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 StrengthSuperiorSuperior
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.
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