to military members and veterans, this discount is only available to members of the military whose spouses and/or dependents live in Louisiana.

Outside of the state of Louisiana, Allstate does not offer discounts specific to military members.

Unlike Allstate, GEICO offers discounts on car insurance of up to 15% for individuals who are in the military, National Guard, and Reserves — and these discounts are available throughout the United States.

GEICO also offers a 15% discount for veterans and those who have retired from service.

In addition to an initial discount of 15%, GEICO offers up to 25% off car insurance rates with an emergency deployment discount.

This type of discount does have limitations, but eligible individuals who are in imminent danger pay areas or who store their cars according to an approved storage protection plan may qualify.

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Allstate vs. GEICO: Which company has the best auto insurance rates?

Discounts on car insurance can add up. But military members and their families should also consider standard auto insurance rates before committing to a company based solely on discounts.

Military Garaging Discount Availability from Major Auto Insurance Companies
ProviderMilitary Garaging
21st Century
American Family
Country Financial
Liberty Mutual
Safe Auto
State Farm
The General
The Hanover
The Hartford
USAA✓- 15%
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As you can see, Allstate car insurance rates are higher than GEICO in almost every state. You would have to search specifically for an Allstate auto insurance quote to see what your rates would be in your state.

With this in mind, and knowing that GEICO also provides better military discounts outside of Louisiana, GEICO may be a better company for you and your family.

Again, a GEICO auto insurance quote specifically for you is the only way for you to know for sure how much you would be paying. So you would have to search for a GEICO quote based on your unique information to know your rates for sure.

Allstate vs. GEICO: Which company has better financial ratings?

Once you have done your research and learned about different car insurance company discounts and auto insurance rates, it’s a good idea to examine these companies’ financial ratings as well.

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.

Allstate vs. GEICO: Which company is best for me?

Overall, GEICO offers lower car insurance rates and better discounts for military and veterans. GEICO also has higher financial ratings, though Allstate’s ratings are also superior.

Both Allstate and GEICO offer countless different types of coverage options, along with additional discounts and benefits as you include spouses and children in your policy.

Both companies offer services online and using their mobile apps.

You simply use your Allstate or GEICO login to file a claim, check the status of a claim, access your insurance information, and more. Filing Allstate and GEICO claims should be fairly simple.

But this does not necessarily mean GEICO is the best company for you. You will need to consider the types of coverage you want, how many people in your household will be on your policy, and many other factors.

You may find that Allstate is best if you are searching for more than basic liability auto insurance coverage. Or you may decide to continue researching other options when it comes to car insurance.

After comparing Allstate vs. GEICO to see which is best for military and veterans, you should still compare car insurance rates from other companies. Use our free tool below to get started.