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Allstate vs. Farmers: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jul 13, 2021

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Key Takeaways

  • 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 those with a bad driving record
  • Farmers has more car insurance discounts ranging from 5% to 45% off

It’s nice to have choices in life, and there are so many car insurance companies to weigh in. Which company will provide the best and cheapest car insurance for you?

You likely understand the basics of car insurance now that you have landed here choose the car insurance company that will have your back when you need it: Allstate vs. Farmers car insurance.

Allstate vs. Farmers car insurance companies are both on the list of the best car insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength? Let’s compare affordable Allstate vs. Farmers car insurance rates.

Keep reading to compare affordable Allstate vs. Farmers car insurance quotes, or enter your ZIP code to start comparing multiple companies in your area.

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

You may be wondering, why is Farmers insurance so expensive for drivers with a DUI?

It’s a widely-known fact that your car insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUI. The riskier a driver you are, the more of a liability you are.

Allstate vs. Farmers Average Annual 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 much more forgiving than Allstate when it comes to having traffic violations on your driving record.

If you choose Allstate and you get a speeding ticket, cause an accident, or get a DUI, your car insurance rates will increase by 17% to 63%. Alternatively, with Farmers, your car insurance rates increase by only 8% to 25%.

If you currently have a bad driving history, Farmers is surely the better option.

Be sure to check out our car insurance by state page before judging Allstate and Farmers car insurance rates based on driving record alone.

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Does Allstate or Farmers have better car insurance discounts?

All of the top car insurance companies have their brand, and they tend to originate from the company’s history, values, and philosophies, and these qualities may result in the types of discounts they will offer.

This is why it’s to your benefit that you shop around. Let’s take a look at Allstate insurance discounts and Farmers car insurance discounts.

Allstate vs. Farmers Car Insurance Rates by Driving Record
DiscountsAllstate (%)Farmers (%)
Adaptive HeadlightsNoYes
Anti-lock Brakes10Yes
Claim Free35Yes
Continuous CoverageNoYes
Daytime Running Lights2Yes
Defensive Driver10Yes
Distant Student35Yes
Driver's Ed10No
Driving Device/App20Yes
Early Signing10Yes
Electronic Stability Control2No
Emergency DeploymentNoYes
Engaged CoupleNoYes
Family LegacyNoYes
Family PlanNoYes
Farm Vehicle10Yes
Federal EmployeeNoYes
Full Payment10No
Good CreditNoYes
Good Student20No
Green Vehicle105
Life InsuranceNoYes
Multiple Policies10No
Multiple VehiclesNoYes
New GraduateNoYes
Newer Vehicle30Yes
On Time Payments5No
Paperless Documents10Yes
Paperless/Auto Billing5No
Passive Restraint30No
Recent RetireesNoYes
Roadside AssistanceNoYes
Safe Driver45No
Senior Driver10No
Stable ResidenceNoYes
Switching ProviderNoYes
Utility Vehicle15No
Vehicle Recovery10No
VIN EtchingNoYes
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Allstate has 29 car insurance discounts, and Farmers has 34 discounts. Our source doesn’t provide the amount of each discount for Farmers, but you can use your Farmers or Allstate login to get more details.

With Allstate, you can save between 5% and 45% with their discounts.

Additionally, always ask for bundling discounts. Choosing between these two companies may come down to who has a better discount by bundling your car insurance policy with a Farmers or Allstate home insurance policy.

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

We list ratings for Allstate and Farmers from the top agencies that judge the credibility of all car insurance companies.

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 are 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.

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. Farmers 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 do well with keeping complaints per customer low. Customers with both companies are highly satisfied with the processes involving Allstate claims and Farmers claims.

Allstate has a better financial strength score. Farmers has a lower score than Allstate, though their score is still considered good.

Before you buy Allstate vs. Farmers car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.

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