Allstate vs. Farmers: Pros & Cons (2021)

A comparison of Allstate vs. Farmers car insurance quotes finds similar rates, although Farmers is generally cheaper. Allstate and Farmers both calculate auto insurance rates based on many factors, including your age, credit score, and driving record. Both Allstate and Farmers auto insurance discounts are numerous. The Allstate rating from A.M. Best edges out Farmers with an A+ compared to an A.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Allstate and Farmers offer similar rates in most states.
  • Both companies offer plenty of discount options, including a vehicle recovery discount and anti-theft discount.
  • Customer ratings for both Allstate and Farmers are mixed-to-high. 

Comparing Allstate vs. Farmers auto insurance can help you to choose from the best auto insurance companies out there. Both companies are reputable and use a similar set of factors when it comes to determining rates, and they’re among the top companies in the country.

As you will see in the sections below, Allstate and Farmers car insurance rates are similar, and both received high ratings from top financial rating companies. Do some comparing of your own with the information below to help determine the right company for you. 

Even if you are focused on comparing Allstate vs. Farmers auto insurance rates, it is also important to compare rates from other top companies. Enter your ZIP code into our comparison tool today.

Allstate vs. Farmers: Comparing Auto Insurance Rates

If you don’t want to spend hours comparing rates from both Allstate and Farmers, check out the sections below, where we’ve provided all the information you need in an easy-to-read format.

Which is cheapest by state?

The state in which you live is a huge factor in determining your car insurance rates, as is shown in the chart below.

Allstate vs. Farmers Average Annual Auto Insurance Rates by State
StateAllstate Average Annual RatesFarmers Average Annual Rates
Alaska$3,145.31Data Not Available
Connecticut$5,831.60Data Not Available
District of Columbia$6,468.92Data Not Available
Delaware$6,316.06Data Not Available
Florida$7,440.46Data Not Available
Georgia$4,210.70Data Not Available
Kentucky$7,143.92Data Not Available
Louisiana$5,998.79Data Not Available
Maryland$5,233.17Data Not Available
Massachusetts$2,708.53Data Not Available
Mississippi$4,942.11Data Not Available
North Carolina$7,190.43Data Not Available
North Dakota$4,669.31$3,092.49
New Hampshire$2,725.01Data Not Available
New Jersey$5,713.58$7,617.00
New Mexico$4,200.65$4,315.53
New York$4,740.97Data Not Available
Pennsylvania$3,984.12Data Not Available
Rhode Island$4,959.45Data Not Available
South Carolina$3,903.43$4,691.85
South Dakota$4,723.72$3,768.80
Texas$5,485.44Data Not Available
Virginia$3,386.80Data Not Available
Vermont$3,190.38Data Not Available
West Virginia$3,820.68Data Not Available
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While data isn’t available for Farmers in certain states, you can see that they offer similar rates to Allstate in most states. Be sure to visit the NAIC website for information on auto insurance laws in your state.

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Which is cheapest by driving record?

Your driving record is another factor most auto insurance companies will take into account when determining your rates.

Allstate vs. Farmers Average Annual Auto Insurance Rates by Driving Record
Driving RecordAllstate Average Annual RatesFarmers Average Annual Rates
Clean Record$3,819.90$3,460.60
With One Accident$4,987.68$4,518.73
With One DUI$6,260.73$4,718.75
With One Speeding Violation$4,483.51$4,079.01
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Having a clean driving record means that will you will save plenty of money, regardless of which insurance company you go with.

Which is cheapest by age and gender?

If you are a new driver then, most likely, your rates will be more expensive. That being said, your rates will drop eventually, as is shown in the chart below.

Allstate vs. Farmers Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesFarmers Average Annual Rates
Married 35-year old female $3156.09 $2,556.98
Married 35-year old male $3123.01 $2,557.75
Married 60-year old female $2913.37 $2,336.80
Married 60-year old male $2990.64 $2,448.39
Single 17-year old female $9282.19 $8,521.97
Single 17-year old male $10642.53 $9,144.04
Single 25-year old female $3424.87 $2,946.80
Single 25-year old male $3570.93 $3,041.44
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Age is still used as a main factor when determining auto insurance rates, though it is against the law to factor in gender in several states.

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Allstate vs. Farmers: Ratings and Customer Satisfaction

What are their financial ratings?

See how well Allstate and Farmers did with top financial rating companies in the chart below.

Allstate vs. Farmers Financial Ratings
Ratings WebsiteAllstate RatingsFarmers Ratings
AM BestA+ (Superior)A (Excellent)
Better Business BureauA+A+
Consumer Reports88N/A
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As you can see, both companies received high marks, which means they both have great financial footing.

How do customers rate them?

Farmers and Allstate Insurance both have mixed to high ratings from their customers. It’s worth noting that Allstate offers 24/7 customer service, while Farmers is only available from Mon-Fri: 7:00 am to 11:00 pm CST and Sat-Sun: 8:00 am to 8:00 pm CST.

Both companies offer convenient online customer service options, through which you can message an agent and pay bills at any time of the day.

Just create an Allstate or Farmers Insurance account on either of their respective sites. Your Allstate Insurance login will allow you to make Allstate claims and check your policy.

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Allstate vs. Farmers: Auto Insurance Coverage and Options

What are their coverage options?

As you will see in the chart below, Allstate and Farmers offer similar car insurance coverage options.

Allstate vs. Farmers Types of Coverage
Types of CoverageAllstate CoveragesFarmers Coverages
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical paymentsxx
Roadside assistancexx
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The chart above, however, doesn’t feature all the additional coverage options offered by each company, which can be found out by speaking with a local agent.

What discounts do they offer?

While both companies offer lower rates than other auto insurance companies, it is good to save as much money as possible. See what discounts you might qualify for in the chart below.

Allstate vs. Farmers Auto Insurance Discounts
DiscountsAllstate Discounts OfferedFarmers Discounts Offered
Adaptive Headlightsx
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehiclexx
Vehicle Recoveryxx
VIN Etchingxx
Newer Vehiclexx
Green Vehiclexx
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appx
Early Signingxx
Family Legacyx
Family Planxx
Farm Vehiclex
Federal Employeex
Full Paymentxx
Good Studentxx
Low Mileagexx
Multiple Policiesxx
Multiple Vehiclesx
On Time Paymentsx
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverxx
Switching Providerx
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When looking for cheap Allstate vs. Farmers auto insurance quotes, it’s important to ask each company about their discounts and see what you might qualify for.

Allstate vs. Farmers: Which Company Is Best?

Allstate and Farmers are both highly-reputable companies that offer plenty of resources, no matter what your auto insurance needs are. When looking to buy Allstate or Farmers car insurance, it is important to know that both companies determine rates based on many factors.

While Farmers might offer lower rates for those with a bad credit score, Allstate usually offers lower rates for young drivers.

The right car insurance company for you is dependent on your exact needs. For even more information on both companies, check out our Allstate auto insurance review and Farmers auto insurance review.

Finding affordable Allstate and Farmers auto insurance can be easy, but it is a good idea to compare rates from other companies as well. Easily compare rates by using our comparison tool today.

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