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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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Allstate vs. Farmers: Which Is Cheaper?

Overall, Farmers has lower average annual rates than Allstate, amounting to a savings of about $700 per year. The specific savings varies depending on age, gender, driving record and other factors, but it’s safe to say that compared to Allstate, Farmers is probably the less expensive choice for most drivers. Farmers customers reported paying an average of $4,193 annually for car insurance, compared to $4,888 with Allstate.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 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. The rates shown here are for comparative purposes only. Individual rates will differ.

We also 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.

Allstate

  • More expensive than most other companies
  • Local agents
  • 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 Teens?

Company

Single 17-year-old female

Single 17-year-old male

Allstate

$9,282.19

$10,642.53

Farmers

$8,521.97

$9,144.04

Farmers is a more affordable choice for teens than Allstate, with annual rates that are several hundreds of dollars less per year for females, and close to $1,000 less for males. The average annual premium for a single 17-year-old female with Farmers is $8,522, a savings of close to $700 compared to the $9,282 average with Allstate. For a male of the same age, the difference was even greater - $9,144 with Farmers and $10,643 with Allstate.

For these two insurance companies, neither was the cheapest nor the most expensive for teens. In fact, teens saw lower average rates from USAA, State Farm, Nationwide, Geico, and American. Both Allstate and Farmers offer discounts for students with good grades and those attending school away from home. Allstate offers an additional discount for young drivers who complete a driver education course.

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

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Allstate

$3,570.93

$3,123.01

$2,990.64

Farmers

$3,041.44

$2,557.75

$2,448.39

Farmers is cheaper than Allstate for adult men of any age, saving customers around $500 to $600 per year compared to Allstate, regardless of the adult driver’s age. Single 25-year-old single males reported annual rates of $3,041 on average with Farmers. Average rates dropped to $2,558 annually for married 35-year-old males, and $2,448 for a married 60-year-olds. With Allstate, rates for the men of the same age were $3,571, $3,123, and $2,991, respectively. Although Farmers proved to be more affordable than Allstate, their rates are still on the high side. USAA, Travelers, State Farm, Progressive, Nationwide, Geico, and American Family all typically had lower rates.

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

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Allstate

$3,424.87

$3,156.09

$2,913.37

Farmers

$2,946.80

$2,556.98

$2,336.80

Farmers is cheaper than Allstate for women too, regardless of age. The savings were about the same as males, averaging between $500 and $600, even though rates for women were slightly cheaper than for men. Single 25-year-old females pay $2,947 annually on average, while the averages were $2,557 for a married 35-year-old and $2,337 for a married 60-year-old. With Allstate, average rates for women in the same age brackets are $3,425, $3,156, and $2,913, respectively. As we saw with men, there are plenty of cheaper choices than Allstate or Farmers. For example, you can find lower average rates for women with USAA, Travelers, State Farm, Progressive, Nationwide, Geico, and American Family.

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

Company

12,000 miles annually

Allstate

$4,934.20

Farmers

$4,209.22

Farmers was also the more affordable choice for drivers who put on a lot of miles per year, saving customers about $700 annually compared to Allstate. Drivers who rack up 12,000 miles per year have average rates of $4,209 with Farmers, and $4,934 with Allstate. With either company, we didn’t see much of an increase for higher mileage.

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

Company

6,000 miles annually

Allstate

$4,841.71

Farmers

$4,179.32

Drivers who only travel 6,000 miles per year are also better off with Farmers, which charges an average of $4,179 annually for this group. Allstate customers driving the same number of miles pay an average of $4,842. That works out to a similar savings for drivers traveling 12,000 miles per year, or about $700 annually.

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

Company

Good credit

Allstate

$3,859.66

Farmers

$3,677.12

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, Farmers is a more affordable choice for drivers regardless of their credit rating.

Drivers with good credit pay $3,677 per year with Farmers on average, which is roughly $200 less than the $3,860 reported by drivers insured by Allstate.

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

Company

Poor credit

Allstate

$6,490.65

Farmers

$4,864.14

The lower your credit score, the greater your savings with Farmers compared to Allstate. Drivers with fair credit pay $3,899 with Farmers, almost $600 less than the $4,582 paid by Allstate customers on average. For drivers with poor credit, the savings jumped by about $1,400 annually, with rates of $4,864 on average with Farmers and $6,491 with Allstate.

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

Company

Clean record

Allstate

$3,819.90

Farmers

$3,460.60

Once again, Farmers is cheaper than Allstate regardless of your driving record. And the worse your record, the better the savings. Drivers with a clean record pay an average of $3,461 with Farmers, about $350 less than the $3,820 annual average rate with Allstate.

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

Company

With 1 speeding violation

Allstate

$4,483.51

Farmers

$4,079.01

Drivers with one speeding violation pay about $400 less with Farmers than with Allstate, with annual premiums averaging $4,079 with Farmers compared to $4,484 with Allstate. But the survey also found that a speeding ticket will cost you dearly with either company, adding up to about a $600 annual increase compared to a clean driving record.  

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

Company

With 1 accident

Allstate

$4,987.68

Farmers

$4,518.73

An accident brings a rate hike of more than $1,000 to drivers insured by either Allstate or Farmers in our survey, but both the increase and the overall rate were lower with Farmers. Drivers insured by Farmers see an average rate of $4,519 after a single crash, which is about $1,150 higher than rates for drivers with clean records. The rate is $4,988 with Allstate, an increase of about $1,170, and almost $500 higher than the Farmers rate.

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

Company

With 1 DUI

Allstate

$6,260.73

Farmers

$4,718.75

Drivers with a DUI on their record would be wise to shop around. On average, Farmers’ annual rates are lower than Allstate’s by more than $1,500. The average annual insurance cost for Farmers customers with a DUI is $4,719, an increase of around $1,300 compared to those with a clean driving record. With Allstate, the average annual rate for drivers with a DUI is $6,261. That’s an increase of more than $2,400 over the rates of drivers with a clean driving record, and it’s $1,542 more than what Farmers charged for customers with a single DUI.

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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. Liberty Mutual
  10. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95.

Liberty Mutual car insurance rates are not currently available.