Farmers vs Allied

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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.


Compare Farmers vs. Allied auto insurance rates


Farmers vs. Allied: pricing by credit score

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:


RATES BY CREDIT LEVEL: Allied VS. Farmers
Credit levelFarmers avg. annual premiumAllied 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: high-risk insurance rates

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.


RATES BY VIOLATION: Allied VS. Farmers
ViolationFarmers avg. annual premiumAllied 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: rates 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..


RATES BY AGE BRACKET: Allied VS. Farmers
Age tierFarmers avg. annual premiumAllied 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 ComparisonFarmersAllied
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 ComparisonFarmersAllied
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsFarmersAllied
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersAllied
AboutFarmers 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.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 AssistanceFarmer'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 DiscountsFarmers 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.
Recent QuestionsShould 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.
See More Questions
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