Allstate vs. State Farm: Which Is the Best? (2025)
State Farm’s relatively low rates and high customer satisfaction earn it a higher Insurify Quality (IQ) Score than Allstate.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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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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Table of contents
Allstate and State Farm are two of the largest companies in the auto insurance industry, primarily because of their brand awareness and financial strength. But both companies have their relative strengths and trade-offs.
For example, State Farm earned a higher customer satisfaction rating in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.[1] In contrast, Allstate offers some coverage options that State Farm doesn’t.
If you’ve narrowed your choices between these two industry leaders, it’s critical to look at the details carefully. Comparing rates, customer service, coverage options, and discount opportunities can help you find the best option for your situation.
Quick Facts
Both Allstate and State Farm earned an Insurify Quality (IQ) Score of above 4 out of 5.
On average, State Farm offers lower liability-only quotes.
Both of these major companies operate in most states (State Farm doesn't offer new auto policies in Massachusetts or Rhode Island) and Washington, D.C.
Allstate vs. State Farm: The verdict
State Farm earned a higher J.D. Power customer satisfaction score and a higher Insurify Quality (IQ) Score than Allstate. State Farm’s IQ Score is 9.3, and Allstate has an IQ Score of 8.9.
State Farm also tends to offer lower average rates than Allstate for both liability-only and full-coverage policies. However, Allstate offers slightly more opportunities to score a discount.
Both insurance companies offer lower average premiums than the national average.
Drivers looking for more add-ons, including gap insurance, might prefer to work with Allstate. In contrast, State Farm doesn’t offer specialty coverage options like gap insurance.
Both insurers offer rideshare coverage to their customers.
Factor  | Allstate | State Farm |
|---|---|---|
| IQ Score | 8.9 | 9.3 |
| J.D. Power customer satisfaction score | 882 out of 1,000 | 891 out of 1,000 |
| Average quote: liability only | $74 | $56 |
| Number of available discounts | 11 | 11 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 is the fourth-largest property/casualty insurer in the United States based on direct premiums written.[2] Although Allstate’s rates tend to be higher than State Farm’s, it earned an above-average J.D. Power customer satisfaction score.
| User Reviews | 3.9 |
|---|---|
| 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. | $74/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. | $139/mo |
3.9
A solid optionBased on 7,728 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,935)
David
Verified Review
ALLSTATE 1125
Reviewed in Illinois on December 2025
They have been very helpful under my circumstances.
Terry
Verified Review
My Allstate
Reviewed in Minnesota on December 2025
I think it's too expensive.
Kyle
Verified Review
Poor
Reviewed in South Carolina on December 2025
They keep increasing my premium even though I have not caused any accidents.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Founded by retail giant Sears, Roebuck & Co. in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states and Washington, D.C., the Chicago-area based company has superior ratings from AM 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 (NAIC) 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
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
State Farm
State Farm is the largest U.S. property/casualty insurer based on direct premiums written.[2] But even with its large size, State Farm keeps policyholders happy with a high level of customer satisfaction and relatively low car insurance rates.
| User Reviews | 4.1 |
|---|---|
| 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. | 9.3 /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. | $56/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. | $109/mo |
4.1
Best choiceBased on 12,691 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,548)
Betty
Verified Review
I Love Them and They Have Always Treated Me Well
Reviewed in Ohio on December 2025
They are great. I couldn't ask for better car insurance. I've been with them for a few years and I never change to anyone else. They are an excellent car insurance company and they treat you well.
Elaine
Verified Review
My agent is wonderful but I need a better rate
Reviewed in Arizona on December 2025
My car insurance went up every year.
Rhonda
Verified Review
Curious
Reviewed in Alabama on December 2025
Good customer service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 48 states and Washington, D.C. through an exclusive distribution network of 19,000 local agents, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the NAIC Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with infractions
Allstate Drivewise vs. State Farm Drive Safe & Save
Allstate’s Drivewise and State Farm’s Drive Safe & Save usage-based telematics programs both offer an opportunity for safe drivers to earn a discount on their insurance premiums.
Allstate’s Drivewise program is a free option you can add to any Allstate insurance policy. You can sign up for the program by downloading the mobile app, which will track your driving behavior. Every six months, you could receive a policy credit for practicing safe driving habits. But the exact discount you receive varies based on your driving behavior and location.[3]
In contrast, State Farm’s Drive Safe & Save program advertises a discount of up to 30%. Most drivers will connect to the program through a mobile app. But if you have an eligible Ford or Lincoln vehicle, you can link the program directly to your vehicle. The program rewards safe drivers with a discount on their insurance premiums.[4]
Neither program will raise your rates if it detects poor driving habits.
Allstate vs. State Farm: Which is the cheapest?
Car insurance companies determine your insurance premiums through slightly different methods. Your age, gender, marital status, driving record, credit history, and more all affect your premiums. This is why it’s important to compare quotes from several insurers to find the best policy for you. But State Farm offers more competitive rates than Allstate, on average.
State Farm: Cheapest for drivers with a clean driving record
Drivers without any incidents, like speeding tickets or at-fault accidents, typically pay lower rates with State Farm. Here, you can see how full-coverage monthly rates compare for drivers with a clean record.
Driver Type | Allstate | State Farm |
|---|---|---|
| Clean driving record | $139 | $109 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for drivers with a speeding ticket
After a speeding ticket, drivers face higher average insurance premiums with Allstate. Here, you can see how each insurer’s full-coverage monthly rates stack up.
Driver Type | Allstate | State Farm |
|---|---|---|
| Drivers with a speeding ticket | $182 | $136 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for teen drivers
Young drivers pay more for car insurance than drivers with more experience behind the wheel. However, State Farm offers lower average monthly car insurance premiums than Allstate for teen drivers.
Driver Type | Allstate | State Farm |
|---|---|---|
| 18-year-old | $296 | $222 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate: Cheapest for drivers with poor credit
Allstate customers with poor credit enjoy lower rates than State Farm. But in general, drivers with a bad credit score can expect to pay higher rates for insurance than drivers with a good credit score. Keep in mind California, Hawaii, Massachusetts, and Michigan prohibit insurers from using credit as a rating factor.
Driver Type | Allstate | State Farm |
|---|---|---|
| Drivers with bad credit | $169 | $175 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for senior drivers
State Farm offers senior drivers (generally drivers in their 60s or older) lower average premiums than Allstate. But shopping around can help senior drivers find the better choice for their situation.
Driver Type | Allstate | State Farm |
|---|---|---|
| Senior drivers | $108 | $78 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: Allstate vs. State Farm
Both Allstate and State Farm offer standard coverage options like bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist coverage, collision, and comprehensive coverage.
However, there are some differences in their extra coverage options. For example, Allstate offers gap insurance and State Farm doesn’t. The table below illustrates some of the coverages available with each insurer.
Coverage | Allstate | State Farm |
|---|---|---|
| Gap insurance | Yes | No |
| Rideshare insurance | Yes | Yes |
| Emergency road service coverage | Yes | Yes |
| Rental car reimbursement | Yes | Yes |
| Travel expenses coverage | No | Yes |
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Compare discounts: Allstate vs. State Farm
State Farm and Allstate each offer a suite of discounts.
State Farm drivers have access to more discount opportunities than Allstate drivers in most states. But both insurers offer several insurance products, including home insurance and life insurance, and they offer a discount for bundling the products with your auto insurance.
The table below illustrates which discounts are available to drivers through each insurance company.
Discount | Allstate | State Farm |
|---|---|---|
| Clean driving record | No | Yes |
| Defensive driving course | No | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | Yes | No |
| Military/affiliation | Yes (but only in Louisiana, where state law mandates insurers offer it) | Yes |
| Good student | Yes | Yes |
| Loyalty | Yes | Yes |
Allstate vs. State Farm FAQs
If you have questions about carrying car insurance through Allstate and State Farm, you can find answers here.
Is it better to have Allstate or State Farm?
Every driver has a unique situation, which means the right insurance company is different for everyone. But in general, State Farm offers lower rates and earned a higher J.D. Power customer satisfaction rating in most regions.
Which company is bigger: Allstate or State Farm?
State Farm is a bigger insurance company than Allstate based on market share. But in terms of direct premiums written, both companies rank in the top five largest car insurance companies.
Which company is State Farm’s biggest competitor?
State Farm is the largest auto insurer in the U.S. by market share, owning a cumulative 16.84% of the market, according to NAIC data. In terms of direct premiums, Progressive is the second-largest U.S. auto insurer. GEICO, owned by Berkshire Hathaway, is the third-largest car insurer by market share, while Allstate and USAA are fourth and fifth, respectively.
What are the main differences between Allstate and State Farm’s insurance policies?
Price is one main difference between Allstate and State Farm auto insurance policies. In general, State Farm offers lower average rates than Allstate. However, Allstate offers more add-on coverage options, including gap coverage and accident forgiveness for all customers.
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 500+ 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
- 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.
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Sources
- J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
- Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
- Allstate. "Drivewise FAQs."
- State Farm. "Drive Safe & Save."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.