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 | Excellent | Excellent |
| JD Power Rankings | Average | Below average |
| User Satisfaction | 4.3/5 | 4.3/5 |
| 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 | Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today. | 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 | Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and 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). | 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 you make your child a permissive user in order to get a discount? You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent. 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. Car insurance for elderly car owner who doesn't driveThere's a couple of ways to go about handling this. First, you need to be careful about your mother's registration. Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies. See More Questions | Should senior citizens carry collision insurance? Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases. Will PIP pay for my medical bills?Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible. 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. See More Questions |
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