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.
Want to find out more? Read our full reviews of Allstate and Farmers.
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 Check out common insurance costs by credit tier for Farmers and Allstate below.
| Credit score | Allstate avg. annual premium | Farmers avg. annual premium |
| Very Poor (300-579) | $3,117 | $2,633 |
| Fair (580-669) | $2,162 | $1,736 |
| Good (670-739) | $2,021 | $1,882 |
| Very Good (740-799) | $1,820 | $1,459 |
| Exceptional (800-850) | $1,743 | $1,354 |
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.
| 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 |
| DUI/DWI | $3,637 | $3,239 |
| Reckless driving | $3,388 | $4,636 |
| Speeding ticket | $2,256 | $2,045 |
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.
| Age tier | Allstate avg. annual premium | Farmers avg. annual premium |
| Teens | $6,442 | $6,518 |
| 20s | $2,636 | $2,020 |
| 30s | $1,920 | $2,020 |
| 40s | $1,912 | $1,511 |
| 50s | $1,893 | $1,507 |
| 60s | $1,768 | $1,402 |
Aside from affordability, Allstate and Farmers each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Allstate | Farmers |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Allstate | Farmers |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Allstate | Farmers |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Allstate | Farmers |
|---|---|---|
| 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. 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 turnpikeAlthough 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 |
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