State Farm vs Allstate Car Insurance

Compare all car insurance companies at once.

Your information is secure.

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

Choosing a car insurer can be difficult: rates can vary based on your location, vehicle, and driving record, and every company's discounts vary. State Farm and Allstate are among the nation's most popular insurance companies, providing competitively priced policies in most regions.

In an effort to make insurance shopping seamless, we have gathered average insurance rates from Allstate and State Farm. These take into account myriad pricing components, including credit rating, driving infractions, and age. Compare rates and find the perfect policy for you.


State Farm vs. Allstate: rate comparison


State Farm vs. Allstate: pricing by credit score

If you have very poor credit, Allstate could be preferable to State Farm. Typically, Allstate offers cheaper rates than State Farm for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should favor State Farm, which typically beats Allstate by $483 annually. Check out common insurance rates by credit level for Allstate and State Farm below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: 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: high-risk insurance rate comparison

If you have an at-fault accident, speeding violation, reckless driving citation, or DWI on your résumé, State Farm could be a better choice than Allstate. Each insurance company prices policies differently after a violation, so don't hesitate to shop around to understand which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: 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 age as an indicator of potential risk, pricing policies accordingly. Auto insurance is often most expensive for drivers younger than 25 — because of their inexperience — and relatively affordable for middle-aged drivers. Because every car insurance company prices age brackets differently, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose State Farm over Allstate: State Farm offers average yearly savings of $622 versusAllstate.


RATES BY AGE: Allstate VS. State Farm
AgeState 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

Costs aside, State Farm and Allstate each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

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
3 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsState FarmAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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 QuestionsWill my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?

I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...

Does state farm require you have a police report to file a claim?

My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...

One deductible for two accidents?

Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...

Are some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

See More Questions
Can I still be on my parent’s car insurance?

If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...

An automated security gate hit my door, should I file a claim or get them to pay for the damages?

There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...

Can an insurance company force add me to a policy even if I do not drive?

My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...

Can a claim be denied if I have scheduled personal property coverage for a home where I’m no longer living?

I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas ...

See More Questions
Compare MoreState Farm vs. 21st Century State Farm vs. Allied State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAAAllstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate vs. Travelers Allstate vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

State Farm vs Allstate

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Mexico Insurance: What Is It and What Companies Offer It?
Mexico Insurance: What Is It and What Companies Offer It?
Feb 06, 2017

Your U.S. driver’s license is valid nearly anywhere in the world you might find yourself driving. However, car insurance policies...

Can I Pay My Car Insurance with Bitcoin?
Can I Pay My Car Insurance with Bitcoin?
Jan 23, 2017

Unless you’re a whiz of the finance or technology variety, the concept of Bitcoin might still be mostly relegated to...

How the Neighborhoods You Drive through Could Soon Affect Your Car Insurance
How the Neighborhoods You Drive through Could Soon Affect Your Car Insurance
Jan 12, 2017

Ever put much thought into the series of highways and streets you take to work, school, or the grocery store?...

5 Insurance Tips You Need to Know before Renting Your Home on Airbnb
5 Insurance Tips You Need to Know before Renting Your Home on Airbnb
Jan 09, 2017

The sharing economy is currently worth about $26 billion and grows bigger each day. Even with regulations meant to curb...

Is Your Connected Home Smart Enough to Cut Your Insurance Costs?
Is Your Connected Home Smart Enough to Cut Your Insurance Costs?
Dec 02, 2016

Google Home and Amazon Echo: voice-activated assistants making life easier and cozier for families everywhere (ahem, say those heart-warming commercials...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

Telematics: Myth Vs. Reality
Telematics: Myth Vs. Reality
Aug 01, 2016

Most drivers have at least heard of telematics — even if they have no clue what utility or benefit telematics might...

The Drones Are Coming
The Drones Are Coming
Jul 20, 2016

For the casual observer, drones still exist mostly at extreme ends of the spectrum: either they’re used for (controversial) warfare,...

You Blink, You Pay? The Latest in Biometrics for Auto Insurance
You Blink, You Pay? The Latest in Biometrics for Auto Insurance
Apr 11, 2016

A once-fictional technology seemingly used by the likes of James Bond might soon be a feature in a car near...

The Surprising Reason Auto Insurance for Classic Cars is So Low
The Surprising Reason Auto Insurance for Classic Cars is So Low
Jan 07, 2016

It’s practically a universal truth: classic car owners take excellent care of their vehicles. On a whole, they tend to...

The Best Apps for Car Crashes and Emergencies
The Best Apps for Car Crashes and Emergencies
Dec 16, 2015

If you’ve ever been involved in a car crash, you know how difficult it can be to remember each detail...

Are Games and Rewards the Solution to Distracted Driving?
Are Games and Rewards the Solution to Distracted Driving?
Nov 16, 2015

Distracted driving is one of the biggest problems on our roadways. Car crashes are the leading cause of death for...

Breaking Down Insurance Deductibles
Breaking Down Insurance Deductibles
Nov 09, 2015

First, let’s start with the basics: a car insurance deductible is the amount of money the policyholder must pony up...

Why GEICO and Allstate Will Be Hiking Their Rates
Why GEICO and Allstate Will Be Hiking Their Rates
Sep 09, 2015

With recent news of rate hikes for some of the biggest auto insurance companies, shopping around for the best price...

Love Wins: Car Insurance Updates for Newly Married Same-Sex Couples
Love Wins: Car Insurance Updates for Newly Married Same-Sex Couples
Jul 09, 2015

Justice and equality scored a big win on June 26th, 2015: the Supreme Court made marriage a right for all...

Progressive Penalizes Aggressive Drivers
Progressive Penalizes Aggressive Drivers
Apr 22, 2015

We had a feeling it was coming. Since the introduction of programs like Progressive’s Snapshot, insurers have claimed that their...

Ridesharing and Car Insurance: A Little White Lie?
Ridesharing and Car Insurance: A Little White Lie?
Jan 02, 2015

When Harry Campbell first decided to supplement his 9 – 5 (as an aerospace engineer) by driving for Uber and...

Navigating Sustainable Driving: Buy Green, Save Green
Navigating Sustainable Driving: Buy Green, Save Green
Oct 09, 2014

Sure, we’ve all heard that sustainable driving has its perks—and maybe it’s even a little trendy. But did you know...

The Internet of Things for Cars: What Will it Mean for Insurance?
The Internet of Things for Cars: What Will it Mean for Insurance?
Aug 12, 2014

Imagine, for a moment, a world in which vending machines restock themselves. A world in which your wallet, via a...

How to Lower Car Insurance for Young Drivers
How to Lower Car Insurance for Young Drivers
Aug 06, 2014

When I turned sixteen, my father gave me the keys to a shiny blue 1998 Isuzu Rodeo—and the news that...