Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jan 22, 2021

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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. 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
Alabama$3,311.52$2,866.60
Arkansas$5,150.03$3,484.63
Arizona$4,904.10$5,000.08
Alaska$3,145.31N/A
California$4,532.96$4,998.78
Colorado$5,537.17$5,290.24
Connecticut$5,831.60$3,073.66
Delaware$6,316.06$3,727.29
Florida$7,440.46$3,783.63
Georgia$4,210.70$2,977.20
Hawaii$2,173.49$4,763.82
Idaho$4,088.76$3,168.28
Illinois$5,204.41$4,605.20
Indiana$3,978.81$3,437.55
Iowa$2,965.86$2,435.72
Kansas$4,010.23$3,703.77
Kentucky$7,143.92$4,633.59
Louisiana$5,998.79$6,154.60
Maine$3,675.59$2,823.05
Maryland$5,233.17$3,832.63
Massachusetts$2,708.53$1,510.17
Michigan$22,902.59$8,503.60
Minnesota$4,532.01$3,137.45
Mississippi$4,942.11$4,087.21
Missouri$4,096.15$4,312.19
Montana$4,672.10$3,907.55
Nebraska$3,198.83$3,997.29
Nevada$5,371.62$5,595.56
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
Oklahoma$3,718.62$4,142.40
Ohio$3,197.22$3,423.01
Oregon$4,765.95$3,753.52
Pennsylvania$3,984.12$2,605.22
Rhode Island$4,959.45$5,602.63
South Carolina$3,903.43$3,178.01
South Dakota$4,723.72$3,768.80
Tennessee$4,828.85$3,283.42
Texas$5,485.44N/A
Utah$3,566.42$3,907.99
Vermont$3,190.38$2,195.71
Virginia$3,386.80$2,061.53
Washington$3,540.52$2,962.00
West Virginia$3,820.68$2,120.80
Wisconsin$4,854.41$3,777.49
Wyoming$4,373.93$3,069.35
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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.

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
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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. 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
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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.

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
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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.

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

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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
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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.

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-
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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. See some of the discounts offered by each company in the chart below.

Allstate Vs. Farmers Discounts Offered
DiscountsAllstateFarmers
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
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
Garaging/Storingx
Good Studentxx
Homeownerx
Life Insurancex
Low Mileagexx
Militaryxx
Multiple Policiesxx
Multiple Vehiclesx
Occupationxx
On Time Paymentsx
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverxx
Switching Providerx
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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.

References:

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