Allstate vs. Farmers: Best Car Insurance for 2021
When comparing Allstate vs. Farmers it's important to note that both are reputable companies with strong financial ratings. You will likely notice that Allstate Insurance and Farmers Insurance may offer similar rates, depending on where you live. Currently, Farmers offers more auto insurance discounts than Allstate.
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Written by
Jessica Sautter
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Reviewed by
Chris Harrigan
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UPDATED: Aug 3, 2021
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- 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.
Table of Contents
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.
| State | Allstate Average Annual Rates | Farmers 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 | $3,145.31 | N/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 | $5,485.44 | N/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 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 Rates | Farmers 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, 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 Status | Allstate Average Annual Rates | Farmers 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. 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 Summary | Allstate Average Annual Rates | Farmers 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. 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 Summary | Allstate Average Annual Rates | Farmers 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
| Agencies | Allstate Ratings | Farmers Ratings |
|---|---|---|
| AM Best | A+ (Excellent) | B++ (Good) |
| Better Business Bureau (Chicago, IL) | A+ | A+ |
| Moody's | A3 (Good) | Baa2 |
| S&P | AA- (Very Good) | A |
| Consumer Reports | 88 | 89 |
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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. 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 Coverages | Farmers Car Insurance Coverages |
|---|---|
| Collision coverage | Bodily Injury Liability |
| Comprehensive coverage | Property Damage Liability |
| Bodily Injury Liability | Medical Payments coverage |
| Property Damage Liability | Collision coverage |
| Uninsured & Underinsured Motorist Coverage | Comprehensive coverage |
| Rental Reimbursement Coverage | Uninsured & Underinsured Motorist Coverage |
| Personal Umbrella Policy | Personal Injury Protection |
| Personal Injury Protection | GAP Coverage |
| Sound System Insurance | Rental Car Coverage |
| Roadside Assistance | Roadside Assistance |
| Classic Car Insurance | Accident 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. 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.
| Discounts | Allstate | Farmers |
|---|---|---|
| Adaptive Headlights | x | |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | x | x |
| Utility Vehicle | x | x |
| Vehicle Recovery | x | x |
| VIN Etching | x | |
| Newer Vehicle | x | x |
| Green Vehicle | x | x |
| Claim Free | x | x |
| Continuous Coverage | x | x |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | x |
| Driving Device/App | x | |
| Early Signing | x | x |
| Family Plan | x | |
| Farm Vehicle | x | x |
| Federal Employee | x | |
| Full Payment | x | x |
| Garaging/Storing | x | |
| Good Student | x | x |
| Homeowner | x | |
| Life Insurance | x | |
| Low Mileage | x | x |
| Military | x | x |
| Multiple Policies | x | x |
| Multiple Vehicles | x | |
| Occupation | x | x |
| On Time Payments | x | |
| Paperless Documents | x | x |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Safe Driver | x | x |
| Senior Driver | x | x |
| Switching Provider | x | |
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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.
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