Allstate vs Farmers: Which is Better for You?
Allstate or Farmers: Which company is best for you?
Allstate and Farmers are counted among the most popular car insurance companies in the country. Both offer compelling insurance options for a variety of drivers and homeowners. Take a look at our in-depth comparison to see which company comes out on top.
Allstate car insurance
With extensive coverage options and wide geographic availability, Allstate remains one of the most popular insurance companies in the country. While rates are often more expensive than many competitors, Allstate provides robust coverage options and receives relatively few customer complaints overall.
Farmers car insurance
Farmers customers can expect a variety of discount options and a wide selection of highly-customizable coverages. In general, they receive fewer customer complaints than average but customer satisfaction may suffer overall. Farmers also allows customers to combine car insurance with homeowners, renters and life insurance policies, which adds convenience and may lead to savings.
Allstate vs. Farmers: car insurance rate comparison
Choosing a car insurance company is complex: rates can vary based on your driving history, age, and location, and insurers offer a variety of perks. Allstate and Farmers are counted among the most popular car insurance companies, providing competitively priced insurance policies across most of the US.
To take the sting out of shopping for car insurance, we have gathered average insurance premiums from Farmers and Allstate. The below rates cover a variety of pricing components, chief among which are credit, driving record, and age. Take a look at these rates and find the perfect policy for you.
The insurer with the cheaper car insurance rates is Farmers, at $131 per month, substantially less expensive than Allstate's $170 per month.
Allstate vs. Farmers: pricing by credit score
If you have very bad credit, Farmers could be a better option for you. Typically, Farmers offers better prices than Allstate for drivers with credit scores of less than 580. Those with extraordinary credit — a score of 800 or higher — should favor Farmers. Check out common insurance costs by credit tier for Farmers and Allstate below.
RATES BY CREDIT LEVEL: FARMERS VS. ALLSTATE
|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|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Allstate vs. Farmers: rates for high-risk drivers
If you've got an at-fault collision, speeding ticket, reckless driving violation, or DUI on your driving record, Farmers could be a better choice than Allstate. Each car insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurer suits you.
RATES BY CITATION: FARMERS VS. ALLSTATE
|Citation||Allstate avg. annual premium||Farmers avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$2,334|
|At-fault accident (damage > $1,000)||$1,580||$1,699|
Allstate vs. Farmers: rates by age
Insurance companies rely on age to outline potential risk, assigning rates on a sliding scale. Insurance is commonly priciest for teen drivers — due to their inexperience — and relatively affordable for drivers aged 25 or older. Since every insurance company rates ages uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Allstate instead of Farmers: ALLSTATE offers average yearly savings of $76, compared to Farmers.
RATES BY AGE: FARMERS VS. ALLSTATE
|Age tier||Allstate avg. annual premium||Farmers avg. annual premium|
Costs aside, Allstate and Farmers each have pros and cons: ranging from their customer satisfaction ratings to their discount programs and various policy extras. To ensure you're making an informed insurance decision, get quotes and compare rates before buying a policy.
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Ratings comparison: Allstate vs. Farmers
Allstate and Farmers have long histories of ratings and reviews to evaluate. We've gathered some of these ratings to provide perspective on each company's customer satisfaction standards, complaint ratios and financial stability.
|Financial strength (A.M. Best)||Excellent||Excellent|
|JD Power (claims satisfaction)||Average||Excellent|
|JD Power (customer satisfaction)||Average||Below average|
|NAIC rating||Excellent||Above average|
|The Zebra's editorial review score||4/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.5/5||4.3/5|
The Zebra's Customer Satisfaction Survey
The Zebra conducted an in-house survey of insurance consumers to discover how they viewed their insurance companies across a number of topics. See below how each of these companies performed.
Allstate came in eighth place overall for car insurance with a score of 4.3. Highlights of the survey included:
- Scored sixth place for trustworthiness
- Preferred by older drivers
- Struggled with claims satisfaction
Farmers consistently ranked near the lower third of companies included in our survey. However, the company ranked 6th overall for claims satisfaction, indicating that customers are happy overall with the process. Among respondents, Farmers did best among younger drivers.
- Farmers auto insurance placed 10th overall
- Millennial and Gen X respondents rated Farmers higher overall
- Scored highest for claims satisfaction
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
|Anti-lock brake system||✓||✓|
|Student away at school||✓||✓|
|Affinity membership alum||✓|
|Pay in full||✓||✓|
|eSign or ePay||✓|
Telematics options: Allstate vs. Farmers
Both insurers offer telematics-powered policies. The companies' offerings are similar, offering initial savings with the opportunity for a higher discount with good driving practices. Also worth noting is Allstate's pay-per-mile program, Milewise, which works in a similar fashion but is intended for low-mileage drivers. See more information about each company's mobile app below.
Allstate Drivewise relies on a mobile app to track customers' driving. In addition to receiving 3% cashback for signing up, drivers can potentially earn discounts and rate reductions by driving safely. Interestingly, Allstate's app is available to both policyholders and "non-customers" alike to view driving data and receive feedback.
Allstate's pay-per-mile insurance program, Milewise, could benefit low-mileage drivers. Mileage is tracked using a plug-in device. Allstate plans to expand Milewise to additional locations.
Signal is the telematics option from Farmers. The company advertises a 5% discount for signing up, with the promise of up to 15% savings for qualifying drivers. The company also offers an additional 10% savings for drivers under the age of 25 who enroll.
Unique amongst telematics programs, drivers enrolled in Farmers Signal — with a driving score of at least 80% — are also eligible to win up to $100 in rewards every month. Signal is not available in every state, and further restrictions may be imposed depending on where you live.
Roadside assistance: Allstate vs. Farmers
No one wants to find themselves broken down on the side of the road. A good roadside assistance program can help you get back on the road. Compare the roadside assistance programs available from both Allstate and Farmers below.
Allstate offers three levels of roadside service that can either be pared or purchased separately from your Allstate insurance policy. Annual roadside membership plans and pay-per-use plans are available. If you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).
To contact Farmers Roadside Service, call 1-800-435-7764. Farmers covers up to $150 per incident (with special limits in North Carolina, Texas and Virginia) for the following services:
- Battery jump start
- Flat-tire change
- Winching services
- Lock-out services
Allstate vs. Farmers: home insurance
In addition to their car insurance products, both companies have unique homeowners insurance offerings at differing price points. Have a look at our comparison below to find out which company best suits your home insurance needs.
Allstate homeowners insurance review
In The Zebra's customer satisfaction survey of 15 popular homeowners insurance companies, Allstate finished in ninth place. Allstate's home insurance is expensive than other similar home insurance companies. The higher-than-average price of an Allstate policy could be worth it if good customer service and efficient claims processing are important to you.
While Allstate doesn't have the longest list of home insurance discounts, the company offers a number of add-on coverages.
- The Zebra Customer Satisfaction Survey — 4.3/5: Allstate earned satisfactory marks in The Zebra's consumer survey.
- Claims satisfaction (J.D. Power) — Average: Allstate was rated as average in claims satisfaction by J.D. Power.
- Customer satisfaction (J.D. Power) — Above average: Allstate was among the top performers in J.D. Power's most recent study of customer satisfaction.
- Financial strength — Excellent: Allstate's finances earn an A+ from A.M. Best.
- NAIC Rating — Above Average: Allstate's home insurance received fewer customer complaints than the national median.
Farmers homeowners review
Because of its robust policy options and reasonable rates, Farmers remains a popular option for homeowners insurance. The company earned roughly average reviews from various third-party reviewers and consumers and placed 7th overall for homeowners insurance in The Zebra's Customer Satisfaction Survey.
- The Zebra Customer Satisfaction Survey — 4.3/5: Farmers placed 7th overall in The Zebra's homeowners insurance customer survey.
- Claims satisfaction (J.D. Power) — Average: J.D. Power's property claims satisfaction study for 2021 gave Farmers an average score of 884 out of 1,000.
- Customer satisfaction — (J.D. Power) — Average: Farmers earned an average score in J.D. Power's study of customer satisfaction.
- Financial strength — Excellent: AM Best rates Farmers highly, meaning the company is in good financial shape.
- NAIC Rating — Above Average: Farmers received fewer complaints than did other major homeowners insurance companies.
Allstate vs. Farmers: home insurance rate comparison
Allstate's average homeowners insurance rates are $1,594. Farmers Insurance's average is somewhat more affordable at $1,455 per year). The carriers' products and pricing strategies differ depending on your situation, so it's important to consider your quotes may not match these exactly when looking for coverage.
Much like auto insurance rates, homeowners insurance prices can vary based on certain factors. Companies use your insurance history — along with your location — when establishing your rate.
The cheaper of the two insurance companies is Farmers, at $121 per month. Allstate's homeowners insurance costs an average of $132 per month.
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
Allstate vs. Farmers: homeowners discount comparison
Farmers and Allstate both offer home insurance discounts for homeowners who meet certain criteria. Compare discounts from each company in our head-to-head comparison below.
|Recent home buyer||✓|
|Newer/more durable roof||✓|
|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
|Paid in full||✓|
|New home construction||✓||✓|
Other insurance products and bundling options
Allstate and Farmers both offer a variety of insurance products, along with the option to bundle these policies for extra savings. Compare the various product offerings from each carrier below.
|Travel trailer insurance||✓||✓|
|Mobile home insurance||✓||✓|
Find the best insurance policy for your needs.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.