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.

Jessica has been a contributor at Insurify since July 2023.

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 December 11, 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 $61 per month, and the cost with Farmers is $109 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.

Factor
Allstate
Farmers
IQ Score8.98.3
J.D. Power customer satisfaction score814 out of 1,000802 out of 1,000
Average quote: liability only$61$109
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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

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.

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
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.
$61/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.
$133/mo

The fourth-largest U.S. auto insurer by market share, Allstate is available in all 50 states. The company has been in business for more than 90 years and also sells home, renters, and condo policies — so it’s a good option for those who want to save by bundling auto with another type of policy. Allstate also offers helpful optional auto coverages, like gap insurance and accident forgiveness. AM Best gives the company a high rating for financial strength, but Allstate has a higher-than-average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Ample opportunities for bundling discount

  • Offers a pay-per-mile option

  • A+ (Superior) financial strength rating from AM Best

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

  • Below-average rank for customer satisfaction in many regions, according to J.D. Power’s 2024 U.S. Auto Insurance Study

Read more driver reviews of Allstate
Brian - December 11, 2024
Verified

Always Denied

They always seem to have an exception that denies your claim. I'm not satisfied with their service.

Stacy - December 11, 2024
Verified

Hated to Leave

I really hated to leave the Allstate Milewise program, but my son bought a new car and needed to insure it for a lesser amount.

Letasha - December 11, 2024
Verified

Poor

The rates are high and they don't really work with the people.

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.

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User Reviews
3.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
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.
$109/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.
$239/mo

Farmers Insurance sells policies in 42 states, and its more than 30 insurance offerings include auto, home, renters, earthquake, life, business, and pet insurance. Farmers has more than 20 auto insurance discount options, providing many ways drivers can save on premiums. Drivers can qualify for discounts by bundling policies, paying in full, being accident-free for five years, installing anti-theft devices, and taking a defensive driving course, among other things. Farmers also receives fewer customer complaints than the market average with the National Association of Insurance Commissioners.

Pros
  • Many auto insurance discounts

  • Robust roadside assistance program

  • Offers customized equipment coverage add-on

Cons
  • Lower customer satisfaction scores from J.D. Power

  • Tends to have higher premiums than some competitorsNot available in every state

Read more driver reviews of Farmers
Lue - December 11, 2024
Verified

I love Farmers. However, the payment is way too high. I am retired and drive for pleasure only, with just 61400 miles. At 88 years old, I need a senior, low mileage, no tickets discount and I would come back. I love agent Garrett in Waukegan, IL.

I love Farmers. However, the payment is way too high. I am retired and drive for pleasure only, with just 61400 miles. At 88 years old, I need a senior, low mileage, no tickets discount and I would come back. I love agent Garrett in Waukegan, IL.

Nell - December 11, 2024
Verified

Absentee Reply

I never received a call back.

Johnny - December 11, 2024
Verified

Too High

Too expensive.

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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.

What Is Telematics Car Insurance? A Complete Guide to Smarter, Cheaper Coverage

What Is Telematics Car Insurance? A Complete Guide to Smarter, Cheaper Coverage

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 Type
Allstate
Farmers
Clean driving record$61$109
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 Type
Allstate
Farmers
Drivers with a speeding ticket$73$130
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 Type
Allstate
Farmers
18-year-old$115$197
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 Type
Allstate
Farmers
Drivers with bad credit$73$131
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 Type
Allstate
Farmers
Senior drivers$47$80
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.

Coverage
Allstate
Farmers
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.

Discount
Allstate
Farmers
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 $61, Farmers monthly premiums of $109 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.

Jessica has been a contributor at Insurify since July 2023.

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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