State Farm vs Allstate: Which is Better for You?
- Winner: State Farm
- State Farm is much cheaper and has better ratings than Allstate.
- Your experience with State Farm and Allstate will vary based on individual rating factors.
Why you can trust The Zebra
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
State Farm vs. Allstate: What's the difference?
The Zebra’s choice: State Farm
State Farm offers better service and pricing compared to Allstate.
State Farm:
- Cost: $98/month for full coverage
- Customer service: 3.6
- Claims handling: 2
- Digital experience: 4.8
- Trust: 4
- Overall rating: 3.6
State Farm is cheaper and has stronger customer service, digital experience, and trust scores.
Allstate:
- Cost: $124/month for full coverage
- Customer service: 2.9
- Claims handling: 2
- Digital experience: 4
- Trust: 1.8
- Overall rating: 2.9
Allstate is more expensive and scores lower for almost all categories.
State Farm vs. Allstate: rates for high-risk drivers
If you've got an at-fault crash, speeding ticket, reckless driving violation, or DWI in your rearview 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
| 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 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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 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.
Compare rates and start saving today!
State Farm vs. Allstate: discount comparison
Below you can see a head-to-head rundown of discount options for auto insurance.
In addition to the discounts listed above, State Farm may offer 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, and the newly retired.
Telematics options: State Farm vs. Allstate
Both State Farm and Allstate offer telematics programs. Allstate offers more options than State Farm, meaning that customers may find a better choice for their personal driving needs. Find out more about each company's mobile app selection below.
State Farm Drive Safe & Save is a good option for safe and low-mileage drivers. The company claims that it can save customers up to 50% on premiums, though these types of savings are most likely to be seen by lower-mileage drivers. The program is available in most states.
This telematics program uses a mobile app to track your driving behavior, possibly leading to discounts for safe motorists. Drivers receive 3% cashback for signing up for Drivewise. The app-based program can be used by both policyholders and "non-customers" alike to view driving data and receive feedback.
Milewise is a newer program that offers pay-per-mile car insurance. This type of coverage could benefit low-mileage drivers in particular as your rates are based on the number of miles that you drive. These miles are tracked by a plug-in device. While not available in every state, Allstate has plans to continue expansion in an effort to gain more users.
Zebra Tip: Explore Allstate for telematics offerings
Allstate has more telematics options overall. The company's dedicated pay-by-the-mile plan, Milewise, is a great option for low-mileage drivers.
Roadside assistance: State Farm vs. Allstate
Below you'll find a breakdown of the different types of roadside assistance available from each company.
State Farm
State Farm's Emergency Road Service offers the following:
- Mechanical labor at the place of breakdown
- 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
- Locksmith services
Allstate
Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).
State Farm vs. Allstate: home insurance
While both companies have a huge presence in the auto insurance industry, the same goes for homeowners coverage. Each company has unique coverage options and price points. See our comparison to find out which company might be the best fit for your home insurance needs.
State Farm homeowners insurance review
State Farm has a number of great options for add-on coverage, making them a great option for customers looking for flexible or with unique coverage needs. However, State Farm's average rates tend to be higher than average. Also, the company suffers from a lack of available homeowners discounts — only four discount options at present. State Farm's home insurance options enjoy good ratings from third-party agencies, and the company ranked fifth place overall in The Zebra Customer Satisfaction Survey. Still, homeowners looking for basic insurance with no bells or whistles may wish to look for an alternative.
Learn more about the company's home insurance in our detailed review below.
- The Zebra Customer Satisfaction Survey — 4.4/5: State Farm was given an above-average rating among the top 15 home insurance providers surveyed.
- Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
- Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
- Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
- NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
Allstate homeowners review
Allstate offers highly customizable home insurance policies and is generally held in high regard by customers and rating agencies alike. The company's homeowners offering came in ninth overall in The Zebra Customer Satisfaction Survey, indicating that it fell somewhere in the middle of the pack. While Allstate offers a wide array of coverage options, those looking for the cheapest policy may do better to search elsewhere.
- The Zebra Customer Satisfaction Survey — 4.3/5: Allstate earned satisfactory marks in The Zebra's consumer survey.
- Claims satisfaction (J.D. Power) — Average: Allstate was rated as average in claims satisfaction by J.D. Power.
- Customer satisfaction (J.D. Power) — Above average: Allstate was among the top performers in J.D. Power's 2020 study of customer satisfaction.
- Financial strength — Excellent: Allstate's finances grade out at an A+, according to A.M. Best.
- NAIC Rating — Above Average: Allstate's homeowners insurance received fewer customer complaints than the national median.
Which company comes out on top?
Tie
In this case, both companies come out very close in terms of ratings and product offerings. As a prospective customer, you should compare quotes and coverage options from each company to see which is best for your unique coverage needs.
State Farm vs. Allstate: home insurance rate comparison
The average annual home insurance rates for State Farm are $1,356. Allstate comes in somewhat higher at $1,594. Allstate and State Farm both differ in their underwriting methods, so it's important to remember that your quotes may not match these exactly when you are searching for home coverage.
Similar to car insurance, homeowners insurance prices can vary based on certain personal and location factors. Companies use not only your insurance history when putting together your quotes, but also historical data for the neighborhood, including crime rates, location to fire fighting services, and the likelihood of natural disasters.
The insurer with the cheapest home insurance rates is State Farm at around $113 per month, somewhat cheaper than Allstate's average of $132 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
State Farm vs. Allstate: homeowners discount comparison
Both State Farm and Allstate provide discounts to homeowners who meet certain criteria. While these discounts are not as plentiful as many competitor companies, they may still help customers find significant savings.
| Discount comparison | State Farm | Allstate |
|---|---|---|
| Claims free | ✓ | |
| Recent home buyer | ✓ | |
| Multi-policy | ✓ | ✓ |
| Early signing | ✓ | |
| Newer/more durable roof | ✓ | |
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ✓ | |
| Early signing | ✓ | |
| Auto pay | ✓ |
Zebra tip: Check out Allstate if you are seeking home insurance discounts
Allstate offers far more discount options than State Farm for qualifying customers, though this doesn't necessarily mean that they will be cheaper for everyone.
Other insurance products and bundling options
Both State Farm and Allstate have many insurance products available. Many of these can be bundled together for additional savings. See how the product offerings from State Farm and Allstate compare below.
| 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 | ✓ | ✓ |
| Umbrella | ✓ | ✓ |
| Offroad vehicles and ATVs | ✓ | ✓ |
Frequently asked questions: State Farm vs Allstate
Find the best insurance policy for your needs.
Related Questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
