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Having good car insurance can help make a terrible situation – having a car accident – more bearable. Having bad car insurance can make that same terrible situation worse, and it also means throwing money away year after year by paying higher rates than you need to.

To make it easier to find the right car insurance for you, we looked at average annual rates from the nation’s 10 largest car insurance companies. We also asked real car insurance customers about their experiences filing claims with their auto insurance companies to find out which companies treat their customers well and which have some improving to do.

If you’re shopping for car insurance, Allstate and State Farm are likely on your list. They’re two of the largest car insurance companies out there, and while both have state in their names, there are some key differences you need to know about. Keep reading to find out if Allstate or State Farm is the best bet for your car insurance needs.

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Allstate vs. State Farm: Which Is Cheaper?

Allstate’s average auto insurance rates are higher than State Farm’s in every category and demographic we studied. The overall average rate at Allstate is $4,888, while at State Farm, the overall average is $3,260. That’s a difference of more than $1,600.

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

  • Expensive rates
  • Poor ratings for value

State Farm

  • Affordable rates
  • High customer satisfaction scores

Allstate Auto Insurance Information

You probably know that “You’re in good hands with Allstate.” But you might not know that Allstate’s market share has been slipping in recent years. By the end of 2017, it was the fourth-largest insurer in the United States, with 9.29 percent of the market.

Allstate sits near the bottom of our rankings, at No. 8 out of 10. Respondents in our survey gave Allstate its highest score for the ease of filing a claim. However, customers did not feel they were getting a good value from their auto insurance, probably because Allstate has some of the highest average rates of any of the companies we studied.

State Farm Auto Insurance Information

Like a good neighbor, State Farm is there, if “there” is its position at the top of the insurance market. It has 18.13 percent of the market, which is a little less than it's had in previous years. But that’s still about twice the market share of Allstate and by far the largest slice of the car insurance market pie.

State Farm lands at No. 3 in our survey of the top 10 car insurance companies. It scored well in customer service and the ease of filing a claim, and more than 60 percent of our respondents said they’d recommend State Farm auto insurance to others. The company’s lowest score was for updates during the claims process. Some respondents would have liked more – and more timely – information.

Allstate and State Farm 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

State Farm

$5,953.88

$7,324.34

State Farm’s average car insurance rates for teen drivers are about $3,000 less than Allstate’s. A 17-year-old male pays $7,324 on average with the company, compared to $10,642 for the same demographic at Allstate. A 17-year-old female pays just under $6,000 with State Farm and nearly $9,300 with Allstate.

State Farm offers a discount of 25 percent for students who get good grades and offers additional discounts for those who complete driver’s education courses. Allstate offers a student discount to those who get good grades, complete the teenSmart driver education program, or attend school away from home.

Allstate and State Farm 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

State Farm

$2,554.56

$2,081.72

$1,873.89

Car insurance rates from both insurers drop significantly for males when they turn 25, but State Farm’s rates are still about $1,000 less for each age group we looked at. The average auto insurance rate for a 25-year-old male is $2,555 with State Farm and $3,425 with Allstate. When men turn 35, the rates drop to $2,082 with State Farm and $3,123 with Allstate. By the time men turn 60, those car insurance rates are as low as they’ll get, with an average of $1,875 from State Farm and $2,991 from Allstate.

Allstate and State Farm 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

State Farm

$2,335.96

$2,081.72

$1,873.89

Car insurance rates for women are about $1,000 less with State Farm than with Allstate. At age 25, a female driver’s average auto insurance rate with State Farm is $2,336, while with Allstate it’s $3,425. By the time she’s 35 years old, that average drops to $2,082 at State Farm and $3,156 at Allstate. Female drivers who are 60 years old see the lowest car insurance rates: $1,875 with State Farm and $2,913 with Allstate, still a $1,000 difference.

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

Company

12,000 miles annually

Allstate

$4,934.20

State Farm

$3,344.01

We looked at car insurance rates for drivers who put about 12,000 miles on their odometers each year, which is close to the average mileage driven annually in the United States. At State Farm, the average auto insurance rate for this group is $3,344, while Allstate’s average rate is $4,934. That’s a difference of nearly $1,600.

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

Company

6,000 miles annually

Allstate

$4,841.71

State Farm

$3,175.98

Those who drive half as much, about 6,000 miles a year, see only a little savings from both these insurance companies. State Farm’s average auto insurance rate for these low-mileage drivers is $3,176, while Allstate’s average is $4,842, nearly $1,700 more.

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

Company

Good credit

Allstate

$3,859.66

State Farm

$2,174.26

State Farm has a less expensive average auto insurance rate for drivers with good credit: $2,174. Allstate’s average for this same demographic is $3,860.

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

Company

Poor credit

Allstate

$6,490.65

State Farm

$4,951.20

Both of these insurers have much higher average car insurance rates for drivers with poor credit. State Farm’s average for these drivers is nearly $5,000, while Allstate’s is about $6,500. The difference between average car insurance rates for drivers with good credit and those with poor credit is about $2,600 with Allstate, while it’s a nearly $2,800 difference with State Farm.

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

Company

Clean record

Allstate

$3,819.90

State Farm

$2,821.18

For customers with a good driving record, State Farm has an average auto insurance rate that's about $1,000 less than Allstate’s. The average rate for a driver with a clean record at State Farm is $2,821, while it’s $3,820 at Allstate.

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

Company

With 1 speeding violation

Allstate

$4,483.51

State Farm

$3,186.01

Not only is the average auto insurance rate for a driver with one speeding ticket lower at State Farm, but it’s also less of a penalty than it would be at Allstate. State Farm’s average rate for a driver with a speeding violation is $3,186, which is $365 more than rates for drivers with a clean record. Allstate’s car insurance rate for those with a speeding ticket is $4,484, or $664 more than for those with a clean record.

Allstate and State Farm Car Insurance: Which Is Cheapest After An Accident?

Company

With 1 accident

Allstate

$4,987.68

State Farm

$3,396.01

Getting into an accident is also less expensive at State Farm. The average auto insurance rate for those with a crash on their record is about $3,400, which is $575 more than those with a clean record pay. At Allstate, the rate for a driver with one accident is nearly $5,000 – about $1,200 more than the clean-record rate.

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

Company

With 1 DUI

Allstate

$6,260.73

State Farm

$3,636.80

Even for those with one DUI on their driving record, State Farm’s car insurance rates are far lower than Allstate’s. At State Farm, the average rate for drivers with a DUI is $3,637, about $800 more than if the driver had a clean record. At Allstate, the rate is $6,260 for those with a DUI, nearly $2,500 more than the clean-record rate and about $2,600 more than State Farm’s average rate for drivers with the same conviction.

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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, State Farm, 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.