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State Farm or Allstate: Which company is best for you?

As two of the biggest insurers in the country, both State Farm and Allstate have a number of coverages to choose from. Dive into our comparison to see which company comes out on top.

State Farm car insurance

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4.5 Rating from The Zebra Question mark icon

State Farm is the largest auto insurance company in the U.S. with a market share of 16%. With State Farm's network of agents, customers can expect a personalized experience. This popular insurance company also boasts good ratings from reputable third parties and customers alike, with positive assessments of its customer satisfaction and financial outlook, and strong ratings overall in The Zebra's independent customer satisfaction survey.

Pros Cons
  • Lower than average rates
  • Wide range of coverage types
  • Great customer satisfaction scores
  • Local agents across the U.S.
  • Bad for drivers with poor driving records
  • Fewer add-on coverages for those with specialized needs
  • Much more expensive for drivers with poor credit
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Allstate car insurance

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4 Rating from The Zebra Question mark icon

Allstate is another major insurance company with a wide array of coverage types and mostly positive ratings from third parties and customers. On the whole, Allstate's car insurance policies are often more expensive than most similarly-sized companies. While Allstate has a number of add-ons and other benefits for policyholders — including rebates for safe driving and a rewards program — drivers will want to strongly consider if these added perks are worth the higher prices. See their ratings below to see how they compare to State Farm.

Pros Cons
  • Good coverage options
  • Fewer than average customer complaints
  • Perks such as checks for safe driving
  • Multiple telematics options
 
  • Higher rates than average
  • Significantly higher rates for teen drivers or those with poor driving histories
Learn more

Which company comes out on top?

State Farm


State Farm comes out ahead in a number of ways, including The Zebra's Customer Satisfaction Survey where State Farm placed third overall for home and auto insurance. The company also outperformed Allstate in third-party analyses and offered cheaper rates, on average.


State Farm vs. Allstate: car insurance rate comparison

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.

Cheapest average rates
Cheapest average rates

The insurer with the cheapest rates is State Farm at $108 per month, significantly cheaper than Allstate's average of $170 a month


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 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

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

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

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.

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Ratings comparison: State Farm vs. Allstate

Being among the largest insurance companies in the country, State Farm and Allstate have third-party ratings going back decades. We've put together a list of some of the most recent ratings to help you determine each company's customer satisfaction level, complaint ratio and fiscal security scores.

State Farm vs. Allstate
Ratings comparison State Farm Allstate
Financial strength (A.M. Best) Excellent Excellent
JD Power (claims satisfaction) Above average Average
JD Power (customer satisfaction) Above average Average
NAIC rating Above average Excellent
The Zebra's editorial review score 4.5 4
The Zebra's Customer Satisfaction Survey 4.5/5 4.5/5

Which company scores best?

State Farm


State Farm receives better scores than Allstate in studies focused on customer service, while Allstate logs relatively fewer customer complaints overall. The Zebra's editorial reviews place State Farm slightly higher, coming in at 4.5 to Allstate's 4.0 out of five.


The Zebra's Customer Satisfaction Survey

The Zebra conducted its own survey to discover how customers view insurance companies based on a number of factors. Below you'll find how both companies performed.

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State Farm

State Farm came in third place overall with a score of 4.5. Find more of the survey highlights below.

  • Scored well among younger drivers
  • Second place for claims satisfaction
  • Third place for ease, customer service, trust and willingness to recommend
allstate logo
Allstate

Allstate came in eighth place overall for car insurance with a score of 4.3. See the survey highlights below:

  • Scored sixth place for trustworthiness
  • Preferred by older drivers overall
  • Struggled with claims satisfaction

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.


State Farm vs. Allstate: discount comparison

Below you can see a head-to-head rundown of discount options for auto insurance.

State Farm vs. Allstate: discount comparison
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

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 logo
State Farm Drive Safe & Save

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.

allstate logo
Allstate Drivewise

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.

Allstate logo
Allstate Milewise

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).

tow truck

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

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4 Rating from The Zebra Question mark icon

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).
Learn more

Allstate homeowners review

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4 Rating from The Zebra Question mark icon

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.
Learn more

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.

Cheapest average rates
Cheapest average rates

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.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.


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.

STATE FARM VS. ALLSTATE: HOMEOWNERS DISCOUNT COMPARISON
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.

State Farm vs. Allstate: other insurance products
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

Find the best insurance policy for your needs.

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RECENT QUESTIONS

What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?

While I can&#x27;t say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn&#x27;t have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
Mar 14, 2017 Detroit, MI

Car insurance for elderly car owner who doesn't drive

There&#x27;s a couple of ways to go about handling this. First, you need to be careful about your mother&#x27;s registration.
Jun 20, 2018 Lake Worth, FL

My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?

Roadside assistance covers towing but it won&#x27;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.
Aug 20, 2019 Crosby, TX

Does State Farm match auto insurance quotes with other companies?

In truth, no. Car insurance companies determine their rates based on their previous years&#x27; filings (loss to revenue ratio) in addition to other factors.
May 7, 2019 Bentonville, AR

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 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.