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At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Our recommendation: Allstate vs. State Farm: Which is better?

Allstate and State Farm are large insurance companies with robust financial stability. Both have a lot to offer drivers. But the right choice varies based on your situation. 

If you are looking for affordable rates, State Farm tends to offer lower rates than Allstate. Beyond lower rates, State Farm’s high customer satisfaction rating makes it an easy choice for drivers looking for helpful support when they need it. Currently, State Farm isn’t writing new auto insurance policies in Rhode Island or Massachusetts. 

In contrast, Allstate is available in every state. While the insurer is known for efficiently handling claims, the higher rates might make it the wrong fit for your budget. 

Rating comparison for Allstate vs. State Farm car insurance

State Farm stands out for offering a supportive customer service experience. The insurer also boasts top-notch financial stability and generally lower rates than Allstate. But since Allstate is the insurer available in every single state, it is a better fit for some drivers. 

The table below offers more insight into how these two insurance companies stack up against each other. Please note that numerical ratings are on a scale of 0-5 with 5 being the highest possible score.

Insure.com overall ratingAllstateState Farm
Best for:Claims handlingEase of service
Average premium rating1.323.23
Customer satisfaction rating4.044.24
NAIC rating4.254.00
AM Best rating4.665.00
State availabilityAll 50 states and DCAK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY

Allstate vs. State Farm: Pros and cons

Every insurance company has advantages and disadvantages. Below is a closer look at the pros and cons to consider with Allstate and State Farm. 

AllstateState Farm
ProsPros
High J.D Power rating for auto claims satisfactionHigh customer satisfaction
Available in all statesLow premiums
ConsCons
Relatively high rates for young driversRelatively high rates for young drivers
More expensive overallNot available in all states

Allstate vs. State Farm: Which provides the cheapest car insurance rates?

In general, State Farm offers cheaper rates than Allstate. For example, the average annual cost of a state minimum coverage policy is $502 with State Farm and $700 from Allstate. For full coverage, the annual rate at Allstate is more than $500 higher.

The table below highlights the average costs of different policy levels for each company. Liability-only indicates higher than state minimum coverage limits of 50/100/50.

CoverageAllstate annual rateState Farm annual rate
Average full coverage cost$2,509$1,984 
Average state minimum cost$700$502 
Average liability only (50/100/50) cost$854$651 

Allstate vs. State Farm: Car insurance rates by age and gender

State Farm is cheaper for drivers of all age groups. For example, female drivers ages 20 to 24 pay an average annual rate of $2,956 with State Farm. But Allstate drivers in the same age group pay an average of $3,601 annually. 

In addition to your age, your gender can have a big impact on your car insurance costs. Generally, men pay more for car insurance than their female counterparts. The table below illustrates how different age groups can expect different rates across both companies. 

Age groupAllstate annual rateState Farm annual rate
Teens 16-19 (females)$7,105$4,886
Teens 16-19 (males)$7,766$5,851
Young adults 20-24 (females)$3,601$2,956
Young adults 20-24 (males)$3,907$3,402
Adults 25-60 (females)$2,504$1,972
Adults 25-60 (males)$2,514$1,998
Seniors 65-75 (females)$2,462$1,858
Seniors 65-75 (males)$2,492$1,859

Allstate vs. State Farm: Rates by credit score

Drivers with good credit scores often pay less for insurance than drivers with poor credit scores. That trend holds true with both Allstate and State Farm. 

Notably, drivers with bad credit tend to pay significantly more with State Farm than Allstate – more than double. On average, drivers with poor credit pay an average annual rate of $4,176 with Allstate. That’s significantly less than State Farm’s average rate of $8,616. 

The table below highlights how average rates vary by credit score at State Farm and Allstate. 

Credit typeAllstate annual rateState Farm annual rate
Good credit$2,509 $1,984 
Fair credit$2,986 $3,176 
Poor credit$4,177 $8,654 

Allstate vs. State Farm: Rates for different violations

When it comes to getting a good car insurance rate, maintaining a clean driving record is critical. If you receive a moving violation, that tends to drive your car insurance costs higher. 

“High-risk behaviors such as speeding, driving under the influence (DUI/DWI), and at-fault accidents typically lead to higher premiums,” says John Crist, founder of Prestizia Insurance. 

The table below shows how a violation can raise average rates at each insurer. However, the impact of a violation varies by insurer. 

ViolationsAllstate annual rateState Farm annual rate
1 At-fault accident$4,149 $2,438 
2 At-fault accident$5,565 $2,800 
2 speeding tickets 11 mph or over$3,465 $2,695 
Careless driving$2,954 $2,419 
Distracted driving ticket$2,954 $2,348 
Driving without a license or permit$2,954 $2,735 
Driving without insurance$2,727 $2,277 
DUI/DWI first offense$4,884 $3,179 
DUI/DWI second offense$6,781 $4,650 
Failure to stop$2,954 $2,265 
Failure to yield$2,954 $2,265 
Following too closely$2,970 $2,294 
Hit and run$4,735 $3,105 
Improper turn$2,954 $2,265 
Improper/illegal pass$2,970 $2,279 
Operating a vehicle in a race (highway racing)$4,865 $3,128 
Passing stopped school bus$3,007 $2,304 
Reckless driving$4,601 $3,037 
Seatbelt infraction$2,661 $2,189 
Single-vehicle accident (driver’s car only)$4,135 $2,415 
Speeding ticket$2,965 $2,321 
Talking on cellphone ticket$2,954 $2,211 
Texting ticket$2,954 $2,211 
1 comprehensive claim$2,536 $1,984 
2 comprehensive claims$2,576 $1,984 
SR-22 filing only$2,726 $2,270 
SR-22 with 1 DUI$5,072 $3,392 

Allstate vs. State Farm: Customer satisfaction comparison

When it comes to customer satisfaction, State Farm boasts a survey score of 84% of customers saying they are satisfied. Allstate’s survey score is 75%, nine points lower than State Farm’s score.

CompanyPercentage of satisfied customers
Allstate75%
State Farm84%

Allstate vs. State Farm: Car insurance discount availability comparison

Both Allstate and State Farm offer a wide range of discounts for drivers. Of course, the type of discounts you qualify for will vary based on your unique situation. For example, homeowners can tap into a discount with Allstate or State Farm. 

The table below highlights the different discounts you can expect to find with each company.

Discount typeAllstateState Farm
Safe driver/good driverYY
Safety featuresYY
Multi-policy/bundlingYY
Low mileageYY
Young driver/teen driverYY
Paid-in-full discountYN
Advance quote/advance purchaseYY
New car discountYN
StudentYY
Driver courseNY
Anti-theft deviceYY
Electronic payments/automatic paymentsYN
MilitaryYN
Electric carYN

Allstate vs. State Farm: Additional insurance availability comparison

As major insurance companies, Allstate and State Farm each offer a wide range of insurance products. You can find a breakdown of which other policy types this company offers in the table below. 

Additional insurance typeAllstateState Farm
Motorcycle insuranceYY
ATV and off-road vehicleYY
RV insuranceYY
Boat/watercraftYY
UmbrellaYY
LifeYY
HomeownersYY
CondoYY
RentersYY
Mobile/manufactured homeYY
High-value homeNN
FloodYY
Rental dwelling/landlord coverageYY
LifeYY
Vacation homesYY
Vacant homesNN

Resources & Methodology

Sources:

Insurance Information Institute. “What determines the price of an auto insurance policy?” Accessed April 2024. 

Methodology

Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage. 

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking. 

The editors also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of the total score
  • AM Best: 25% of the total score
  • NAIC: 15% of the total score

Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.

author image
Sarah Sharkey
Contributing Researcher

 
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Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor.