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: Sep 21, 2020

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Key takeaways...

  • There are a number of ways to make a choice about what car insurance company to use but first you should learn about each company
  • Allstate is a publicly traded company and currently the largest one who provides personal insurance products
  • State Farm is the largest car insurance company in the US, a Fortune 500 company
  • Shop around and compare rates to make sure you are gettng the best rate for your coverage

Are you comparing car insurance companies and need to make a decision between Allstate and State Farm?

These 2 car insurance companies make up the largest market share for auto insurance policies nationwide so which company is better?

There are a number of ways to make a choice about what car insurance company to use but first you should learn about each company. Make sure you compare rates with our free quote tool above today!

Table of Contents

About Allstate

Allstate is a publicly traded company and currently the largest one who provides personal insurance products.

Backed by over $125 Billion in assets and 70,000 + employees Allstate has a tremendous local presence through employees and agencies who support Allstate car insurance policies and claims.

Allstate also offers a much wider product line of insurance products than State Farm meaning your eligibility to take advantage of multi-policy discounts may be greater with Allstate depending on what types of policies you have and what state the insured property is located.

Allstate has a sterling reputation for claims handling with many drive-thru claims offices located nationwide.

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About State Farm

https://www.youtube.com/watch?v=EejU7BmW5Mo

State Farm is the largest car insurance company in the US, a Fortune 500 company, #34, and maintains over 70 percent of their portfolio strictly to car insurance policies so an added bonus may be provided to State Farm for this single focus on auto insurance.

However, when it comes to premiums some consumers report State Farm car insurance rates and higher than competitive companies and some consumers even complain about State Farm dropping coverage without notice.

This is not a good way to do business as a driver could easily have their license suspended without knowledge in many states.

Both companies have embraced the use of technology to provide customers with online policy management tools, iPhone Apps and more.

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Industry Review of Allstate vs State Farm

On August 3, 2010, JD Power and Associates announced the 2010 National Auto Insurance Study and provided ratings to both Allstate and State Farm across a number of different areas.

All results out of a possible 5 stars:

– State Farm

  • Overall Satisfaction – 4 Stars
  • Contacting the Insurer – 4 Stars
  • Policy Offerings – 3 Stars
  • Billing and Payment – 4 Stars
  • Pricing – 3 Stars

– Allstate

  • Overall Satisfaction – 3 Stars
  • Contacting the Insurer – 3 Stars
  • Policy Offerings – 3 Stars
  • Billing and Payment – 3 Stars
  • Pricing – 2 Stars

It seems that State Farm certainly has won the JD Power car insurance survey as overall State farm was the number five provider and Allstate #18 but when you have car insurance companies this size its hard to compare based on surveys as so many factors exist.

What you can take from the results are both of these companies seem to have a solid enough reputation to pay future claims so choosing a provider should be based on items important to you such as:

  • Online Account Tools
  • 24 Hour Live Customer Service
  • Local Agents
  • Claims Process
  • Payment Options
  • Coverage Limits
  • Premiums
  • And more

Never forget to learn about car insurance discounts as these vary by provider and sometimes simply asking for the right discounts can save you $100’s in premiums.

Use our online tool to finish your car insurance comparison search and get FREE auto insurance quotes online!

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