Allstate Vs. State Farm: Comparing Car Insurance 2024 (2024)

Allstate and State Farm earned very similar ratings (3.4 stars and 3.5 stars, respectively) in our analysis. But neither earned high enough marks to be among our top picks for the best car insurance companies. You can likely find better options, and those picks will depend largely on your driving record.

Our analysis of auto insurance complaints against both companies, Allstate and State Farm were on par. Both are below the national average for complaint levels, which reflects good customer service.

In customer satisfaction studies by J.D. Power, State Farm outperforms Allstate. In the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, for example, State Farm was ranked No. 5 and scored 891 points out of 1,000 points, vs. Allstate at No. 8 and 882 points. The study measures customer satisfaction with the claims process.

State Farm also out-ranked Allstate in the J.D. Power’s 2024 U.S. Insurance Shopping Study. This study measures customer satisfaction with the insurance purchasing experience. State Farm ranks well at No. 4 with 695 points out of 1,000, but Allstate comes in at No. 12 with 664 points and below the industry average score.

If you’re choosing between Allstate and State Farm, your pick may ultimately come down to which one can offer you the better rates. State Farm has better rates than Allstate for most of the driver profiles we examined.

State Farm Is Better for Good Drivers

Our analysis found State Farm generally has much cheaper rates for good drivers—people without accidents or tickets on their records.

That said, Allstate and State Farm are both on the high end of costs among the companies in our analysis. Good drivers should get quotes from Nationwide and Travelers, which has far better rates for good drivers in our analysis. If you’re a veteran, in the military or in a military family, USAA likely has good rates for you.

State Farm Is Better If You Have a Speeding Ticket

State Farm will be your better bet if you have a speeding ticket on your record. Allstate averaged more than $1,000 higher per year in our analysis.

State Farm Is Better for Drivers Who Have Caused an Accident

If you have issues on your driving record, the cheapest car insurance company for you can be different from the cheapest insurers for good drivers. State Farm is better for drivers with an accident with an injury on their records. But neither Allstate nor State Farm will be the cheapest. Erie and Travelers are cheaper choices, based on the nationwide averages in our analysis. And USAA is usually a good choice if you qualify.

State Farm Is Better for Drivers with a DUI

Higher insurance rates will be an unavoidable consequence of a DUI, but State Farm generally offers far better rates than Allstate in these cases. Allstate averaged about $1,600 a year higher than State Farm in our analysis.

Allstate Is Better for Drivers with Poor Credit

State Farm is likely going to be extremely expensive for drivers with poor credit. In fact, in our analysis, State Farm rates were about 75% more expensive than Allstate for drivers with poor credit.

Geico and Nationwide offer far more competitive rates for drivers who have poor credit. USAA is better for military members, veterans and their families.

State Farm Is Better for Adding a Teen Driver

Adding a teen to a parent’s policy will always be an expensive endeavor, but you’ll find better rates from State Farm vs. Allstate. However, State Farm’s rates were not competitive compared to other insurers in our analysis.

You’d be better off comparing car insurance quotes from insurers such as Erie and Nationwide, which had the most competitive rates for teens in our analysis. Military members and veterans should check USAA’s rates.

State Farm Is Better for Senior Drivers

State Farm is better for senior drivers than Allstate because Allstate offers cheaper car insurance for seniors. But again, neither company is likely a great choice because there are far cheaper options for senior car insurance, such as Nationwide, USAA (if you qualify with a military connection), and Travelers.

Both Allstate and State Farm have a good number of discounts, and you’ll find common discounts like those or buying multiple policies (a bundling discount). But State Farm excels at discounts for students, such as price breaks for good students and students who are away at school

Allstate Auto Insurance Discounts

• Allstate eSmart (for going paperless)
• Anti-lock brakes
• Anti-theft device
• Early signing discount (for signing policy documents seven or more days before it becomes effective)
• EZ plan pay (for automatic payment plans)
• Full-pay (for paying the policy premium in full)
• Buying multiple policies (bundling)
• Responsible payer (if you haven’t received a cancellation notice within the past year)
• Safe driving club (for qualifying as a good driver)

State Farm Auto Insurance Discounts

• Accident-free (for causing no accidents three years in a row)
• Anti-theft device
• Buying multiple policies (bundling)
• Defensive driving course (for taking a defensive driving class)
• Driver training (for young drivers under age 21 on your policy who complete driver training)
• Good driving (for three years with no at-fault accidents or moving violations)
• Good student (for full-time high school or college students age 16 to 25 with good grades)
• Multi-vehicle (when you insure more than one car with State Farm)
• Safe vehicle (based on your car’s safety features)
• State Farm’s Steer Clear Program (drivers under 25 with no at-fault accidents or violations in the past three years can sign up for the State Farm Steer Clear app)
• Student away at school (if one of the drivers on your policy is a student under age 25 who moves away to go to school)

Discount availability can vary by state. Additional discounts may be available in your state.

All major insurers will offer essential coverage types such as liability, collision and comprehensive, and uninsured motorist coverage. But your choice of insurer might hinge on whether it sells a specialty coverage that you want.

When it comes to optional coverage types, Allstate has an edge over State Farm. It offers add-ons such as accident forgiveness and gap insurance that you won’t find from State Farm.

Collision Repair

Another factor we like to look at when comparing Allstate vs. State Farm is the grade that each has received for their claims handling processes for collision repair:

• Allstate: D+
• State Farm: C-

While both insurers have rather poor grades, State Farm’s is slightly higher. Grades come from the CRASH Network, which performs an annual survey of collision repair professionals.

Digital Functionality

If a robust digital experience is important to you, State Farm and Allstate are about even. In our analysis of mobile apps and website features, State Farm earned 4.6 stars compared to Allstate’s 4.2 stars. (Geico was the only insurer in our analysis to earn 5 stars.)

We used data from Quadrant Information Services to find average rates from each company. Rates are based on a 40-year-old female driver with a Toyota RAV4 and coverage of:

• $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
• Uninsured motorist coverage of 100/300.
• Collision and comprehensive insurance with a $500 deductible.