Allstate vs. State Farm: Pros & Cons (2021)
Allstate and State Farm are two of the best auto insurance companies, but which is better for you? It's time to compare rates, coverages, discounts, and third-party ratings to find out. State Farm has cheaper rates, but Allstate has a better mobile app experience. Compare Allstate vs. State Farm rates and pick the company that best works for you.
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UPDATED: Jul 18, 2021
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- Allstate and State Farm are set to provide non-standard auto insurance in 2021.
- State Farm has the largest market share in the auto insurance industry.
- State Farm is cheaper, but Allstate has more discounts.
You can rest easy now that you’ve found our Allstate vs. State Farm auto insurance review. Our guide explains the pros and cons of Allstate and State Farm, compares company rates, matches up financial strength ratings, and lists mobile app ratings.
If you want to compare Allstate vs. State Farm auto insurance quotes using your personal information, enter your ZIP code in the free comparison tool above.
For a clear and comprehensive guide to Allstate vs. State Farm auto insurance, continue reading.
Allstate vs. State Farm Auto Insurance: What Are the Pros and Cons?
This wouldn’t be a proper review without naming some of the advantages and disadvantages of Allstate and State Farm. Let’s examine some of the pros and cons of these car insurance giants.
|Allstate Pros||Allstate Cons||State Farm Pros||State Farm Cons|
|Lots of discounts that are easy to qualify for||Above average pricing in most states||Easy to file a claim||Cost is higher for customers with poor credit|
|Cutting edge programs like pay-per-mile and rideshare coverage||Not all programs are offered in all states||Cheap auto insurance rates||Has fewer discounts than most competitors|
|Local agent service plus easy web and mobile access||Online quoting will lead to agent solicitation by phone||Good financial strength ratings|
|Solid financial ratings||Consumer satisfaction ratings are below average||Excellent customer review ratings|
Allstate has an equal number of pros and cons according to our research. However, State Farm has more pros than cons.
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Allstate vs. State Farm Auto Insurance: Which Company Is the Cheapest?
When you’re shopping for car insurance, you may have targeted these companies because of their car insurance rates. We’ll go through each factor to see how car insurance rates are determined.
Before we move onto Allstate vs. State Farm auto insurance rates, let’s see the matchup between these two companies.
|Summary||Allstate Auto Insurance Stats||State Farm Auto Insurance Stats|
|Headquarters||3075 Sanders Road Northbrook, IL 60062||One State Farm Plaza Bloomington, IL 61710|
|Available in how many states?||All States||All States|
|Direct Premiums||$23.8 Billion||$41.1 Billion|
Both companies are on the top ten auto insurance list in the United States based on their market share, but State Farm is number one in the auto insurance industry.
Also, you can manage your policies using an Allstate login or State Farm login, respectively. If you access your State Farm or Allstate Insurance account online, you can use the same username and password for their respective mobile apps.
Which is cheapest by driving record?
Your driving record is one of the most important factors that determine car insurance. Where do Allstate and State Farm Insurance stand in regards to driving records? Let’s look at the rates below.
|Driving Record Summary||Allstate Monthly Auto Insurance Rates||State Farm Monthly Auto Insurance Rates|
|Clean Driving Record||$318||$235|
|With One Speeding Violation||$374||$266|
|With One Accident||$416||$283|
|With One DUI||$522||$303|
State Farm is the cheapest company overall when you base car insurance rates off driving record. Allstate Insurance’s cheapest rate is more expensive than State Farm’s DUI-based car insurance.
Which is cheapest by credit score?
Did you know auto insurance companies correlate your credit score to risk? In other words, car insurance companies will issue car insurance rates based on your credit.
Why? According to Experian, auto insurance companies believe policyholders with good credit are less likely to file a claim.
|Credit Score Summary||Allstate Monthly Auto Insurance Rates||State Farm Monthly Auto Insurance Rates|
|Good Credit (670-739)||$322||$181|
|Fair Credit Score (580-669)||$382||$238|
|Poor Credit Score (300-579)||$541||$413|
Both companies are tough on customers with poor credit as seen in the auto insurance rates. If you can keep your Allstate claims and State Farm claims to a minimum while you’re insured, you can secure cheap auto insurance.
Which is cheapest by age and gender?
Age is a significant factor when determining auto insurance, but gender is becoming less essential as time goes on. A few states have even outlawed gender-based auto insurance.
Why age? Your age is an indicator that explains your driving experience. So what does auto insurance look like based on age? Let’s review Allstate and State Farm’s car insurance rates below.
|Age, Gender, and Marital Status||Allstate Monthly Auto Insurance Rates||State Farm Monthly Auto Insurance Rates|
|Single 17-year-old female||$774||$496|
|Single 17-year-old male||$887||$610|
|Single 25-year-old female||$285||$195|
|Single 25-year-old male||$298||$213|
|Married 35-year-old female||$263||$173|
|Married 35-year-old male||$260||$173|
|Married 60-year-old female||$243||$156|
|Married 60-year-old male||$249||$156|
The cheapest car insurance rates go to State Farm policyholders who are 60-year-old, married drivers.
Teen drivers are connected to expensive auto insurance because they have a higher rate of being involved in fatal crashes. According to the Centers for Disease Control (CDC), fatal car accidents are the leading cause of death among U.S. teens.
Which is cheapest by coverage level?
Your coverage level is based on the coverage limits you need. The lowest coverage level is your state minimum car insurance requirements.
However, medium and high coverage levels are higher limits you could use if an accident exceeds the minimum coverage limits.
What are Allstate and State Farm auto insurance rates based on coverage level? Here are the rates we found.
|Coverage Level Summary||Allstate Monthly Auto Insurance Rates||State Farm Monthly Auto Insurance Rates|
|Low Coverage Level (Depends on State)||$386||$255|
|Medium Coverage Level (50/100/50)||$408||$272|
|High Coverage Level (100/300/100)||$428||$288|
State Farm continues as the cheaper auto insurance company – even State Farm’s highest coverage level rate is cheaper than Allstate’s lowest coverage level rate.
Which is cheapest by commute mileage?
Commute mileage, sometimes called annual mileage, determines your auto insurance rate based on the miles you’re estimated to travel during the policy. If you want to drive more, you’ll pay more.
However, some companies don’t issue higher rates. Let’s look at Allstate and State Farm to see if rates increase based on commute mileage.
|Estimated Commute Mileage||Allstate Monthly Auto Insurance Rates||State Farm Monthly Auto Insurance Rates|
|10 Miles Commute (6,000 miles/yr)||$403||$265|
|25 Miles Commute (12,000 miles/yr)||$411||$279|
Although State Farm is cheaper, auto insurance rates based on commute mileage increase more than with Allstate. However, Allstate auto insurance continues as the more expensive company.
Allstate vs. State Farm Auto Insurance Coverages
Now that you know how much you can pay for Allstate and State Farm, it’s time to explore what coverages are provided by both companies.
|Allstate Auto Insurance Coverages||State Farm Auto Insurance Coverages|
|Collision coverage||Collision Coverage|
|Comprehensive coverage||Comprehensive Coverage|
|Bodily Injury Liability||Liability Coverage|
|Property Damage Liability||Car Rental and Travel Expenses Coverage|
|Uninsured & Underinsured Motorist Coverage||Uninsured Motorist Coverage|
|Rental Reimbursement Coverage||Underinsured Motorist Coverage|
|Personal Umbrella Policy||Medical Payments Coverage|
|Personal Injury Protection||Emergency Roadside Assistance|
|Sound System Insurance||Rideshare Driver Coverage|
|Classic Auto Insurance|
|Travel Auto Insurance to Mexico|
When it comes to coverages, Allstate has State Farm beat. Allstate has more coverage policies including classic car insurance and sound system coverage. To read more about Allstate coverages, check out our Allstate auto insurance review for more details.
Allstate vs. State Farm Auto Insurance: Who Has More Discounts?
Discounts are the tread and rubber that can get you rolling toward cheap auto insurance. If you’re eligible for more than one discount, expensive rates will deflate under the weight of lower prices. Let’s see how Allstate and State Farm discounts stack up.
|Auto Insurance Discount Name||Allstate Discount Values||State Farm Discount Values|
|Anti-lock Brake Discount||10%||20%|
|Anti-Theft Device Discount||10%||15%|
|Claims Free Renewal Discount||N/A||Varies|
|Daytime Running Lights Discount||N/A||Varies|
|Defensive Driver Discount||20%||5%|
|Driving Habits Discount||N/A||30%|
|Driving training discount||Varies||Varies|
|Early Quote Discount||10%||N/A|
|Farm Vehicle Discount||10%||N/A|
|Good Credit Discount||N/A||80%|
|Good Driver Discount||10%||25%|
|Good Payer Discount||5%||N/A|
|Good Student Discount||10%||25%|
|Home Owner Discount||N/A||Varies|
|Low Mileage Discount||10%||10%|
|Mature driver discount||N/A||Varies|
|Multiple Policy Discount||10%||17%|
|Multiple Vehicle Discount||10%||20%|
|New Car Discount||15%||40%|
|Paid in full discount||10%||N/A|
|Paperless documents discount||Varies||N/A|
|Passive Restraint Discount||10%||40%|
|Preferred payment discount||5%||N/A|
|Senior Adult Discount||5%||Varies|
|Student Away at School Discount||5%||Varies|
|Utility Vehicle Discount||Varies||N/A|
Allstate has 27 discounts, but State Farm has 18 discounts. If you happen to qualify for all these discounts, you can save a lot of money per year. Even Allstate’s expensive car insurance rates can be brought down.
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Allstate vs. State Farm Auto Insurance: Financial Strength and Credit Ratings
Financial and credit ratings are important because they describe how well companies manage money and how well companies respond to customers. AM Best, Moody’s, and S&P focus more on the financial strength and credit ratings.
The Better Business Bureau, NAIC Complaint Index, J. D. Power, and Consumer Reports narrow down customer reviews. Let’s see where Allstate and State Farm car insurance stand.
|Agencies||Allstate Ratings||State Farm Ratings|
|AM Best||A+ (Excellent)||A++ (Superior)|
|Better Business Bureau (BBB)||A+||A+|
|Moody's||A3 (Good)||Aa1 (Excellent)|
|S&P||AA- (Very Good)||AA (Excellent)|
|NAIC Complaint Index||0.41||0.98|
|J.D. Power - Power Circle Ratings||About Average||Better Than Most|
Overall, State Farm ratings are better. Each State Farm rating is near perfect. However, Allstate car insurance has a better NAIC Complaint Index – which indicates that Allstate received fewer complaints.
Allstate vs. State Farm Auto Insurance: Mobile App Ratings
Smartphones have become essential to our daily lives. Therefore, the mobile app experience is just as important as desktop websites. Let’s examine Allstate and State Farm mobile app reviews below.
|Smart Device Stores/Systems||Allstate Mobile App Star Ratings||State Farm Mobile App Star Ratings|
|Apple App Store (iOS)||5 stars||3 stars|
|Google Play Store (Android)||4 stars||4 stars|
Under Google Play Store, Allstate and State Farm have the same rating. However, customers say Allstate has a better user experience under Apple App Store.
Allstate vs. State Farm Auto Insurance: The Bottom Line
Understanding auto insurance isn’t as hard as it appears. As you shop for car insurance, take advantage of comparison shopping. Size up the average monthly rates and see how discounts can work for you.
Even Allstate’s higher than average rates can be brought down to meet your budget needs. However, State Farm’s auto insurance rates make it a tougher competitor for other auto insurance companies.
Enter your ZIP code in our free online quote tool below to compare Allstate vs. State Farm auto insurance quotes. A quote based on your personal situation may bring rates down much less than the projected prices you saw in the article.