Allstate vs. Farmers Car Insurance (2021)

Our Allstate vs. Farmers car insurance guide will help you decide between two great companies when taking into consideration your unique factors such as age, driving record, and credit score. Farmers is better than Allstate for teen drivers and drivers with speeding tickets, accidents, and DUIs. Allstate has a stronger financial history and future. Continue reading to decide for yourself.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Feb 22, 2021

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The Highlights

  • Both Allstate and Farmers have high customer satisfaction and low complaint ratios.
  • Allstate has a stronger financial history and future.
  • Farmers has lower car insurance rates for teen drivers.
  • Allstate has more car insurance discounts ranging from 5 to 45 percent off.
  • Farmers has lower car insurance rates for having a bad driving record.
  • Allstate has higher car insurance rates overall.

Both Allstate insurance and Farmers insurance have a long history of managing car insurance policies for their consumers. But which one is better?

Allstate and Farmers are two of the best car insurance companies, but how do they compare when it comes to things that are most important to you: rates, discounts, consumer satisfaction and complaints, mobile apps, and financial strength?

Keep reading to compare Allstate auto insurance and Farmers auto insurance quotes, or enter your ZIP code to start comparing multiple companies in your local area.

Is Allstate car insurance or Farmers car insurance cheaper based on age?

The more experience driving we have, the better drivers we become, so it’s completely rational for car insurance companies to base rates on your age. In some states, it’s legal to base your car insurance rates on gender and/or marital status. Several states have questioned this practice and have proposed bills for discrimination.

Allstate vs. Farmers Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesFarmers Average Annual Rates
Single 17-year-old female$9,282.19$8,521.97
Single 17-year-old male$10,642.53$9,144.04
Single 25-year-old female$3,424.87$2,946.80
Single 25-year-old male$3,570.93$3,041.44
Married 35-year-old female$3,156.09$2,556.98
Married 35-year-old male$3,123.01$2,224.31
Married 60-year-old female$2,913.37$2,336.80
Married 60-year-old male$2,990.64$2,448.39
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For 25 and older, Farmers car insurance rates are an average of 19 percent cheaper than Allstate car insurance rates.

Farmers is definitely a good option if you have a young driver. You can save up to 14 percent by insuring your teen driver through Farmers rather than Allstate.

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Is Allstate car insurance or Farmers car insurance cheaper based on driving record?

Speeding tickets, accidents, DUIs, and other traffic violations will increase your Allstate and Farmers car insurance rates.

Allstate vs. Farmers Car Insurance Rates by Driving Record
Driving Record Allstate Average Annual RatesFarmers Average Annual Rates
Clean Driving Record$3,819.90$3,460.60
With One Speeding Violation$4,483.51$3,025.74
With One Accident$4,987.68$3,722.75
With One DUI$6,260.73$4,330.24
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Farmers is generally more forgiving than Allstate when it comes to having a poor driving record. Allstate car insurance rates increase by 17 to 63 percent when you get a speeding ticket, cause an accident, or get a DUI. Farmers car insurance rates increase by only 8 to 25 percent.

If you have a less than stellar driving history, Farmers is the best choice.

Is Allstate car insurance or Farmers car insurance cheaper based on credit score?

Your credit score is a good indication of your history paying your bills; but, your credit score is slow to increase or decrease whether you have an unfortunate situation or you are trying to build your credit.

More states are outlawing car insurance rates based on credit score as they are gender and marital status. Rates quoted by insurance companies assume those with superior credit scores are safer drivers.

Allstate vs. Farmers Annual Car Insurance Rates by Credit Score
Credit History SummaryAllstate Average Annual RatesFarmers Average Annual Rates
Good Credit (670-739)$3,859.66$3,677.12
Fair Credit Score (580-669)$4,581.16$3,899.41
Poor Credit Score (300-579)$6,490.65$4,864.14
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With that said, Farmers is more forgiving than Allstate when it comes to credit score. Drivers with fair or poor credit will pay 19 to 68 percent more with Allstate. Drivers with fair or poor credit will pay only 6 to 32 percent more with Farmers.

If you have a credit score on the lower end, Farmers is a better option.

Your age, where you live, and your driving record are the biggest factors in determining your car insurance rates, and sometimes that’s because of state laws. Be sure to check your state car insurance guide before judging Allstate and Farmers car insurance rates by credit score.

Does Allstate or Farmers have better car insurance discounts?

Everyone wants to save as much money as possible on car insurance rates, so the more discounts, the better, right? Not all car insurance companies are created equally, but a discount may be equitable given your specific situation such as having a DUI and also having a teen driver.

Allstate vs. Farmers Car Insurance Discounts
DiscountAllstate Discounts OfferedFarmers Discounts Offered
Adaptive Cruise ControlNoNo
Adaptive HeadlightsNoYes
Anti-lock BrakesYesYes
Anti-TheftYesYes
Claim FreeYesYes
Continuous CoverageYesYes
Daytime Running LightsYesYes
Defensive DriverYesYes
Distant StudentYesYes
Driver's EdYesYes
Driving Device/AppYesNo
Early SigningYesYes
Electronic Stability ControlYesYes
Emergency DeploymentNoNo
Engaged CoupleNoNo
Family LegacyNoNo
Family PlanNoYes
Farm VehicleYesYes
Fast 5NoNo
Federal EmployeeNoYes
Forward Collision WarningNoNo
Full PaymentYesYes
Further EducationNoNo
Garaging/StoringNoYes
Good CreditNoNo
Good StudentYesYes
Green VehicleYesYes
HomeownerNoYes
Lane Departure WarningNoNo
Life InsuranceYesNo
Low MileageYesYes
LoyaltyNoNo
MarriedNoNo
Membership/GroupNoNo
MilitaryYesYes
Military GaragingNoNo
Multiple DriversNoNo
Multiple PoliciesYesYes
Multiple VehiclesNoYes
New AddressNoNo
New Customer/New PlanNoNo
New GraduateNoNo
Newer VehicleYesYes
Newly LicensedNoNo
NewlywedsNoNo
Non-Smoker/Non-DrinkerNoNo
Occasional OperatorNoNo
OccupationYesYes
On Time PaymentsYesNo
Online ShopperNoNo
Paperless DocumentsYesYes
Paperless/Auto BillingYesYes
Passive RestraintYesYes
Recent RetireesNoNo
RenterNoNo
Roadside AssistanceNoNo
Safe DriverYesYes
Seat Belt UseNoNo
Senior DriverYesYes
Stable ResidenceNoNo
Students & AlumniNoNo
Switching ProviderNoYes
Utility VehicleYesYes
Vehicle RecoveryYesYes
VIN EtchingNoYes
VolunteerNoNo
Young DriverNoNo
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Allstate has 29 car insurance discounts, and Farmers has only 34 discounts.

Our data doesn’t provide the percent of each discount for Farmers; however, with Allstate, you can save between 5 and 45 percent with their discounts.

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Does Allstate or Farmers have better car insurance mobile apps?

Most all of the major car insurance companies have usage-based driving apps and ways to read your policy documents and pay your bill with your mobile phone.

Read about Allstate’s Drivewise and Farmers’ Signal usage-based car insurance apps in our Allstate company review and our Farmers company review.

How does Allstate and Farmers car insurance compare in financial strength and customer satisfaction?

A good way to evaluate a car insurance company is to take a 360-degree approach using consumer ratings, legal complaints, and financial history and future from the following three agencies:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.

And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on total number of customers against total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

Allstate vs Farmers Financial Strength and Credit Ratings
AgenciesAllstate RatingsFarmers Ratings
AM BestA+ (Excellent)B++ (Good)
Consumer Reports8889
NAIC Complaint Ratio0.5 (total of 163 complaints)0.59 (total of 7 complaints)
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Both Allstate and Farmers are highly competitive keeping complaints per customer lower and customer satisfaction; however, Allstate has a stronger financial record. Farmers has a weakening financial future, though their score is still considered good.

When you’re unsure which company to choose, you can always use our FREE comparison tool to compare Allstate vs. Farmers car insurance to other companies in your area.

2 thoughts on “Allstate vs. Farmers Car Insurance (2021)

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