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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.

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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 ranking 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 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. 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 state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, 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 Rates

Overall, we found Farmers to have lower average annual representative rates than Allstate for our driver profiles, amounting to a savings of about $240 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 $1,538.21 annually for car insurance, compared to $1,777.66 with Allstate.

Allstate vs. Farmers: Pros & Cons

Allstate

    • Local agents

    • More expensive than most other companies

    • Low customer satisfaction scores

Farmers

    • Excellent customer satisfaction scores

    • More expensive rates than competitors

Allstate Auto Insurance Information

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 percent 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.

Though Allstate is a well-known company, that doesn’t always translate to happy customers. Allstate ranked close to the bottom for satisfaction in our survey, beating out only American Family. The company received decent scores for its performance overall, with more than 70 percent of respondents saying they were either satisfied or very satisfied with customer service, ease of filing a claim, and how that claim was resolved. On the other hand, close to 16 percent were either unsatisfied or very unsatisfied with customer service and how their claim was resolved. Allstate received a lower score for value, with only a little over 38 percent saying they were very satisfied and another 19 percent saying they were satisfied. Close to 40 percent of those surveyed said they were very unsatisfied. Another 18 percent reported being either unsatisfied or very unsatisfied with value.

Farmers Auto Insurance Information

Known for its familiar jingle and amusing ads, Farmers underwrites 19 million car insurance policies and has a 4 percent 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 among the highest customer service scores of any insurer in our survey. More than 80 percent of respondents said they were either satisfied or very satisfied with Farmers. Customers also gave Farmers high points for ease of filing a claim, with the company second only to USAA and tied with Travelers. However, lower satisfaction scores for value and claim resolution pulled down Farmers’ overall score, landing the company in fifth place for overall satisfaction in our survey.

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

Our study found Farmers to be cheaper than Allstate for our male driver profiles of any age, saving between $167 and $332 compared to Allstate, with savings increasing as our representative driver profiles got older. The savings amounted to about $167 for a 25-year-old male profile in our study, with an annual representative rate of $1,823.34 on average with Farmers. Average study rates with Farmers dropped to $1,457.68 annually for our 35-year-old male profiles, and $1,344.74 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 $1,991.16, $1,742.19, and $1,676.41, 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.

Company

25-year-old male

35-year-old male 

60-year-old male

Allstate

$1,991.16

$1,742.19

$1,676.41

Farmers

$1,823.34

$1,457.68

$1,344.74

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

Farmers proved cheaper than Allstate for female profiles in our study, too, regardless of age. The savings were similar to male profiles, averaging between $160 and $370, 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 $1747.67 with Farmers, dropping to $1,456.86 for a 35-year-old female profile, and $1,261.93 for a 60-year-old female profile. With Allstate, average representative rates for our female profiles in the same age brackets were $1,908.47, $1,760.38, and $1,629.81, 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 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.

Company

25-year-old female

35-year-old female

60-year-old female

Allstate

$1,908.47

$1,760.38

$1,629.81

Farmers

$1,747.67

$1,456.86

$1,261.93

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

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 $240 annually compared to Allstate. Our driver profiles racking up 12,000 miles per year had average study rates of $1,538.21 with Farmers, and $1777.66 with Allstate.

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 and customers who drove twice that amount. 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.

Company

12,000 miles annually

Allstate

$1,777.66

Farmers

$1,538.21

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

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 $1,527.24 annually for this group. Allstate driver profiles driving the same number of miles would pay an average of $1,735.00. That works out to a savings with Farmers of slightly more than $200 annually. 

The profiles with 6,000 miles of annual driving 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.

Company

6,000 miles annually 

Allstate

$1,735.00

Farmers

$1,527. 24

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

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. 

Driver profiles with good credit paid $1,498.31 per year with Farmers on average, which is almost $300 less than the $1,792.73 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 with ages of 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.

Company

Good credit

Allstate

$1,792.73

Farmers

$1,498.31

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

The lower your credit score, the greater your potential savings could be with Farmers compared to Allstate. For our driver profiles with poor credit, the savings with Farmers were about $350, averaging $2,659.81 on average with Farmers and $3,011.20 with Allstate.

To verify that a bad credit can impact car insurance rates, we created driver profiles insured through Farmers and Allstate with a poor credit score. The profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a clean driving history, and a medium level of insurance coverage. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Company

Poor credit 

Allstate

$3,011.20

Farmers

$2,659.81

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

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 $1,538.21 with Farmers, about $240 less than the $1,777.66 annual average representative rate with Allstate.

To find out just how much of an effect driving record has on insurance rates, 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 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.

Company

Clean record

Allstate

$1,777.66

Farmers

$1,538.21

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

Driver profiles with one speeding violation paid about $172 less with Farmers than with Allstate, with annual representative premiums averaging $1,907.63 with Farmers compared to $2,079.37 with Allstate. Our study also found that a speeding ticket could cost you dearly with either company, adding about $300 with Allstate and $370 with Farmers compared to a clean driving record. 

We tested our driving profiles to check rates following a speeding ticket. These driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have 12,000 miles of driving 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.

Company

With 1 speeding violation

Allstate

$2,079.37

Farmers

$1,907.63

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

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 $2,214.72 after a single crash, which is about $677 higher than rates for our profiles with clean records. The study rate with an accident was $2,514.378 with Allstate, an increase of about $737 over Allstate's representative rate for the profile with a clean driving history. 

To compare the rates offered by Farmers and Allstate to driving profiles with an accident on their driving history, we used male and female profiles in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for driving up to 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.

Company

With 1 accident

Allstate

$2,514.37

Farmers

$2,214.72

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

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 $555 more annually with Allstate than with Farmers. The average annual insurance cost in our study for our Farmers profiles with a DUI was $2,435.42, an increase of around $900 compared to those with a clean driving record. With Allstate, the average annual representative rate for profiles with a DUI was $2,990.62. That’s an increase of more than $1,200 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 analyzed car insurance rates for driver profiles with a DUI. These profiles were males and females aged 25-, 35-, and 60-years old. They had a good credit score, a medium level of insurance coverage, and 12,000 miles of driving per year. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Company

With 1 DUI

Allstate

$2,990.62

Farmers

$2,435.42

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the Best Car Insurance Companies and learn about what real customers say about Allstate, Farmers, and their competitors.

Our Car Insurance Ranking:

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

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates: