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

State Farm’s relatively low rates and high customer satisfaction earn it a higher Insurify Quality (IQ) Score than Allstate.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

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 July 14, 2024

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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.

FactorAllstateState Farm
IQ Score8.99.3
J.D. Power customer satisfaction score882 out of 1,000891 out of 1,000
Average quote: liability only$63$55
Number of available discounts1111
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 28,000 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.

Compare personalized, real-time quotes
User Reviews
3.2
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.
$63/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.
$138/mo

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
  • 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 more driver reviews of Allstate
Jennie - July 14, 2024
Verified

Cain Insurance is Great!

Cain Insurance has always been fair to me and my late husband.

Brice - July 13, 2024
Verified

Disappointed with Allstate

I would never continue a relationship that is supposed to be mutually beneficial for an extended period of 13 years, knowing that they never had my best interest at heart. They may mislead you to add onto your coverage by promising that if you have to utilize that benefit, it will offer you certain advantages. However, when you attempt to utilize an endorsement that costs you additional money on your premium, it offers nothing that they used to upsell that endorsement. With Allstate, it feels like you're in the hands of a company that prioritizes its own interests.

Anthony - July 13, 2024
Verified

Difficulties with Allstate's Phone Service

The telephone service is poor; it's hard to speak to anyone knowledgeable.

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.

Compare personalized, real-time quotes
User Reviews
3.3
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.
$55/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.
$120/mo

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

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

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 TypeAllstateState Farm
Clean driving record$138$120
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.

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 TypeAllstateState Farm
Drivers with a speeding ticket$161$138
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.

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 TypeAllstateState Farm
18-year-old$237$192
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 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 TypeAllstateState Farm
Drivers with bad credit$168$178
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.

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 TypeAllstateState Farm
Senior drivers$108$88
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. 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.

CoverageAllstateState Farm
Gap insuranceYesNo
Rideshare insuranceYesYes
Emergency road service coverageYesYes
Rental car reimbursementYesYes
Travel expenses coverageNoYes

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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.

DiscountAllstateState Farm
Clean driving recordNoYes
Defensive driving courseNoYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesYes
New carYesNo
Military/affiliationYes (but only in Louisiana, where state law mandates insurers offer it)Yes
Good studentYesYes
LoyaltyYesYes

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 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. J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
  2. Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
  3. Allstate. "Drivewise FAQs."
  4. State Farm. "Drive Safe & Save."
Sarah Sharkey
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

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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