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Regardless of how happy you are with your insurer, it’s always a good idea to shop around once a year. Your circumstances may have changed, or another company may simply offer better rates and service. That said, comparing car insurance companies isn’t easy.

To help you find the right car insurance company for you, we took a closer look at Allstate and Farmers – two of the largest auto insurance companies in the U.S. – to see how they compare. Depending on your needs and other factors mentioned above, one of these might be the best choice for you. 

For most drivers, Farmers is going to be the better choice of the two. Farmers had more affordable rates for a wide variety of our driver profiles, regardless of age, gender, driving record, and other factors. Both companies received good scores for customer service. We’ll look into the details next. 

Allstate vs. Farmers: Pros & Cons

Allstate

    • Local agents

    • Good scores for customer satisfaction overall

    • More expensive than most other companies

Farmers

    • Good customer satisfaction scores

    • More affordable rates than Allstate

    • Many discounts available

Allstate vs. Farmers Customer Satisfaction

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1. USAA
  2. Geico
  3. Allstate
  4. State Farm
  5. Farmers
  6. Progressive
  7. American Family
  8. Nationwide
  9. Travelers

Read more about the Best Car Insurance Companies »

Allstate Auto Insurance Rating

Rating: 4.10/5

Bruce Bennett / Staff / Getty Images

One of the most recognized names in car insurance, Allstate was once owned by Sears but became independent in 1995. With $21.4 billion in auto insurance policies underwritten every year, Allstate has a 9% market share. Most of its business is handled by local agents, but support services are available online and over the phone as well, providing 24/7 assistance in the event of an emergency. Allstate offers insurance discounts for good students, drivers with a clean driving record, and seniors, along with a multi-policy discount for those who combine homeowners, renters, or another policy with their auto insurance. Allstate is also the parent company of online insurance provider Esurance, as well as Encompass insurance, which is sold primarily through independent insurance agents.

In addition to being a well-known company, Allstate is generally well-liked by its customers. Allstate ranked third for satisfaction in our survey, beaten only by USAA and Geico. The company received good scores for its performance overall, with more than 75% of respondents saying they were either satisfied or very satisfied with customer service, ease of filing a claim, and how that claim was resolved. About 10% or less said they were unsatisfied or very unsatisfied in response to the same questions. Allstate received a lower score for value, with slightly more than 47% saying they were very satisfied and another 26% saying they were satisfied. Almost 10% of those surveyed said they were either unsatisfied or very unsatisfied with value. 

Read our full Allstate review to learn more »

Farmers Auto Insurance Rating

Rating: 3.94/5

Igor Golovniov / SOPA Images / LightRocket via Getty Images

Known for its familiar jingle and amusing ads, Farmers underwrites 19 million car insurance policies and has a 4% market share. It is wholly owned by policyholders, not shareholders. Farmers sells car insurance online, as well as through local Farmers and independent insurance agents. Farmers car insurance is available in all 50 states, and discounts are available for good students, seniors, and by combining multiple policies such as a homeowners or renter’s policy with auto insurance. The discounts you’re eligible for may vary depending on where you live.

Farmers received a mid-pack ranking in our survey, coming in at fifth place. Customers gave Farmers decent scores overall, with around 70% saying they were either satisfied or very satisfied with ease of filing a claim, customer service, status updates, claim resolution, and value. About the same number said they were likely to renew or recommend Farmers to others.

Read our full Farmers review to learn more »

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,732 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 166 filed a claim with Allstate and 74 filed a claim with Farmers. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our best car insurance companies ranking and this head-to-head comparison.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Allstate and Farmers Car Insurance: Which is Cheapest?

Overall, we found Farmers to have lower average annual representative rates than Allstate for our driver profiles, amounting to a savings of about $200 per year. The specific savings varies depending on age, gender, driving record and other factors, but based on the results of our study, it’s safe to say that compared to Allstate, Farmers is probably the less expensive choice for most drivers. Our study found an average representative rate for our driver profiles with Farmers of $1,682 annually for car insurance, compared to $1,880 with Allstate. That said, both were among the most expensive insures in our study. Of the nine companies in our analysis, Farmers had the third most expensive representative rates. Allstate was the costliest overall. 

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Read more about the Cheapest Car Insurance Companies »

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Allstate and Farmers Car Insurance: Which Is Cheapest for Men?

 

25-year-old male

35-year-old male 

60-year-old male

Allstate

$2,097

$1,838

$1,763

Farmers

$1,996

$1,619

$1,507

Our study found Farmers to be cheaper than Allstate for our male driver profiles of any age, saving between about 5% and 15% annually compared to Allstate, with savings increasing as our representative driver profiles got older. The savings amounted to about $100 for a 25-year-old male profile in our study, with an annual representative rate of $1,996 on average with Farmers. Average study rates with Farmers dropped to $1,619 annually for our 35-year-old male profiles, and $1,507 for a 60-year-old male profile. With Allstate, study rates for our male profiles in the 25-, 35-, and 60-year-old demographics were $2,097, $1,838, and $1,763, respectively. Although our study found Farmers proved to be more affordable than Allstate, their representative rates were still on the high side, and typically the second- or third-most expensive, depending on the demographic group. USAA, Travelers, State Farm, Progressive, Geico, and American Family all typically had lower study rates for our representative driver profiles. 

To find the average rates in our study based on gender and age, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Farmers Car Insurance: Which Is Cheapest for Women?

 

25-year-old female

35-year-old female

60-year-old female

Allstate

$2,012

$1,854

$1,717

Farmers

$1,908

$1,631

$1,431

Farmers proved cheaper than Allstate for female profiles in our study, too, regardless of age. The savings were similar to male profiles, averaging between about 5% and 16.5%, although representative rates for the female profiles were slightly cheaper than for the male profiles. The rate in our study for a representative 25-year-old female profile averaged $1,908 with Farmers, dropping to $1,631 for a 35-year-old female profile, and $1,431 for a 60-year-old female profile. With Allstate, average representative rates for our female profiles in the same age brackets were $2,012, $1,854, and $1,717, respectively. As we saw with the male profiles, there are plenty of cheaper choices than Allstate or Farmers. For example, you can find lower average study rates with USAA, Travelers, State Farm, Progressive, Geico, and American Family. 

We created driver profiles for females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have a clean driving record, 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Farmers Car Insurance: Which Is Cheapest for High Mileage?

 

12,000 miles annually

Allstate

$1,880

Farmers

$1,682

Our survey found that Farmers was also the more affordable choice for driver profiles who put on a lot of miles per year, saving our representative customers about $200 annually compared to Allstate. Our driver profiles racking up 12,000 miles per year had average study rates of $1,682 with Farmers and $1,880 with Allstate.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 12,000 miles per year. The profiles have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Farmers Car Insurance: Which Is Cheapest for Low Mileage?

 

6,000 miles annually 

Allstate

$1,836

Farmers

$1,670

Our representative driver profiles who only travel 6,000 miles per year were also better off with Farmers, where we found average study rates of $1,670 annually for this group. Allstate driver profiles driving the same number of miles would pay an average of $1,836. That works out to a savings with Farmers of slightly more than $165 annually. 

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 6,000 miles per year. The profiles also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Farmers Car Insurance: Which Is Cheapest for Good Credit?

 

Good credit

Allstate

$1,901

Farmers

$1,642

Your credit score can have more to do with what you pay for car insurance than how many miles you drive or other factors, including age, gender, or even your driving record. That said, our study found that Farmers is a more affordable choice than Allstate for driver profiles regardless of their credit rating, with savings of about 12-17% annually. 

Driver profiles with good credit paid $1,642 per year with Farmers on average, which is about $260 less than the $1,901 we found for profiles insured by Allstate.

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Allstate and Farmers Car Insurance: Which Is Cheapest for Bad Credit?

 

Poor credit 

Allstate

$3,025

Farmers

$2,669

Drivers with poor credit stand to save even more with Farmers compared to Allstate. For our driver profiles with poor credit, the savings with Farmers were more than $350, averaging $2,669 on average with Farmers and $3,025 with Allstate.

To compare the effects of credit score on car insurance rates, we used male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Allstate and Farmers Car Insurance: Which Is Cheapest for Good Drivers?

 

Clean record

Allstate

$1,880

Farmers

$1,682

Once again, we found Farmers to be cheaper than Allstate regardless of the driving record of our representative profiles. Our driver profiles with a clean record paid an average study rate of $1,682 with Farmers, about $200 less than the $1,880 annual average representative rate with Allstate.

We compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Farmers Car Insurance: Which Is Cheapest After a Speeding Ticket?

 

With 1 speeding violation

Allstate

$2,212

Farmers

$2,099

Driver profiles with one speeding violation paid about $115 less with Farmers than with Allstate, with annual representative premiums averaging $2,099 with Farmers compared to $2,212 with Allstate. Our study also found that a speeding ticket could cost you dearly with either company, adding about $330 with Allstate and $417 with Farmers compared to a clean driving record. 

To analyze these rates, we particularly looked at driver profiles with one speeding violation. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Farmers Car Insurance: Which Is Cheapest After an Accident?

 

With 1 accident

Allstate

$2,673

Farmers

$2,446

An accident brought a big rate hike for our driver profiles with either company, but both the increase and the overall study rate were lower with Farmers. Driver profiles insured by Farmers saw an average representative rate of $2,446 after a single crash, which is more than $750 higher than rates for our profiles with clean records. The study rate with an accident was $2,673 with Allstate, an increase of almost $800 over Allstate's representative rate for the profile with a clean driving history. 

We analyzed driver profiles with one accident to find these average rates. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Allstate and Farmers Car Insurance: Which Is Cheapest After a DUI?

 

With 1 DUI

Allstate

$3,252

Farmers

$2,640

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Our study found that drivers with a DUI on their record would also be wise to shop around. On average, our driver profiles with one DUI stood to pay almost $615 more annually with Allstate than with Farmers. The average annual insurance cost in our study for our Farmers profiles with a DUI was $2,640, an increase of around $960 compared to those with a clean driving record. With Allstate, the average annual representative rate for profiles with a DUI was $3,252. That’s an increase of more than $1,350 over the study rates of profiles with a clean driving record, and substantially higher than Farmers' representative rate for the profile with a DUI.

We compared driver profiles with one instance of driving under the influence (DUI) to arrive at these average rates in our study. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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