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.
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.
|Credit level||State Farm avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$3,522||$3,117|
|Very Good (740-799)||$1,451||$1,820|
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.
|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|
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.
|Age||State Farm avg. annual premium||Allstate avg. annual premium|
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 Comparison||State Farm||Allstate|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Allstate|
|JD Power Rankings||3 out of 5||3 out of 5|
|Other Products||State Farm||Allstate|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||Allstate|
|About||Get 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 Assistance||State 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 Discounts||State 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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|Compare More||State 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. USAA||Allstate 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|