State Farm vs Allstate Car Insurance

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

July 31, 2018

State Farm and Allstate are two of the leading car insurance companies in the US, in terms of market share. Each boasts an A+ financial strength rating from AM Best, offers round-the-clock customer service and claims reporting, and a number of customer discounts. When you compare policies from State Farm and Allstate, consider the premiums each carrier typically offers, along with add-ons like accident forgiveness and special discounts.

 

Compare Allstate vs. State Farm auto insurance rates

 

Allstate vs. State Farm auto insurance rates by credit level

If you have a very poor or a fair credit score, the Allstate vs. State Farm decision is a toss-up. If you have a very good or exceptional credit score, choosing State Farm could save you upward of $100 per year on your auto insurance policy.

 

Credit level

Allstate premium

State Farm premium

Very Poor (300-579)

$2,913

$2,907

Fair (580-669)

$2,403

$2,359

Good (670-739)

$1,984

$1,916

Very Good (740-799)

$1,648

$1,572

Exceptional (800-850)

$1,383

$1,292

 

Allstate vs. State Farm car insurance rates with bad driving records

If you’ve racked up any moving violations or citations recently, State Farm could be more affordable than Allstate. In fact, with a DUI on your record, State Farm’s premiums could be up to $264 per year less than Allstate’s. For drivers with clean records and fewer claims, State Farm is slightly more affordable.

 

Citation

Allstate premium

State Farm premium

At-fault accident (damage <$1,000)

$2,072

$2,039

At-fault accident (damage >$1,000)

$2,323

$2,234

DUI

$2,742

$2,478

Reckless driving

$2,695

$2,454

None

$1,573

$1,496

 

Allstate vs. State Farm rates by vehicle type

Allstate's and State Farm’s rates don’t differ much for most types of vehicles, although Allstate is the cheaper company across the board. Sedan-drivers recoup the most by choosing Allstate coverage over State Farm, saving an average of $187 per year.

 

Vehicle type

Allstate premium

State Farm premium

Sedan

$1,389

$1,576

Van

$1,561

$1,625

SUV

$1,248

$1,407

Truck

$1,619

$1,696

Luxury

$2,177

$2,236

Green

$1,727

$1,770

 

Allstate vs. State Farm rates for teen drivers

Both Allstate and State Farm are exceptionally expensive options for teen driver car insurance. Of the two, Allstate is the more affordable choice for a 17-year-old driver, with an annual 6-month premium 23% cheaper than State Farm’s.

 

Age

Allstate premium (6-mo.)

State Farm premium (6-mo.)

17 years old

$2,295

$2,999

 

Aside from their insurance premiums, you should weigh Allstate’s and State Farm’s other offerings, including the insurance companies’ discounts, roadside assistance programs, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

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 QuestionsOne 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 ...

Can my insurance agent list me as single even if I’m married?

I am married but my wife is not licensed. My insurance carrier and agent says they have to list me ...

What on my driving record is raising my car insurance premium

I’m with State Farm. I have been since May 2012. I figured out my monthly cost is $68.21 for basic ...

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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
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