Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 3, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key Takeaways

  • Both Allstate and Farmers base rates on many factors, including age and credit score.
  • Both companies received an A+ rating from the BBB.
  • Plenty of discounts are offered from Allstate and Farmers.

With so many car insurance companies, it can be hard to pick the right one. You have to consider rates, customer service, reviews, and much more. However, if you’ve found yourself comparing Allstate vs. Farmers car insurance, we can help take you the rest of the way.

Both Allstate Insurance and Farmers Insurance are reputable companies that have offices all over, but they also differ in many ways. We’ve provided plenty of information on rates, financial ratings, and more. Compare rates from several top companies by using our comparison tool.

Allstate vs. Farmers: Comparing Car Insurance Rates

When comparing two different auto insurance companies, most people look at rates first. Below, we’ve collected average rates from both companies based on different factors.

Which is cheapest by state?

Auto insurance rates can differ greatly based on the area in which you live. Keep in mind, rates can also vary between cities. Sometimes, the differences between cities is greater because they have different populations, traffic patterns, and more. See how Allstate vs. Farmers car insurance rates differ based on your state in the chart below.

Allstate vs. Farmers Average Annual Car Insurance Rates by State
StateAllstate Average Annual RatesFarmers Average Annual Rates
New Hampshire$2,725.01$1,615.02
New Jersey$5,713.58$2,754.94
New Mexico$4,200.65$4,315.53
New York$4,740.97$2,428.24
North Carolina$7,190.43$2,936.69
North Dakota$4,669.31$3,092.49
Rhode Island$4,959.45$5,602.63
South Carolina$3,903.43$3,178.01
South Dakota$4,723.72$3,768.80
West Virginia$3,820.68$2,120.80
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, in some states Farmers offers lower rates, while in others, Allstate does.

Which is cheapest by driving record?

Keeping your driving record clean is a great way to save on insurance rates no matter where you go. With the introduction of telematics programs, some insurers offer discounts on your auto insurance policy if you can demonstrate safe driving habits for 90 days while being tracked. For the most part, insurance companies still have to rely on your record of tickets, accidents, etc.

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 1 Speeding Violation$4,483.51$3,025.74
With 1 Accident$4,987.68$3,722.75
With 1 DUI$6,260.73$4,330.24
Get Your Rates Quote Now

Compare RatesStart Now →

Even one blemish on your driving record can cause a great increase in rates, no matter which company you go with.

Which is cheapest by age and gender?

Age is something most auto insurance companies factor into your rates, especially for teens just learning to drive. Even if you’re just choosing liability coverage, teens are much more expensive to insure. While some companies may still factor gender into your rates, it is illegal to do this in several states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.

Allstate vs. Farmers Average Annual Car Insurance Rates by Age, Gender, and Marital Status

Age, Gender, and Marital StatusAllstate Average Annual RatesFarmers Average Annual Rates
Married 60-year-old female$2,913.37$2,336.80
Married 60-year-old male$2,990.64$2,448.39
Married 35-year-old male$3,123.01$2,224.31
Married 35-year-old female$3,156.09$2,556.98
Single 25-year-old female$3,424.87$2,946.80
Single 25-year-old male$3,570.93$3,041.44
Single 17-year-old female$9,282.19$8,521.97
Single 17-year-old male$10,642.53$9,144.04
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, younger drivers pay higher rates from both companies. There are many reasons for this, as the III have explained.

Which is cheapest by credit score?

Keeping a good credit score is helpful for many reasons, including that it can help you save on auto insurance rates. Many insurance companies see you as a higher risk if you have a low credit score. If you’re concerned about your credit score, an insurance agent can help you get quotes from companies that may not penalize you as much.

Allstate vs. Farmers Car Average Annual Insurance Rates by Credit Score

Credit History SummaryAllstate Average Annual RatesFarmers Average Annual Rates
Good Credit (670-739)$3,859.66$3,677.12
Fair Credit Score (580-669)$4,581.16$3,899.41
Poor Credit Score (300-579)$6,490.65$4,864.14
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, a good credit score can help you save thousands of dollars in auto insurance rates.

Which is cheapest by coverage level?

If you buy more coverage, you can expect to pay more, as is shown in the chart below. Both Allstate and Farmers Insurance offer everything from the most basic state minimums to comprehensive coverage that prepares you for just about anything. If you own classic vehicles, you should look into classic car insurance policies or add-ons for custom parts. Not all policies from Allstate or Farmers have these coverages.

Allstate vs. Farmers Average Annual Car Insurance Rates by Coverage Level

Coverage Level SummaryAllstate Average Annual RatesFarmers Average Annual Rates
Low Coverage Level (Depends on State)$4,628.03$3,922.47
Medium Coverage Level (50/100/50)$4,896.81$4,166.22
High Coverage Level (100/300/100)$5,139.02$4,494.13
Get Your Rates Quote Now

Compare RatesStart Now →

If you get high coverage, you can expect to pay a few hundred dollars more from both companies.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Allstate vs. Farmers: Ratings and Customer Satisfaction

Read on to learn more about company ratings and what customers think.

What are their financial ratings?

While Allstate and Farmers are both reputable companies, it is important to be aware of their financial ratings.

Allstate vs. Farmers Financial Strength and Credit Ratings

AgenciesAllstate RatingsFarmers Ratings
AM BestA+ (Excellent)B++ (Good)
Better Business Bureau (Chicago, IL)A+A+
Moody'sA3 (Good)Baa2
S&PAA- (Very Good)A
Consumer Reports8889
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, both companies received high financial ratings.

How do customers rate them?

When comparing Allstate vs. Farmers car insurance, it is important to know how customers rate each company. However, you should still do your own research. That being said, both companies have relatively positive customer reviews. Both companies maintain a significant market share with loyal customers.

Allstate vs. Farmers: Car Insurance Coverage and Options

While a company might meet your standards when it comes to rates and reviews, it is more important to make sure they cover all your needs. Both companies offer a number of coverage options, including some form of liability car insurance coverage.

What are their coverage options?

Each company offers plenty of coverage options, some of which we’ve covered in the chart below.

Comparing Allstate vs. Farmers Car Insurance Coverages

Allstate Car Insurance CoveragesFarmers Car Insurance Coverages
Collision coverageBodily Injury Liability
Comprehensive coverageProperty Damage Liability
Bodily Injury LiabilityMedical Payments coverage
Property Damage LiabilityCollision coverage
Uninsured & Underinsured Motorist CoverageComprehensive coverage
Rental Reimbursement CoverageUninsured & Underinsured Motorist Coverage
Personal Umbrella PolicyPersonal Injury Protection
Personal Injury ProtectionGAP Coverage
Sound System InsuranceRental Car Coverage
Roadside AssistanceRoadside Assistance
Classic Car InsuranceAccident Forgiveness
Travel Car Insurance to Mexico-
Get Your Rates Quote Now

Compare RatesStart Now →

For a full list of each company’s coverage options, it is best to contact an agent.

What discounts do they offer?

Even if a company doesn’t offer the rate you were hoping for, there are plenty of ways you can save money. You might be familiar with things like accident forgiveness for drivers who start with a clean driving record. See some of the discounts offered by each company in the chart below.

Allstate Vs. Farmers Discounts Offered
Adaptive Headlightsx
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehiclexx
Vehicle Recoveryxx
VIN Etchingx
Newer Vehiclexx
Green Vehiclexx
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/Appx
Early Signingxx
Family Planx
Farm Vehiclexx
Federal Employeex
Full Paymentxx
Good Studentxx
Life Insurancex
Low Mileagexx
Multiple Policiesxx
Multiple Vehiclesx
On Time Paymentsx
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverxx
Switching Providerx
Get Your Rates Quote Now

Compare RatesStart Now →

Both companies offer plenty of discounts. Speak with an agent to see how much you can save.

Allstate vs. Farmers: Which company is the best?

The answer to this question greatly depends on your exact needs and wants. When comparing Allstate vs. Farmers car insurance quotes, you’ll notice their rates are relatively similar. Both companies have good reviews when it comes to customer service.

Allstate and Farmers also both offer apps and online services. You can use your Allstate or Farmers insurance login to pay bills, file claims, and speak with customer service.

Now that you have more information on Allstate vs. Farmers, hopefully, you will be able to make a more informed decision. Affordable Allstate vs. Farmers car insurance rates can be found. Easily compare rates from multiple top companies by using our comparison tool.


  1. https://www.iii.org/fact-statistic/facts-statistics-teen-drivers