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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|
|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||Do I have to list my spouse as a driver?|
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. Because of your age, you might have some difficulty finding car insurance, so here is our guide to shopping for car insurance for 22-year-olds.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.See More Questions
|Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.See More Questions
|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. Farm Bureau Mutual Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Insurance 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. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual 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|
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