Allstate vs. Farmers: Which Is the Best? (2024)

Allstate takes first place over Farmers, thanks to its low rates and high Insurify Quality (IQ) Score.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 13, 2024

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Allstate and Farmers are large insurers that provide a variety of auto insurance options. Allstate offers lower insurance premiums and has higher customer satisfaction ratings for auto claims, according to J.D. Power. But Farmers offers a bigger selection of auto insurance discounts.

When searching for a new auto insurance policy, it’s a good idea to compare multiple insurance companies and their rates, customer service, discounts, and coverage options to find the best policy for your needs.

Quick Facts
  • The national average cost of liability insurance with Allstate is $62 per month, and the cost with Farmers is $111 per month.

  • While Farmers has higher rates than Allstate, it also has more advertised discounts.

  • Allstate offers gap insurance, while Farmer’s doesn’t.

Allstate vs. Farmers: The verdict

Overall, Allstate wins over Farmers as the top insurer based on its lower premiums, higher J.D. Power customer satisfaction score for auto claims, and higher IQ Score.

Both companies offer all the standard auto insurance options, including liability insurance, collision insurance, and comprehensive insurance. They also offer a variety of add-ons. But Farmers doesn’t offer gap insurance. When comparing discounts, Farmers has a larger selection than Allstate.

FactorAllstateFarmers
IQ Score4.44.2
J.D. Power customer satisfaction score814 out of 1,000802 out of 1,000
Average quote: liability only$62$111
Number of discounts1422
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Allstate

Allstate insurance company is the fourth-largest auto insurance company, with 10.6% of the market share, according to the National Association of Insurance Commissioners (NAIC). Allstate offers a variety of insurance products, including property, life, business, phone protection, and more.

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$137/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Read our Allstate review
Mark - June 13, 2024
Verified

Terrible, company didn't cover two rocks hitting my windshield

The assistance was awful.

Jay - June 13, 2024
Verified

Not the Greatest, But OK

The app isn't great, so it's better to deal with an agent.

Louis - June 13, 2024
Verified

Allstate is Overpriced

They are way too expensive.

Farmers

Farmers auto insurance is the seventh-largest insurance company in the U.S., with 4.7% of the market share. In addition to car insurance, Farmers offers home, life, business, pet insurance, and more.

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$111/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$248/mo

The seventh largest insurer in the U.S., Farmers has been in business for more than 100 years. The company offers about 30 different types of insurance, including auto, home, renters, flood, earthquake, life, and business insurance. Farmers offers numerous discounts, including for multiple cars, safe driving, anti-theft equipment, and bundling. Swiss insurer Zurich Insurance owns Farmers. With an A rating from A.M. Best for financial stability, Farmers has mixed online reviews from customers, and about four times as many complaints as expected in the National Association of Insurance Commissioners Customer Complaint Index.

Pros
  • Many discounts

  • Robust roadside assistance program

Cons
  • Lower customer satisfaction

  • Tends to have higher premiums than some competitors

Read our Farmers review
Sky - June 12, 2024
Verified

Not too good

The rates were too high and they switched my rates.

Christopher - June 12, 2024
Verified

They claimed they were withdrawing from California, but in reality, they are simply shedding Metlife customers who are paying less than their current customers. This action has cost us several hundred dollars per year when Farmers cancelled all our policies. Additionally, they refused to adjust my accident to less than fully at fault, even though the truck I hit was illegally parked on the street. This is costing me hundreds of dollars per year!

They claimed they were withdrawing from California, but in reality, they are simply shedding Metlife customers who are paying less than their current customers. This action has cost us several hundred dollars per year when Farmers cancelled all our policies. Additionally, they refused to adjust my accident to less than fully at fault, even though the truck I hit was illegally parked on the street. This is costing me hundreds of dollars per year!

Larry - June 11, 2024
Verified

I wouldn't recommend using Farmers. My agent transferred my policy to another agent in Orange County. The communication was very poor, with slow email responses and it took weeks to get proof of insurance. I also feel that I was severely overcharged.

I wouldn't recommend using Farmers. My agent transferred my policy to another agent in Orange County. The communication was very poor, with slow email responses and it took weeks to get proof of insurance. I also feel that I was severely overcharged.

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Allstate Drivewise vs. Farmers Signal

Allstate and Farmers have telematics programs that can give you a discount on your rates if you’re a safe driver. 

Drivewise is Allstate’s free telematics tool that tracks your driving behaviors and rewards good driving with discounts. This is an optional program that you can enroll in using Allstate’s mobile app. You can receive a policy discount just for enrolling in Drivewise, and it’s possible to receive a policy credit every six months. The amount and type of savings vary between states.

Farmer offers a similar program called Signal. You can download the Signal by Farmers app on your smartphone, and it monitors your driving behaviors, including your speed, braking habits, and when you use your phone. When you renew your policy, you can potentially save money if you practice safe driving. But if you demonstrate risky driving behaviors, it could cause your premiums to increase when you renew.

Telematics Car Insurance: What to Know

Telematics Car Insurance: What to Know

Allstate vs. Farmers: Which is the cheapest?

When comparing Allstate and Farmers on price, Allstate has the cheapest car insurance, according to Insurify rate data. Allstate premiums are lower on average for drivers with a clean record, as well as drivers with a violation, including a ticket, accident, or DUI.

The cost of your insurance policy will depend on many factors, including your age, gender, ZIP code, driving history, type of insurance coverage, and the car you drive.[1]

Allstate: Cheapest for drivers with a clean driving record

If you want to keep your insurance premiums low, aim to keep a clean driving record. A record that includes an accident and speeding tickets can result in higher insurance costs. Allstate offers cheaper insurance for people with clean driving records.

Driver TypeAllstateFarmers
Clean driving record$62$111
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for drivers with a speeding ticket

Having speeding tickets on your driving record can cause your premiums to go up. For these drivers, Allstate offers cheaper insurance than Farmers.

Driver TypeAllstateFarmers
Drivers with a speeding ticket$72$127
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for teen drivers

Teen drivers pay the highest insurance premiums due to lack of experience and because they engage in risky driving behaviors, including distracted driving and speeding.[2] Allstate has cheaper rates than Farmers for teen and young drivers.

Driver TypeAllstateFarmers
18-year-old$105$191
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for drivers with bad credit

Many states permit insurers to use credit history as a factor in determining insurance premiums. Poor credit is associated with a higher likelihood of filing a car insurance claim.[3] Good credit may help lower your monthly insurance rates. Allstate offers cheaper rates for drivers with bad credit.

Driver TypeAllstateFarmers
Drivers with bad credit$75$134
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for senior drivers

In general, senior drivers obey the rules of the road, speed less, and have more driving experience. This can result in lower insurance premiums.[4] Senior drivers looking for the cheapest car insurance rates should go with Allstate over Farmers.

Driver TypeAllstateFarmers
Senior drivers$48$81
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Allstate vs. Farmers

In addition to auto insurance, both Allstate and Farmers offer a variety of other insurance products, including homeowners insurance, life insurance, and business insurance.

When it comes to auto coverage, both companies offer the main types of insurance, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured coverage.

Both companies also provide a variety of add-on coverages. But Allstate offers gap insurance coverage, and Farmers doesn’t.

CoverageAllstateFarmers
Gap insuranceYesNo
Towing/roadside assistanceYesYes
Rideshare insuranceYesYes
Rental car reimbursementYesYes
Personal injury protectionYesYes

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Compare discounts: Allstate vs. Farmers

Allstate and Farmers both offer a variety of useful discounts, but Farmers takes the win for the number of available discounts.

Through Farmers’ affinity discount, employees and retired employees in certain occupations — including doctors, RNs, dentists, teachers, and firefighters — can take advantage of special savings. The same is true for military customers who are active duty, active reserves, retired, or veterans who have been honorably discharged.

The table below highlights some of the discounts available to Allstate and Farmers customers.

DiscountAllstateFarmers
Clean driving recordNoYes
Defensive driving courseNoYes
Multi-policyYesYes
Multi-carNoYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesYes (not in all states)
New carYesNo
Military/affiliationNoYes
Good studentYesYes
LoyaltyNoNo
Auto payYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelNoYes (only in California)

Allstate vs. Farmers FAQs

When comparing Allstate and Farmers car insurance companies, this additional information may help you decide.

  • Are Farmers and Allstate the same?

    No, Farmers and Allstate aren’t the same — they’re different insurance companies. Both companies provide a variety of insurance products, including auto insurance, homeowners insurance, life insurance, and business insurance.

  • Why is Farmers Insurance so expensive?

    Compared to Allstate’s average monthly liability premiums of $62, Farmers monthly premiums of $111 seem very expensive. But Farmers’ monthly liability premium is only slightly higher than the national liability-only average of $105. Your individual car insurance premiums depend on a variety of factors, including your age, gender, ZIP code, and driving record.

  • Does Allstate or Farmers have better customer service?

    Allstate and Farmers scored similarly for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study. Allstate received a rating of 814 out of 1,000, and Farmers received a rating of 802. Both Allstate and Farmers have low scores of 1.4 and 1.5 out of 5 stars on Trustpilot, which could indicate a poor customer service experience. If customer service is important to you, researching these and other companies is the best way to see which ones have the best ratings.

  • Which company is better at paying claims: Allstate or Farmers?

    Allstate has a slightly higher overall claims satisfaction ranking at 882 out of 1,000 versus Farmers’ ranking of 878, which is the industry average, according to J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study. Their similar ratings indicate that both companies can pay out claims.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  3. Insurance Information Institute. "Background on: Credit Scoring."
  4. Insurance Information Institute. "Senior driving safety and insurance tips."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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