Farmers vs Allied: Which is Better 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:

INSURER RATES BY CREDIT SCORE: ALLIED VS. 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.

INSURER RATES BY VIOLATION: ALLIED VS. FARMERS

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..

INSURER RATES BY AGE: ALLIED VS. FARMERS

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.