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Deciding on a car insurance company is sometimes difficult: every company's rates differ based on your location, age, and driving history, and every company's discounts differ. State Farm and Allied are two of the US' most popular insurance companies, providing affordable policies in most states across the US.
To help make insurance shopping seamless, we collected average policy rates from Allied and State Farm. These take into account an array of rating factors, including credit rating, driving record, and age. Examine these figures and find your next car insurance policy today.
Seeking more info? Read our comprehensive reviews of State Farm and Allied.
If you have very poor credit, Allied could be the best option for you. On average, Allied offers cheaper rates than State Farm for prospective clients with credit scores of 579 or less. Those with outstanding credit — a score of 800 or better — should consider Check out common insurance rates by credit level for Allied and State Farm below.
| Credit level | State Farm avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $3,522 | $1,483 |
| Fair (580-669) | $2,003 | $1,097 |
| Good (670-739) | $1,613 | $1,104 |
| Very Good (740-799) | $1,451 | $920 |
| Exceptional (800-850) | $1,260 | $857 |
If you have an at-fault crash, speeding ticket, reckless driving violation, or DWI on your résumé, Allied could be a better choice than State Farm. Every car insurance company prices policies differently after a violation, so don't hesitate to shop around to find out which insurer suits you.
| Violation | State Farm avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $2,849 | $1,662 |
| At-fault accident (damage > $1,000) | $1,524 | $1,221 |
| DUI/DWI | $3,854 | $2,708 |
| Reckless driving | $2,895 | $2,708 |
| Speeding ticket | $1,983 | $1,232 |
Car insurance companies use age to outline potential risk, assigning rates accordingly. Auto insurance is typically expensive for young drivers — because of their inexperience — and relatively affordable for older drivers. Because every auto insurance company rates ages uniquely, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Allied before State Farm: the former's average annual rates are $2,294 less than the latter's..
| Age | State Farm avg. annual premium | Allied avg. annual premium |
| Teens | $5,820 | $3,526 |
| 20s | $2,379 | $1,392 |
| 30s | $1,585 | $1,392 |
| 40s | $1,587 | $959 |
| 50s | $1,558 | $915 |
| 60s | $1,485 | $832 |
Costs aside, there are myriad pros and cons of both State Farm and Allied, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | State Farm | Allied |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
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| 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 Comparison | State Farm | Allied |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A++ | A+ |
| Other Products | State Farm | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
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| RV Insurance | ||
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| Other Features | State Farm | Allied |
|---|---|---|
| About | Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. | 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 | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. | 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 | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. | 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 Questions | Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company? Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan. My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location. What could be the reason State Farm increased my premium?Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%. I started a claim but canceled it with no payout. Why is it on my CLUE report?Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating. See More Questions | Will my insurance company cover my vehicle if my cousin was driving my car? Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process. If I claim my injuries after an accident, will that make my rates higher?Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options. Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?<span data-sheets-value="{"1":2,"2":"Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing. How much do car insurance rates go up after a DUI?<span data-sheets-value="{"1":2,"2":"Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none. See More Questions |
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