Farmers vs Allied: Which is Better for You?

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Farmers or Allied: Which company is best for you?

Choosing an auto insurance company can be tricky: companies' rates differ based on your driving history, age, and location, and companies offer an array of discounts. Farmers and Allied are two of the most popular auto insurance companies, providing high-quality coverage across most of America.

To simplify the process of comparing insurance companies, we have pulled average rates from Allied and Farmers. These take into consideration myriad pricing factors, including credit quality, driving history, and age. Examine these figures and find your next car insurance policy today.

Take a deep dive: Check out our comprehensive reviews of Farmers and Allied.


Farmers vs. Allied: by credit level

If you have very bad credit, Allied could be preferable to Farmers. On average, Allied offers lower rates than Farmers for drivers with credit scores of 579 or less. Those with outstanding credit — a score of 800 or higher — should opt for Check out average insurance costs by credit tier for Allied and Farmers:

Credit level Farmers avg. annual premium Allied avg. annual premium
Very Poor (300-579) $2,633 $1,483
Fair (580-669) $1,736 $1,097
Good (670-739) $1,882 $1,104
Very Good (740-799) $1,459 $920
Exceptional (800-850) $1,354 $857

Farmers vs. Allied: by citation

If you've got an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving record, Allied could be a better choice than Farmers. Every insurance company has different post-violation pricing structures, so don't hesitate to shop around to figure out which insurance company suits you.

Violation Farmers avg. annual premium Allied avg. annual premium
At-fault accident (damage < $1,000) $2,334 $1,662
At-fault accident (damage > $1,000) $1,699 $1,221
DUI/DWI $3,239 $2,708
Reckless driving $4,636 $2,708
Speeding ticket $2,045 $1,232

Farmers vs. Allied: by age

Insurance companies rely on age as an indicator of potential risk, pricing premiums accordingly. An auto insurance policy is often most expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because each insurance company evaluates age tiers in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Allied over Farmers: the former's average annual rates are $2,992 less than the latter's..

Age tier Farmers avg. annual premium Allied avg. annual premium
Teens $6,518 $3,526
20s $2,020 $1,392
30s $1,543 $1,392
40s $1,511 $959
50s $1,507 $915
60s $1,402 $832

Cost aside, Farmers and Allied both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount Comparison Farmers Allied
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported supported
Defensive Driver
Student Away at School supported
Driver Training
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner supported
eSign or ePay
New Vehicle supported
Annual Mileage
Ratings Comparison Farmers Allied
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers Allied
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
Other Features Farmers Allied
About Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, along with unparalleled customer and claim service. Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside Assistance 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. Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional Discounts Farmers offers an additional discount for seniors. Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
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