Allstate vs Farmers Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Allstate
85
What is this?

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Allstate VS Farmers
85
85
What is this?
User Ratings
OptionsAllstate Farmers
Rating/Reviews
1,114 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAllstate Farmers
Call Center RepresentativeAbout average--
Insurer WebsiteThe restAbout average
Local AgentAbout averageAbout average
Overall SatisfactionThe restAbout average
Policy OfferingsThe restAbout average
PricingThe restAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAllstate Farmers
Claim ServicingAbout averageAbout average
Estimation ProcessBetter than mostAbout average
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAllstate Farmers
California820 pt
About average
795 pt
The rest
Central822 pt
About average
821 pt
About average
Florida837 pt
Better than most
820 pt
About average
Mid-Atlantic837 pt
About average
814 pt
The rest
New England834 pt
Better than most
--
New York824 pt
About average
--
North Central823 pt
About average
808 pt
The rest
Northwest798 pt
The rest
785 pt
The rest
Southeast830 pt
About average
--
Southwest815 pt
About average
797 pt
The rest
Texas835 pt
Better than most
822 pt
About average
Mobile App Ratings
RegionAllstate Farmers
Android
12,515 Reviews
2,565 Reviews
iOS
56,800 Reviews
538 Reviews
Financial Ratings
OptionsAllstate Farmers
A.M. BestA+A
FitchA+A+
Moody'sAa3A2
Standard & Poor'sAA-A

Auto Insurance Quotes

For Married Drivers

CityAllstate Farmers
Austin$37--
Chicago$111$124
Philadelphia$133--
Phoenix$105$126
Santa Monica$116$120

For Single Drivers

CityAllstate Farmers
Austin$42--
Chicago$128$117
Philadelphia$136--
Phoenix$129$120
Santa Monica$255$263

For Male Drivers

CityAllstate Farmers
Austin$39--
Chicago$124$129
Philadelphia$129--
Phoenix$129$129
Santa Monica$252$269

For Female Drivers

CityAllstate Farmers
Austin$39--
Chicago$116$112
Philadelphia$139--
Phoenix$105$117
Santa Monica$120$114

For Drivers with Speeding Ticket

CityAllstate Farmers
Austin$44--
Chicago$175$163
Philadelphia$144--
Phoenix$163$157
Santa Monica$341$302

For Drivers with No Speeding Ticket

CityAllstate Farmers
Austin$38--
Chicago$108$111
Philadelphia$133--
Phoenix$107$116
Santa Monica$153$168

For Drivers Age Between 18-40

CityAllstate Farmers
Austin$41--
Chicago$130$120
Philadelphia$130--
Phoenix$134$123
Santa Monica$290$303

For Drivers Age Between 40-65

CityAllstate Farmers
Austin$37--
Chicago$102$115
Philadelphia$121--
Phoenix$94$118
Santa Monica$104$104

For Drivers Age of 65+

CityAllstate Farmers
Austin$41--
Chicago$146$142
Philadelphia$193--
Phoenix$141$143
Santa Monica$101$101

For Drivers with Average Credit

CityAllstate Farmers
Austin$41--
Chicago$122$116
Philadelphia$149--
Phoenix$114$123
Santa Monica$153$149

For Drivers with Fair Credit

CityAllstate Farmers
Austin$38--
Chicago$125$132
Philadelphia$154--
Phoenix$117$134
Santa Monica$133$134

For Drivers with Good Credit

CityAllstate Farmers
Austin$38--
Chicago$107$126
Philadelphia$120--
Phoenix$103$128
Santa Monica$129$140

For Drivers with Excellent Credit

CityAllstate Farmers
Austin$41--
Chicago$125$108
Philadelphia$114--
Phoenix$134$108
Santa Monica$328$343

Quotes & Discounts

Discount typeAllstate Farmers
teenSMARTUp to 35%Varies
Accident ForgivenessUp to 30%--
Defensive DriverUp to 20%Varies
New CarUp to 15%--
Anti-Theft DeviceUp to 10%Varies
Anti-lock BrakeUp to 10%Varies
E-billingUp to 10%Varies
EV/HybridUp to 10%Up to 5%
Early QuoteUp to 10%Varies
Farm VehicleUp to 10%--
Good DriverUp to 10%Varies
Good StudentUp to 10%Varies
Low MileageUp to 10%--
Multiple PolicyUp to 10%Up to 10%
Multiple VehicleUp to 10%Varies
Paid in fullUp to 10%Varies
Passive RestraintUp to 10%Varies
PrepayUp to 10%Varies
Preferred paymentUp to 5%Varies
Senior AdultUp to 5%Varies
Student Away at SchoolUp to 5%Varies
DeductibleVaries--
Discount FinderVaries--
Driving trainingVariesVaries
FamilyVariesVaries
Paperless documentsVariesVaries
Utility VehicleVaries--
Affinity group--Varies
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving Habits--Varies
Electronic Stability Control--Varies
Good Payer--Varies
Home Owner--Varies
Loyalty--Varies
Mature driver--Varies
Military--Varies
On Your Own--Varies
Organization--Varies
Professional organization--Varies
Provider Switch--Varies
VIN Etching--Varies
Youth Driving--Varies

Payment Methods

Discount typeAllstate Farmers
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesAllstate Farmers
24/7 serviceyes--
Accident forgivenessyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Loyalty rewards programyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAllstate Farmers
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
--yes
Emergency Lockout Coverage
yesyes
Glass Coverage --yes
Incident Forgiveness
--yes
Loss of Use Coverage
yesyes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yesyes
No Fault Coverage
yesyes
Original Equipment Manufacturer Coverage
--yes
Personal/Upgraded Item Coverage
--yes
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yesyes
Roadside Assistance
yesyes
Small Claim Forgiveness
--yes
Sound System Coverage
yes--
Umbrella Policy
yesyes
Vanishing Deductible
--yes

Uber and Lyft driver insurance

  • Allstate
  • Farmers
  • Both

SR‌-22 Insurance by State

  • Allstate
  • Farmers
  • Both

Compare Insurance Products

ProductAllstate Farmers
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Earthquake InsuranceEarthquake Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyesyes
Recreational InsuranceRecreational Insurance--yes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Allstate Reviews
  • Farmers Reviews
3.6
5 Stars
39 %
4 Stars
20 %
3 Stars
15 %
2 Stars
10 %
1 Star
16 %

Most Positive Review

By James
All of the hard work you guys have done to try to find me the cheapest rate and always staying in contact with me to make sure everything is going okay I love this they really are kindness towards their future customers

Most Critical Review

By Jerry
The last three policy periods Allstate has increased my premiums. I have no accidents, no tickets, no DUI's, no nothing and yet you continue to punishment me by raising my rates. Last period I had to raise my deductible from 500 to 750 just so I could continue to pay my premiums. I am VERY, VERY, VERY UNHAPPY with Allstate. Allstate gets a ZERO rating from me.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

Jessica
Thanks Allstate for being the absolute worst. Not only is my husband's birthday ruined due to the news of you not paying for a claim YOUR insured did, now i am out of a van, which will in turn ruin my job and make it incredibly difficult to put food on the table for my kid. when calling to file a claim the representative was quick to say they couldn't help. Despite video evidence at the place the incident occurred, allstate has now let us know they are denying the claim and will only look into it if somehow the store will release the footage to us personally. (We all know how that goes), kind of a odd slogan for allstate to ask us if we're in good hands if they don't seem to care if we actually are in good hands.. I worked for allstate and actually loved it, but to see the insured side of things is real eye opening. Glad that I have stuck by USAA as I know I'm covered. Thanks allstate for giving me that reassurance to not using you in the future nor referring others to you as well.
Betty Tsiolis
We are very pleased with our Allstate coverages thanks to our woneerful agent!
Ally
They are okay. Trying to become more competitive with other carriers but we'll see how it all works out. Drivewise is a good idea but it can be a handful.
Miles Barkley
Decent price for their rental coverage. Having the app and online account available if I ever wanted to make changes was a nice bonus.
Taye Gonfa
I have been with Allstate for over three years. Every year, my premium goes up despite my clean driving record and my cars getting old. They always tell me it is from the state not them. Finally, I decided to move to a different agency. Then they sent me a bill for outstanding balance also I have already paid in full the month they refer to, and left them days before my next bill is due. What makes this not a burglary in daylight?
Georgia Driver
Allstate sucks. I've been with them for 10 or more years now and every year my rates go higher no matter what. Finally this last increase was too much! Switched to Liberty Mutual and paying less than I have with allstate for all of the last 10 years. RIDICULOUS. Go with someone else....literally anyone would be better than allstate
Aye
My policy changes after 6 months and I cannot afford for it. I need cheaper one.
Gabriel
Good service at a cheap price.
Robert
They have been good for the most part
Susan
Service. The rates need improvement
Showing 1 - 10 out of 1000 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.