Allstate vs Farmers: Which is Better for You?
- Winner: Farmers
- Farmers is cheaper with higher ratings than Allstate.
- Your experience with Allstate and Farmers will vary based on individual rating factors.
Why you can trust The Zebra
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Allstate vs. Farmers: What's the difference?
The Zebra's choice: Farmers
Farmers scored higher overall on ratings and offers lower rates on average.
Allstate:
- Cost: $124/month for full coverage
- Customer service: 3.8
- Claims handling: 2
- Digital experience: 4
- Trust: 1.8
- Overall rating: 2.9
Allstate comes out on top when it comes to customer service and digital experience
Farmers:
- Cost: $101/month for full coverage
- Customer service: 3.6
- Claims handling: 3
- Digital experience: 3.8
- Trust: 4
- Overall rating: 3.6
Farmers takes the win for cheaper rates, claims handling, and better trust scores
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 |
| DUI/DWI | $3,637 | $3,239 |
| Reckless driving | $3,388 | $4,636 |
| Speeding ticket | $2,256 | $2,045 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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 |
| Teens | $6,442 | $6,518 |
| 20s | $2,636 | $2,020 |
| 30s | $2,636 | $2,020 |
| 40s | $1,912 | $1,511 |
| 50s | $1,893 | $1,507 |
| 60s | $1,768 | $1,402 |
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.
Compare rates and start saving today!
Allstate vs. Farmers: discount comparison
Discounts can help you save on your insurance premiums. Have a look at our head-to-head comparison of the car insurance discount options for both Allstate and Farmers.
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.
Zebra Tip: Opt for Allstate if you're looking for telematics
Allstate's combination of pay-per-mile and telematics-powered insurance policies — along with its wider availability — makes it a better option for most drivers. If you're a low-mileage driver, you'll definitely want to look into Allstate's options.
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
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).
Farmers
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:
- Towing
- 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.
Which company comes out on top?
Tie
Each company's home insurance product comes with pros and cons. As an insurance customer, be sure to compare quotes, discounts and coverage options to come to an understanding of which company meets your home coverage needs.
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.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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.
| Discount comparison | Allstate | Farmers |
|---|---|---|
| Claims free | ✓ | ✓ |
| Recent home buyer | ✓ | |
| Multi-policy | ✓ | ✓ |
| Early signing | ✓ | |
| Newer/more durable roof | ✓ | |
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ✓ | |
| Auto pay | ✓ | ✓ |
| New home construction | ✓ | ✓ |
| Career-based | ✓ | |
| Non-smoking | ✓ | |
| Smart home | ✓ |
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.
| Other products | Allstate | Farmers |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | ✓ |
| Umbrella | ✓ | ✓ |
| ATV insurance | ✓ | ✓ |
| Pet insurance | ✓ | ✓ |
| Commercial insurance | ✓ | ✓ |
Find the best insurance policy for your needs.
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.
