Allstate vs. Farmers: Best Auto Insurance for 2024
Today we're going to compare Allstate vs. Farmers auto insurance. Farmers tends to offer cheap prices. Both Allstate and Farmers are well-reviewed by companies like A.M. Best and the Better Business Bureau, but whereas Allstate is not BBB accredited, Farmers is. Both companies offer many discounts, but Farmers offers more than Allstate.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- Farmers insurance offers more competitive pricing than Allstate
- Farmers offers a wider array of discounts than Allstate
- Farmers and Allstate are both well-reviewed companies, but Farmers has the edge
If you’re here with us today, you are most likely looking for your next insurer. It’s a complicated process, so we’re going to focus on just Allstate vs. Farmers. If you’d like to learn more about Allstate, be sure to read our Allstate review.
Before learning more about Allstate vs. Farmers, type your ZIP code into our free tool above to find affordable auto insurance quotes in your area. Be informed before you buy auto insurance.
Allstate vs. Farmers: Which is cheaper?
When comparing insurers, it’s best to start with what is most important: price. Who has the best auto insurance rates?
Let’s take a look at a table that will show the average annual auto insurance premiums not just for Allstate and Farmers, but for all of the main insurance companies.
Imported from Manual Input
Insurance Company | Average Annual Rates |
---|---|
$2,539.87 | |
$3,213.97 | |
$3,269.80 | |
$3,544.37 | |
$3,449.80 | |
$4,018.46 | |
$4,166.22 | |
$4,462.02 | |
$4,896.81 | |
$6,058.57 |
Read more: Allstate vs. State Farm: Best Auto Insurance
As you can see, of the 10 insurers shown, Allstate is cheaper than only one competitor: Liberty Mutual. Farmers, however, is cheaper than three: Travelers, Allstate, and Liberty Mutual.
So, Farmers wins in terms of pricing. Let’s see how these companies do in terms of discounts. Furthermore, if you’d like to learn more about Farmers, read our Farmers review.
Read more:
- Farmers vs. Liberty Mutual: Best Auto Insurance
- Farmers vs. Progressive: Best Auto Insurance
- Farmers vs. USAA: Best Auto Insurance
- Farmers vs. GEICO: Best Auto Insurance
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Allstate vs. Farmers: Which offers better discounts?
Understanding the significance of discounts is crucial. By accumulating relevant discounts, you can significantly reduce your premiums. Let’s examine a table that highlights a variety of discounts offered by major insurers, including Farmers insurance rates, Allstate auto insurance discounts, and Allstate auto insurance quotes
Auto Insurance Discounts Available by Company
Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
---|---|---|---|---|---|---|---|---|---|---|
Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
As you can see, of the 67 discounts shown, Farmers offers 35. Allstate Insurance offers 29 discounts. There are a great many discounts to take advantage of, provided they’re applicable to your circumstances.
Discounts are available for various factors, including timely bill payments and having safety features in your car. With non-owner car insurance from Allstate, you can explore savings options. Additionally, comparing Farmers insurance prices and obtaining Allstate car insurance quotes can help you find the best discounts for your situation.
What’s advantageous is that many of these discounts are quite straightforward, such as simply entering your Allstate insurance login on the app. Next, let’s compare the ratings of different auto insurance companies, including those offering Texas Farm Bureau insurance discounts and reviewing Allstate auto insurance estimates.
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Allstate vs. Farmers: Which has better ratings?
When comparing insurers, be sure to look at the ratings given to them by companies such as A.M. Best and the Better Business Bureau.
A.M. Best has a rating that ranges from A++ all the way down to a rating of D. Allstate currently has a rating of A+ (Superior). Farmers, however, has a lower rating of A (Excellent). With that being said, Farmers’ rating has been placed under review by A.M. Best.
Allstate currently has a rating of A+ from the Better Business Bureau, but it is not accredited. Farmers also has a rating of A+ but, unlike Allstate, it is accredited. So, in short, Farmers also wins in terms of company ratings.
All in all, it looks like Farmers is the winner when comparing these two companies. But don’t stop at this comparison. If you find that Allstate is better for you, read more about how you can cancel your auto insurance policy with Farmers if it’s your current provider.
Now that you know more about Allstate vs. Farmers insurance, type your ZIP code into our free tool below to find affordable auto insurance quotes in your area. This is certainly easier than, say, inquiring through the Allstate claims department.
Frequently Asked Questions
How do I add a vehicle on the Allstate app?
To add a vehicle on the Allstate app, open the app and log in to your account. Navigate to the “My Vehicles” section, select “Add Vehicle,” and enter the required information about your vehicle, such as make, model, and VIN. Follow the prompts to complete the process.
Is USAA cheaper than Allstate?
USAA is generally cheaper than Allstate for eligible members, such as active and retired military personnel and their families. USAA often provides lower rates due to its focus on serving military families and its operational efficiencies. However, rates can vary based on location, driving history, and other factors, so it’s best to compare quotes from both companies.
Is Allstate better than Geico?
Allstate and Geico have their own strengths. Allstate is known for its comprehensive coverage options and a wide range of discounts, while Geico is often praised for its competitive pricing and user-friendly online tools. Your choice may depend on whether you prioritize cost, coverage options, or customer service.
Is Allstate cheaper than State Farm?
Allstate and State Farm offer competitive rates, but which is cheaper can vary by individual circumstances. Allstate might be more affordable for some customers due to its variety of discounts, while State Farm could offer better rates based on its extensive network of agents and local expertise. Comparing quotes from both insurers is the best way to determine which is cheaper for you.
Is Allstate a good auto insurance company?
Allstate is considered a good auto insurance company due to its wide range of coverage options, extensive network of agents, and various discount opportunities. It has strong financial ratings and offers comprehensive services, though its customer satisfaction may vary based on individual experiences.
Is Farmers Insurance better than Allstate?
Farmers Insurance and Allstate both offer strong auto insurance options, but Farmers is often noted for its variety of discounts and competitive pricing. If you value discounts and personalized service, Farmers might be a better choice. However, Allstate provides robust coverage options and extensive customer support. Comparing both can help you find the best fit for your needs.
Is Farmers Insurance cheaper than State Farm?
Farmers Insurance often provides competitive rates, but whether it is cheaper than State Farm can vary depending on your location, driving history, and coverage needs. Both insurers offer various discounts, so it’s a good idea to compare quotes from Farmers and State Farm to determine which is more affordable for you.
Is Progressive cheaper than Allstate?
Progressive is frequently recognized for its competitive pricing and various discount options, which can make it cheaper than Allstate for some customers. However, rates depend on factors such as your location, driving history, and the coverage you need. Comparing quotes from Progressive and Allstate can help you find the best rate for your situation.
Allstate vs 21st Century: Which is better?
When comparing Allstate and 21st Century, Allstate is often considered better due to its extensive range of coverage options, robust customer service, and various discount opportunities. 21st Century may offer competitive pricing but generally lacks the broad network and comprehensive services that Allstate provides.
21st Century vs Farmers: Which offers better coverage?
Farmers generally offers better coverage compared to 21st Century. Farmers provides a wide range of coverage options, including additional endorsements and customizable policies, whereas 21st Century may have more limited coverage choices.
Allstate vs American Family: Which insurance provider is superior?
Allstate and American Family are both strong insurance providers, but Allstate is often favored for its extensive network of agents and diverse coverage options. American Family may offer competitive pricing and strong customer service, making it a solid choice as well. Your best option may depend on your specific insurance needs and preferences.
Allstate vs Erie: Which has better rates?
Erie Insurance often provides more competitive rates compared to Allstate, especially for those who qualify for multiple discounts. Allstate’s rates can be higher, but it offers a wide range of coverage options and additional services. Comparing quotes from both can help determine which offers better rates for your situation.
Allstate vs AAA: Which provides better roadside assistance?
AAA is widely recognized for its superior roadside assistance services compared to Allstate. AAA offers extensive roadside support, including towing, battery jump-starts, and lockout services, with a strong reputation for reliability. Allstate also provides roadside assistance, but AAA is generally considered the industry leader in this area.
What are the details of Allstate in Franklin, VA?
In Franklin, VA, Allstate offers a range of auto, home, and other insurance products through local agents. Specific details about coverage options, discounts, and rates can be obtained by contacting an Allstate agent in Franklin directly or visiting the Allstate website for more information.
What is the price of Allstate insurance in Utah?
The price of Allstate insurance in Utah varies based on factors such as coverage levels, vehicle type, and personal driving history. To get an accurate quote for Allstate insurance in Utah, it’s best to request a personalized quote through the Allstate website or contact a local Allstate agent.
How does Allstate’s roadside assistance compare to AAA’s?
AAA is generally considered to have superior roadside assistance compared to Allstate. AAA offers extensive services, including emergency towing, battery jump-starts, and lockout assistance, with a well-established reputation. Allstate’s roadside assistance is competitive but may not match the breadth of AAA’s services.
State Farm vs Farmers: Which is better for homeowners insurance?
Farmers and State Farm both offer strong homeowners insurance options. Farmers often provides more customizable coverage and a variety of discounts. State Farm is known for its comprehensive coverage and reliable service. Your choice may depend on specific coverage needs and pricing in your area.
Allstate vs The General: Which insurance company is better?
Allstate is generally considered a better insurance company compared to The General. Allstate offers a wider range of coverage options, more discounts, and has a stronger reputation for customer service. The General may offer more affordable rates for high-risk drivers but lacks the comprehensive services of Allstate.
Allstate vs Safe Auto: Which offers better coverage?
Allstate typically offers better coverage compared to Safe Auto. Allstate provides a broad range of coverage options and additional services, while Safe Auto focuses on providing minimum coverage at lower rates. For more comprehensive coverage, Allstate is usually the better choice.
Allstate vs Infinity: Which provides better rates?
Infinity Insurance might offer lower rates compared to Allstate, especially for high-risk drivers. However, Allstate provides a broader range of coverage options and additional services. Comparing quotes from both companies can help you determine which offers better rates for your specific needs.
Allstate vs Liberty Mutual: Which is the better choice?
Both Allstate and Liberty Mutual offer strong insurance options, but your choice may depend on specific factors. Allstate is known for its extensive agent network and variety of coverage options, while Liberty Mutual offers competitive pricing and various discounts. Comparing quotes and services from both can help determine the better choice for you.
Allstate vs Mercury: Which insurance provider offers better value?
Mercury Insurance often provides more competitive rates compared to Allstate, especially for drivers with less-than-perfect records. However, Allstate offers a wider range of coverage options and additional services. Evaluating your coverage needs and comparing quotes from both can help you determine which offers better value.
Allstate vs MetLife: Which offers better auto insurance?
Allstate generally offers more extensive auto insurance coverage options compared to MetLife. While MetLife provides competitive rates and good customer service, Allstate’s range of discounts and additional services often make it a better choice for comprehensive auto insurance coverage.
Allstate vs Nationwide: Which insurance provider is better?
Both Allstate and Nationwide have strong offerings. Allstate is known for its wide range of coverage options and extensive network of agents, while Nationwide provides competitive rates and a variety of discount opportunities. Your choice may depend on personal preferences and specific insurance needs.
Geico vs Farmers: Which insurance company is superior?
Geico and Farmers both offer strong insurance options. Geico is known for its competitive pricing and user-friendly online tools, while Farmers provides a wide range of coverage options and discounts. Comparing rates and services from both companies can help you decide which is superior for your needs.
Amica vs Allstate: Which offers better auto insurance?
Amica often provides high customer satisfaction and competitive rates, with a strong reputation for service. Allstate offers a broader range of coverage options and additional services. Your choice between Amica and Allstate may depend on the importance of personalized service versus coverage variety.
Amica vs Farmers: Which has better coverage options?
Farmers typically offers more extensive coverage options compared to Amica. Farmers provides a wide array of customizable policies and additional endorsements, while Amica offers competitive coverage but may have fewer options. Evaluating your specific coverage needs can help determine which is better for you.
How can I contact the Allstate claims department?
You can contact the Allstate claims department by calling their customer service number, visiting the Allstate website for online claim submissions, or using the Allstate mobile app. The claims department is available to assist with filing and managing insurance claims.
What does the Allstate enhanced package include?
The Allstate enhanced package typically includes additional coverage options beyond standard policies. This may include features such as accident forgiveness, better repair options, and higher coverage limits. Specific details can vary, so it’s best to consult with an Allstate agent for precise information.
What is the Allstate federal employee discount?
The Allstate federal employee discount is a special rate offered to federal government employees, which can provide savings on auto and home insurance policies. To find out if you qualify and the exact discount amount, contact an Allstate agent or visit the Allstate website.
Where can I find Allstate insurance in Cleveland, TN?
Allstate insurance services in Cleveland, TN, can be found through local Allstate agents. You can locate an agent by visiting the Allstate website and using the agent locator tool or by searching for local Allstate offices in Cleveland, TN.
Does Allstate offer a military discount for insurance?
Yes, Allstate offers a military discount for eligible members of the armed forces. This discount is available to active-duty military personnel, veterans, and their families. For more details on eligibility and discount amounts, contact an Allstate agent or visit the Allstate website.
What are the details of Allstate insurance in Wilmington, NC?
In Wilmington, NC, Allstate offers a variety of insurance products, including auto, home, and more. Specific details about coverage options, rates, and local agents can be obtained by visiting the Allstate website or contacting an Allstate agent in Wilmington.
What is Texas Farm Bureau car insurance like?
Texas Farm Bureau car insurance provides coverage options tailored to the needs of Texas residents. It often includes competitive rates, various discount opportunities, and personalized service. To get more specific information, contact the Texas Farm Bureau or visit their website.
What are the BBB reviews for Encompass Insurance?
The BBB reviews for Encompass Insurance provide insights into the company’s customer service and overall performance. Encompass typically receives a range of reviews, reflecting its reputation in the insurance industry. For the most current reviews and ratings, check the BBB website directly.
How do I log in to Ameriprise car insurance?
To log in to Ameriprise car insurance, visit the Ameriprise Financial website or mobile app. Click on the “Log In” button, then enter your username and password. If you’re a new user, you may need to register first by following the instructions for account creation. For assistance, you can contact Ameriprise customer support.
Enter your ZIP code below to compare auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.