Selecting a car insurance company can be difficult: companies' rates may vary based on your location, age, and driving history, and insurers offer a variety of perks. Allstate and Farmers are two of the nation's most popular insurance companies, selling affordable coverage in most states.
In an effort to take the sting out of shopping for car insurance, we have gathered average insurance premiums from Farmers and Allstate. The below rates cover an array of rating factors, including credit quality, driving history, and age. Examine these figures and find your next car insurance policy today.
If you have very bad credit, Farmers could be a better option for you. On average, Farmers offers cheaper premiums than Allstate for prospective clients with credit scores of 579 or less. Insurance shoppers with extraordinary credit — a score of 800-plus — should consider View average insurance rates by credit tier for Farmers and Allstate below.
|Credit level||Allstate avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$3,117||$2,633|
|Very Good (740-799)||$1,820||$1,459|
If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DWI on your résumé, Farmers could be a better choice than Allstate. Every car insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to find out which insurer is best for you.
|Violation||Allstate avg. annual premium||Farmers avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$2,334|
|At-fault accident (damage > $1,000)||$2,290||$1,699|
Auto insurance companies use a driver's age as an estimator of risk, assigning rates accordingly. An insurance policy is typically more expensive for young drivers — thanks to their inexperience — and most affordable for middle-aged drivers. Because every insurance company evaluates age tiers uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Allstate before Farmers: Allstate offers average yearly savings of $76, compared to Farmers.
|Age||Allstate avg. annual premium||Farmers avg. annual premium|
Aside from finances, Allstate and Farmers each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.|
|Roadside Assistance||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.|
|Additional Discounts||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.||Farmers offers an additional discount for seniors.|
|Recent Questions||Can I still be on my parent’s car insurance?|
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...
Can an insurance company force add me to a policy even if I do not drive?
There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...
Can a claim be denied if I have scheduled personal property coverage for a home where I’m no longer living?
My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...
See More Questions
I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas ...
|Are some insurance providers better suited to my needs than others to get the best rate?|
Does Farmers allow exclusions?
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
Will my farmers insurance cover my towing off the the NJ turnpike
Can I exclude my boyfriend on my Farmer’s car insurance policy?...
Will insurance cover someone other than the insured?
Car was towed to the nearest exit off of the turnpike...
See More Questions
My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...
|Compare More||Allstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA||Farmers vs. 21st Century Farmers vs. Allied Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...