Allstate vs. State Farm Car Insurance (2021)

Our Allstate vs. State Farm car insurance guide will help you decide between two great companies when looking at your unique situation. Your age, driving record, and credit score affect your car insurance quotes with both of these companies. For teen drivers, State Farm insurance is a better option than Allstate insurance. But when it comes to having a bad credit score, going with Allstate will cost you under half as much as State Farm. However, State Farm carries the highest possible financial strength score from A.M. Best, so you have a difficult decision to make, and we are here to help.

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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 State Farm have high customer satisfaction and low complaint ratios.
  • State Farm has the highest possible financial strength rating from A.M. Best and lower car insurance rates for teen drivers.
  • Allstate has more car insurance discounts ranging from 5 to 45 percent off.
  • State Farm has the highest discount of 50 percent off for using their safe driving app and lower car insurance rates for having a bad driving record.
  • Allstate has lower car insurance rates for drivers with poor credit and higher car insurance rates overall.

Allstate vs. State Farm car insurance? These two companies have been in the car insurance business since nearly the dawn of time. Both have solid market share and have maintained their positions for years. We are here to help answer the question, “Which one is best for you?”

Allstate and State Farm are definitely on the list of the 10 largest car insurance companies, but are they the best car insurance companies?

To determine that, we compare the two companies based on the following criteria: rates by age, rates by driving record, rates by credit score, discounts, mobile apps, consumer satisfaction, official consumer complaints, and financial strength.

Keep reading to compare Allstate insurance and State Farm insurance, or enter your ZIP code to start comparing affordable car insurance companies in your local area.

Is Allstate car insurance or State Farm car insurance cheaper based on age?

Basing rates on gender and marital status has been banned in some states and there are likely more to come. But what about age? The bottom line is that the more we practice something, the better we become at it; therefore, it is not discriminatory to base car insurance rates on age and/or years of driving experience.

Allstate vs. State Farm Annual Car Insurance Rates by Age, Gender, and Marital Status
Age Gender and Marital StatusAllstate Average Annual RatesState Farm Average Annual Rates
Single 17-year-old female$9,282$5,954
Single 17-year-old male$10,643$7,324
Single 25-year-old female$3,425$2,336
Single 25-year-old male$3,571$2,555
Married 35-year-old female$3,156$2,082
Married 35-year-old male$3,123$2,082
Married 60-year-old female$2,913$1,874
Married 60-year-old male$2,991$1,874
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For those 25 and older, State Farm car insurance rates are around 33 percent cheaper than Allstate car insurance rates.

If you have a teen driver, State Farm is definitely a good option. You can save up to 34 percent by insuring your younger, more inexperienced driver through State Farm rather than Allstate.

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Is Allstate car insurance or State Farm car insurance cheaper based on driving record?

The more reckless of a driver you are, the higher your car insurance rates become, especially if you get caught. Any infractions in the last few years will raise your Allstate and State Farm car insurance rates.

Allstate vs. State Farm Car Insurance Rates by Driving Record
Driving RecordAllstate Average Annual RatesState Farm Average Annual Rates
Clean Driving Record$3,820$2,821
With One Speeding Violation$4,484$3,186
With One Accident$4,988$3,396
With One DUI$6,261$3,637
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State Farm 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. State Farm car insurance rates increase by only 13 to 29 percent.

State Farm is the best choice if you have a less than stellar driving history.

Is Allstate car insurance or State Farm car insurance cheaper based on credit score?

Paying your bills on time and being otherwise financially responsible is evidenced by your credit score. Even though it takes only a year to screw up your credit and five years to build it back up, some states are making it illegal to base car insurance rates on credit score, and rightfully so.

Most insurance companies make the assumption that drivers with superior credit scores will be the safest on the roads.

Allstate vs. State Farm Annual Car Insurance Rates by Credit Score
Credit History SummaryAllstate Average Annual RatesState Farm Average Annual Rates
Good Credit (670-739)$3,860$2,174
Fair Credit Score (580-669)$4,581$2,853
Poor Credit Score (300-579)$6,491$4,951
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With that said, Allstate is more understanding than State Farm when it comes to having a low credit score. With State Farm, drivers with poor credit will pay more than double than drivers with good credit.

Allstate drivers with fair credit will pay only 13 percent more than drivers with good credit, and State Farm drivers that have fair credit will pay 31 percent more than drivers with good credit.

Allstate is a good choice if you have a credit score on the lower end.

Your age, driving record, and where you live are the most critical factors in setting your car insurance rate, and sometimes state laws determine how car insurance rates are calculated. Read your state car insurance guide before making a final decision between these two companies.

Does Allstate or State Farm have better car insurance discounts? 

Even just a 5 percent discount makes a big difference over time.

Discounts can often offset higher rates with State Farm because of your low credit score, or discounts could decrease your State Farm insurance for a young driver in your family.

Allstate vs. State Farm Car Insurance Discounts
DiscountsAllstate State Farm
Anti-lock Brakes105
Anti-Theft1015
Claim Free3515
Daytime Running Lights2N/A
Defensive Driver105
Distant Student35N/A
Driver's Ed1015
Driving Device/App2050
Early Signing10N/A
Electronic Stability Control2N/A
Farm Vehicle10N/A
Full Payment10N/A
Good Student2025
Green Vehicle10N/A
HomeownerN/A3
Low MileageN/A30
Multiple Policies1017
Multiple VehiclesN/A20
Newer Vehicle3040
On Time Payments5N/A
Paperless Documents10N/A
Paperless/Auto Billing5$2
Passive Restraint3040
Safe Driver4515
Senior Driver10N/A
Utility Vehicle15N/A
Vehicle Recovery105
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Allstate has 29 car insurance discounts, and State Farm has only 16 discounts; however, State Farm has the largest discount of 50 percent for using their driving device or usage-based app. The same discount is only 20 percent with Allstate. The largest discount Allstate has is 45 percent, and that is for being a safe driver.

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Does Allstate or State Farm have better car insurance mobile apps?

Allstate was one of the first car insurance companies to tap into the mobile device market and release a usage-based driving app.

Now all of the largest car insurance companies have some type of usage-based car insurance program whether it is a device installed into your car or if it uses your mobile phone. Their apps are also convenient in pulling up policy records, insurance verification, and even pay your bill.

Read about Allstate’s Drivewise and State Farm’s Drive Safe & Save usage-based car insurance apps in our Allstate company review and our State Farm company review.

How do Allstate and State Farm car insurance compare in financial strength and customer satisfaction?

The following agencies provide data and ratings concerning customer satisfaction, customer complaints, and financial stability. Reviewing all three may help you make your decision between Allstate or State Farm.

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 the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

Allstate vs State Farm Financial Strength and Credit Ratings
AgenciesAllstate RatingsState Farm Ratings
AM BestA+ (Excellent)A++ (Superior)
Consumer Reports8889
NAIC Complaint Ratio0.5 (total of 163 complaints)0.44 (total of 1482 complaints)
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Both Allstate and State Farm are highly competitive keeping complaints per customer low and customer satisfaction high, with State Farm being slightly better at managing complaints. Both Allstate and State Farm have high financial strength ratings. In fact, State Farm has the highest possible rating of A++ Superior.

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

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