Choosing an auto insurance company can be tricky: rates may vary based on your location, vehicle, and driving record, and companies offer an array of perks. State Farm and Allstate are two of the top insurers, providing high-quality insurance policies across large portions of the US.
To simplify the process of comparing insurance companies, we've gathered average rates from Allstate and State Farm. These take into consideration a variety of rating factors, including credit history, driving record, and age. Examine these figures and find the right policy for you.
Want to find out more? Check out our full reviews of State Farm and Allstate.
If you have very poor credit, Allstate could be the best option for you. Typically, Allstate offers better rates than State Farm for prospective clients with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward State Farm, which typically beats Allstate by $483 annually. View typical insurance rates by credit level for Allstate and State Farm below.
| Credit level | State Farm avg. annual premium | Allstate avg. annual premium |
| Very Poor (300-579) | $3,522 | $3,117 |
| Fair (580-669) | $2,003 | $2,162 |
| Good (670-739) | $1,613 | $2,021 |
| Very Good (740-799) | $1,451 | $1,820 |
| Exceptional (800-850) | $1,260 | $1,743 |
If you've got an at-fault crash, speeding ticket, reckless driving violation, or DWI in your rear view mirror, State Farm could be a better choice than Allstate. Each auto insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurer suits you.
| Citation | State Farm avg. annual premium | Allstate avg. annual premium |
| At-fault accident (damage < $1,000) | $2,849 | $3,006 |
| At-fault accident (damage > $1,000) | $1,524 | $2,290 |
| DUI/DWI | $3,854 | $3,637 |
| Reckless driving | $2,895 | $3,388 |
| Speeding ticket | $1,983 | $2,256 |
Auto insurance companies rely on a driver's age to indicate risk, pricing premiums accordingly. An auto insurance policy is commonly more expensive for teen drivers — thanks to their inexperience — and most affordable for middle-aged drivers. Because every car insurance company rates ages differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose State Farm before Allstate: STATE FARM offers average yearly savings of $622 versus Allstate.
| Age tier | State Farm avg. annual premium | Allstate avg. annual premium |
| Teens | $5,820 | $6,442 |
| 20s | $2,379 | $2,636 |
| 30s | $1,585 | $2,636 |
| 40s | $1,587 | $1,912 |
| 50s | $1,558 | $1,893 |
| 60s | $1,485 | $1,768 |
Aside from finances, State Farm and Allstate each carry pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | State Farm | Allstate |
|---|---|---|
| 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 Comparison | State Farm | Allstate |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A++ | A+ |
| Other Products | State Farm | Allstate |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | State Farm | Allstate |
|---|---|---|
| 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. | Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense 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. | Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy. |
| 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. | Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired. |
| 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 | Can you make your child a permissive user in order to get a discount? You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent. Do I have to list my spouse as a driver?You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy. Can I still be on my parent's car insurance?Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. An automated security gate hit my door, should I file a claim or get them to pay for the damages?It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost. See More Questions |
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