Allstate vs Farmers

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Allstate or Farmers:
Which Company is Best for You?

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.

 

Allstate vs. Farmers: insurance rate comparison

 

Allstate vs. Farmers: by credit level

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.

 
RATES BY CREDIT SCORE: FARMERS VS. ALLSTATE
Credit scoreAllstate avg. annual premiumFarmers 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
 

Allstate vs. Farmers: rates for drivers with bad records

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
ViolationAllstate avg. annual premiumFarmers 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
 

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.

 
COMPARING AUTO INSURANCE RATES BY AGE: FARMERS VS. ALLSTATE
Age tierAllstate avg. annual premiumFarmers 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 ComparisonAllstateFarmers
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 ComparisonAllstateFarmers
Financial Strength ExcellentExcellent
JD Power Rankings AverageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsAllstateFarmers
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstateFarmers
AboutInsurance 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 AssistanceAllstate 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 DiscountsAllstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.Farmers offers an additional discount for seniors.
Recent QuestionsCan 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 drive
There'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.
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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&nbsp;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 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.
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