4.8out of 3,000+ reviews
Allstate vs State Farm Car Insurance
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Last Updated February 1, 2022
Ratings
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Allstate
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State Farm
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Allstate VS State Farm
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User Ratings
| Options | Allstate  | State Farm |
|---|---|---|
| Rating/Reviews | 1,114 reviews | 2,186 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | Allstate | State Farm |
|---|---|---|
| Call Center Representative | About average | -- |
| Insurer Website | The rest | The rest |
| Local Agent | About average | About average |
| Overall Satisfaction | The rest | About average |
| Policy Offerings | The rest | About average |
| Pricing | The rest | The rest |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | Allstate | State Farm |
|---|---|---|
| Claim Servicing | About average | About average |
| Estimation Process | Better than most | Better than most |
| First Notice of Loss (FNOL) | About average | About average |
| Overall Satisfaction | About average | About average |
| Rental Experience | About average | About average |
| Repair Process | Better than most | About average |
| Settlement | About average | About average |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | Allstate | State Farm |
|---|---|---|
| California | 820 pt About average | 813 pt About average |
| Central | 822 pt About average | 824 pt About average |
| Florida | 837 pt Better than most | 798 pt The rest |
| Mid-Atlantic | 837 pt About average | 826 pt The rest |
| New England | 834 pt Better than most | 838 pt Better than most |
| New York | 824 pt About average | 820 pt About average |
| North Central | 823 pt About average | 840 pt Better than most |
| Northwest | 798 pt The rest | 817 pt About average |
| Southeast | 830 pt About average | 821 pt About average |
| Southwest | 815 pt About average | 829 pt Better than most |
| Texas | 835 pt Better than most | 816 pt The rest |
Mobile App Ratings ℹ
| Region | Allstate | State Farm |
|---|---|---|
| Android | 12,515 Reviews | 12,082 Reviews |
| iOS | 56,800 Reviews | 288 Reviews |
Financial Ratings
| Options | Allstate | State Farm |
|---|---|---|
| A.M. Best | A+ | A++ |
| Fitch | A+ | -- |
| Moody's | Aa3 | Aa1 |
| Standard & Poor's | AA- | AA |
Auto Insurance Quotes
For Married Drivers
| City | Allstate | State Farm |
|---|---|---|
| Austin | $37 | $52 |
| Chicago | $111 | $54 |
| Philadelphia | $133 | $73 |
| Phoenix | $105 | $72 |
| Santa Monica | $116 | $81 |
For Single Drivers
| City | Allstate | State Farm |
|---|---|---|
| Austin | $42 | $54 |
| Chicago | $128 | $54 |
| Philadelphia | $136 | $74 |
| Phoenix | $129 | $64 |
| Santa Monica | $255 | $117 |
For Male Drivers
| City | Allstate | State Farm |
|---|---|---|
| Austin | $39 | $52 |
| Chicago | $124 | $53 |
| Philadelphia | $129 | $72 |
| Phoenix | $129 | $63 |
| Santa Monica | $252 | $116 |
For Female Drivers
| City | Allstate | State Farm |
|---|---|---|
| Austin | $39 | $54 |
| Chicago | $116 | $56 |
| Philadelphia | $139 | $76 |
| Phoenix | $105 | $73 |
| Santa Monica | $120 | $83 |
For Drivers with Speeding Ticket
| City | Allstate | State Farm |
|---|---|---|
| Austin | $44 | $66 |
| Chicago | $175 | $60 |
| Philadelphia | $144 | $84 |
| Phoenix | $163 | $74 |
| Santa Monica | $341 | $187 |
For Drivers with No Speeding Ticket
| City | Allstate | State Farm |
|---|---|---|
| Austin | $38 | $50 |
| Chicago | $108 | $53 |
| Philadelphia | $133 | $73 |
| Phoenix | $107 | $67 |
| Santa Monica | $153 | $80 |
For Drivers Age Between 18-40
| City | Allstate | State Farm |
|---|---|---|
| Austin | $41 | $56 |
| Chicago | $130 | $55 |
| Philadelphia | $130 | $76 |
| Phoenix | $134 | $65 |
| Santa Monica | $290 | $132 |
For Drivers Age Between 40-65
| City | Allstate | State Farm |
|---|---|---|
| Austin | $37 | $50 |
| Chicago | $102 | $51 |
| Philadelphia | $121 | $69 |
| Phoenix | $94 | $68 |
| Santa Monica | $104 | $79 |
For Drivers Age of 65+
| City | Allstate | State Farm |
|---|---|---|
| Austin | $41 | $52 |
| Chicago | $146 | $62 |
| Philadelphia | $193 | $84 |
| Phoenix | $141 | $80 |
| Santa Monica | $101 | $55 |
For Drivers with Average Credit
| City | Allstate | State Farm |
|---|---|---|
| Austin | $41 | $60 |
| Chicago | $122 | $62 |
| Philadelphia | $149 | $84 |
| Phoenix | $114 | $80 |
| Santa Monica | $153 | $95 |
For Drivers with Fair Credit
| City | Allstate | State Farm |
|---|---|---|
| Austin | $38 | $58 |
| Chicago | $125 | $60 |
| Philadelphia | $154 | $81 |
| Phoenix | $117 | $90 |
| Santa Monica | $133 | $81 |
For Drivers with Good Credit
| City | Allstate | State Farm |
|---|---|---|
| Austin | $38 | $52 |
| Chicago | $107 | $53 |
| Philadelphia | $120 | $72 |
| Phoenix | $103 | $62 |
| Santa Monica | $129 | $89 |
For Drivers with Excellent Credit
| City | Allstate | State Farm |
|---|---|---|
| Austin | $41 | $42 |
| Chicago | $125 | $43 |
| Philadelphia | $114 | $59 |
| Phoenix | $134 | $39 |
| Santa Monica | $328 | $131 |
Quotes & Discounts
| Discount type | Allstate | State Farm |
|---|---|---|
| teenSMART | Up to 35% | Up to 15% |
| Accident Forgiveness | Up to 30% | -- |
| Defensive Driver | Up to 20% | Up to 5% |
| New Car | Up to 15% | Up to 40% |
| Anti-Theft Device | Up to 10% | Up to 15% |
| Anti-lock Brake | Up to 10% | Up to 20% |
| E-billing | Up to 10% | -- |
| EV/Hybrid | Up to 10% | -- |
| Early Quote | Up to 10% | -- |
| Farm Vehicle | Up to 10% | -- |
| Good Driver | Up to 10% | Up to 25% |
| Good Student | Up to 10% | Up to 25% |
| Low Mileage | Up to 10% | Up to 10% |
| Multiple Policy | Up to 10% | Up to 17% |
| Multiple Vehicle | Up to 10% | Up to 20% |
| Paid in full | Up to 10% | -- |
| Passive Restraint | Up to 10% | Up to 40% |
| Prepay | Up to 10% | -- |
| Preferred payment | Up to 5% | -- |
| Senior Adult | Up to 5% | Varies |
| Student Away at School | Up to 5% | Varies |
| Deductible | Varies | -- |
| Discount Finder | Varies | -- |
| Driving training | Varies | Varies |
| Family | Varies | -- |
| Paperless documents | Varies | -- |
| Utility Vehicle | Varies | -- |
| Accident Free | -- | Up to 15% |
| Claims Free Renewal | -- | Varies |
| Daytime Running Lights | -- | Varies |
| Driving Habits | -- | Up to 30% |
| Good Credit | -- | Up to 80% |
| Home Owner | -- | Varies |
| Loyalty | -- | Varies |
| Mature driver | -- | Varies |
| Military | -- | Varies |
| Travelink | -- | Varies |
Payment Methods
| Discount type | Allstate | State Farm |
|---|---|---|
| Automatic Online Payment ℹ |  | |
| Bank Payment/Direct Deposit | | |
| Credit Card Payment | | |
| Debit Card Payments | | |
| Electronic Check ℹ | | |
| In Person Payment ℹ | -- | |
| Mail Payment ℹ | | |
| Mobile App Payments ℹ | | |
| Online Payment ℹ | | |
| Pay Through Your Agent ℹ | -- | |
| Person 2 Person Payment | | |
| Phone Payment ℹ | | |
| Prepayment ℹ | | -- |
Features and Services
| Features and Services | Allstate | State Farm |
|---|---|---|
| 24/7 service | | |
| Accident forgiveness | | -- |
| Enhanced towing & substitute coverage | | |
| Flexible / convenient payments | -- | |
| Loyalty rewards program | | |
| Mobile app | | |
| Online account management | | |
| Policy bundling discounts | -- | |
| Roadside assistance | | |
Optional Coverages
| Optional Coverages | Allstate | State Farm |
|---|---|---|
| Accident Forgiveness ℹ | | -- |
| Accidental Death, Dismemberment, Disability ℹ | | |
| Antique or Collector Car Insurance ℹ | | |
| Emergency Assistance Coverage ℹ | -- | |
| Emergency Lockout Coverage ℹ | | |
| Glass Coverage | -- | |
| Loss of Use Coverage ℹ | | -- |
| Mechanical Breakdown Insurance ℹ | | |
| New Car Replacement Coverage ℹ | | -- |
| No Fault Coverage ℹ | | -- |
| Preferred Repair Services ℹ | | |
| Rental Reimbursement ℹ | | |
| Ridesharing Coverage ℹ | | |
| Roadside Assistance ℹ | | |
| Sound System Coverage ℹ | | -- |
| Umbrella Policy ℹ | | -- |
Insurance by State
Car Insurance
- Allstate
- State Farm
- Both
Uber and Lyft driver insurance
- Allstate
- State Farm
- Both
Compare Insurance Products
| Product | Allstate | State Farm |
|---|---|---|
 Personal Articles Insurance | -- | |
 ATV Insurance | | |
 Car Insurance | | |
 Boat Insurance | | |
 Business Insurance | | |
 Condo Insurance | | |
 Dwelling Fire Insurance | -- | |
 Disability Insurance | -- | |
 Farm Insurance | -- | |
 Flood Insurance | -- | |
 Golf Cart Insurance | -- | |
 Health Insurance | -- | |
 Home Insurance | | |
 Identity Theft Insurance | -- | |
 Life Insurance | | |
 Long-Term Care Insurance | -- | |
 Mobile Home Insurance | -- | |
 Motorcycle Insurance | | |
 Pet Insurance | | -- |
 Renters Insurance | | |
 Ridesharing Insurance | -- | |
 RV Insurance | | |
 Snowmobile insurance | | |
 Umbrella Insurance | -- | |
User Reviews
- Allstate Reviews
- State Farm Reviews
3.6
1,000 Reviews
5 Stars
39 %
4 Stars
20 %
3 Stars
15 %
2 Stars
10 %
1 Star
16 %
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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.