State Farm vs Allstate

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State Farm or Allstate:
Which Company is Best for You?

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.

 

Jump to:
  1. Rates by credit score
  2. Rates by violation
  3. Rates by age
 

State Farm vs. Allstate: pricing by credit score

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.

 
RATES BY CREDIT LEVEL: ALLSTATE VS. STATE FARM
Credit levelState Farm avg. annual premiumAllstate 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
 

State Farm vs. Allstate: rates for drivers with bad records

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.

 
RATES BY CITATION: ALLSTATE VS. STATE FARM
CitationState Farm avg. annual premiumAllstate 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
 

State Farm vs. Allstate: rates by age

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.

 
RATES BY AGE: ALLSTATE VS. STATE FARM
Age tierState Farm avg. annual premiumAllstate 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 ComparisonState FarmAllstate
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 ComparisonState FarmAllstate
Financial Strength SuperiorSuperior
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 ProductsState FarmAllstate
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Other FeaturesState FarmAllstate
AboutGet 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 AssistanceState 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 DiscountsState 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 QuestionsShould I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.
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%.
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.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full time in the house for which the policy applies.
See More Questions
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