Allstate vs. State Farm: Which Car Insurance Is Cheaper?
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UPDATED: May 20, 2021
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- 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% off
- State Farm has the highest discount at 50% off for using the safe driving app. It also has lower car insurance rates for those with infractions on their driving record
- Allstate has lower car insurance rates for drivers with poor credit but higher car insurance rates overall
Trying to choose whether to buy Allstate vs. State Farm car insurance? These two companies have been in the car insurance business for nearly a century.
We also compare available discounts and ratings from agencies with a credible and trustworthy view of Allstate vs. State Farm car insurance companies. Which company will provide the best and cheapest car insurance for you?
We compare the two companies based on 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 affordable Allstate vs. State Farm car insurance quotes, or enter your ZIP code to compare multiple companies in your 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 more will likely make the change in the future. But what about age?
The bottom line is that the more we practice something, the better we become at it. Therefore, it is not deemed discriminatory to base car insurance rates on age and/or years of driving experience.
|Age Gender and Marital Status||Allstate Average Annual Rates||State 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|
For those 25 and older, State Farm car insurance rates are around 33% 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% by insuring your younger, more inexperienced driver through State Farm compared to Allstate.
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.
|Driving Record||Allstate Average Annual Rates||State 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|
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% when you get a speeding ticket, cause an accident, or get a DUI. State Farm car insurance rates increase by only 13% to 29%.
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 will help you keep a good credit score.
It takes only a year to mess up your credit and five years to build it back up, so some states are making it illegal to base car insurance rates on your credit score.
Most insurance companies make the assumption that drivers with superior credit scores will be the safest on the roads.
|Credit History Summary||Allstate Average Annual Rates||State 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|
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 what drivers with good credit pay.
Allstate drivers with fair credit will pay only 13% more than drivers with good credit, and State Farm drivers that have fair credit will pay 31% 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.
You may live in a state, such as California, where basing car insurance on credit score is illegal. Be sure to check out our car insurance by state page before judging Allstate vs. State Farm car insurance rates based on credit score alone.
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Does Allstate or State Farm have better car insurance discounts?
Even just a 5% discount makes a big difference over time.
Discounts can often offset higher rates with State Farm if you have a low credit score or a teen driver on your policy.
|Daytime Running Lights||2||N/A|
|Electronic Stability Control||2||N/A|
|On Time Payments||5||N/A|
Allstate has 29 car insurance discounts, and State Farm has only 16 discounts; however, State Farm has the largest discount of 50% for using its driving device or usage-based app.
The same discount is only 20% with Allstate. The largest discount Allstate has is 45%, and that is for being a safe driver.
Be sure to ask about policy bundling options. Compare Allstate vs. State Farm homeowners insurance or Allstate vs. State Farm life insurance and see if one of these policies might suit your needs.
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’s a device installed into your car or an app on your smartphone.
Apps are also a convenient way to pull up policy records, insurance verification, and even pay your bill.
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 its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.
|Agencies||Allstate Ratings||State Farm Ratings|
|AM Best||A+ (Excellent)||A++ (Superior)|
|NAIC Complaint Ratio||0.5 (total of 163 complaints)||0.44 (total of 1482 complaints)|
Both Allstate and State Farm are highly competitive with 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++.
Before you buy Allstate vs. State Farm car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.
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