Allstate vs Farmers: Which is Better for You?

Read on to see which company is best for you.
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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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

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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.

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4.0 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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Pros Cons
  • Favorable third-party reviews
  • Wide-ranging coverage options
  • Few customer complaints, considering its size
  • More expensive than average rates                                      

Farmers car insurance

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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.

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Pros Cons
  • Customizable coverage options
  • Bundling opportunities
  • Lots of discount options
  • Overall customer satisfaction scores are poor
  • Higher than average rates                          

Which company comes out on top?

Tie


While those looking for the cheapest coverage may skew towards Farmers, both Allstate and Farmers are relatively similar in their coverage options. This means that both companies are worth considering for most drivers. Compare quotes and weigh your individual situation before making a decision.


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.

Want to find out more? Read our full reviews of Allstate and Farmers.

Cheapest average rates
Cheapest average rates

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
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

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 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

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.

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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.

Allstate vs. Farmers
Ratings comparison Allstate Farmers
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

Which company scores best?

Allstate


Allstate boasts slightly better ratings than Farmers, primarily due to its superior customer satisfaction, claims satisfaction and number of consumer complaints. The Zebra's editorial reviews — taking into account all of these factors — placed Allstate in front of Farmers.


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.

survey logo
Allstate

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
survey logo
Farmers

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

Methodology:

These results are based on a survey of 2,722 U.S. insurance policyholders assessing satisfaction with their car and homeowners insurance providers. The survey was conducted using Survey Monkey and designed by our in-house team. It aimed to collect detailed insights from a census-balanced sample reflecting age, gender, and region.

Questionnaire

The questionnaire included demographic questions about age and gender identification and detailed inquiries into insurance experiences. Key topics:

  • Duration with insurance provider and coverage specifics, including teen drivers.
  • Claim filing experiences and satisfaction with claims handling.
  • Customer service interactions, trust in providers, and likelihood of recommending their insurance.
  • Use and satisfaction with digital tools and usage-based insurance programs.

Respondents rated their satisfaction on a Likert scale from 1 to 10 and provided qualitative feedback.

Data Analysis

Data were analyzed focusing on descriptive and inferential statistics to identify satisfaction trends and demographic impacts. Data cleaning and weighting were applied to ensure accuracy, alongside strict confidentiality protocols to protect data security.


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. 

Allstate vs. Farmvers: discount comparison
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

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 logo
Allstate Drivewise

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 milewise
Allstate Milewise

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.

farmers logo
Farmers Insurance Signal

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
tow truck

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

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Rating from The Zebra Question mark icon

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.

 

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4.0 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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  • 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

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Rating from The Zebra Question mark icon

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.

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4.0 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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  • 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.

Cheapest average rates
Cheapest average rates

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.

ALLSTATE VS. FARMERS: HOMEOWNERS DISCOUNT COMPARISON
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.

Farmers vs. Allstate: other insurance products
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.

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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.