State Farm vs Allstate Car Insurance

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

My car was towed by an apartment complex when I was visiting. It was not roadside assistance towing, is there ...

What could be the reason State Farm increased my premium?

No accident, no ticket, no changes on my side. It is not normal for a premium to increase for no ...

I started a claim but canceled it with no payout. Why is it on my CLUE report?

As I stated, nothing at all was done on a claim I started, just conversation. But when I bought coverage ...

Does State Farm match auto insurance quotes with other companies?

In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...

See More Questions
Do I have to list my spouse as a driver?

I want to make sure because someone told me it is against the law not to have them listed. I ...

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 ...

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. Farm Bureau Mutual 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. North Star Mutual 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. Farm Bureau Mutual 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. North Star Mutual 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

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