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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. It can also mean 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 nine 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 improvements to make.

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.

Allstate vs. State Farm: Pros & Cons

Allstate:

    • Customers are satisfied with ease of filing a claim

    • Good ratings for value

    • Higher rates than State Farm

    • Higher rates than most other competitors

State Farm:

    • Affordable rates

    • High customer satisfaction scores

    • High overall ranking among largest auto insurance companies

    • Rates are disproportionately high for customers with poor credit

Allstate vs. State Farm 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

We’ve all heard the well-known slogan: “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% of the market.

Allstate sits near the top of our ranking, at No. 3 out of 10. Respondents in our survey gave Allstate its highest score for satisfaction with customer service. However, some 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.

Read our full Allstate review to learn more »

State Farm Auto Insurance Rating

Rating: 4.06/5

Like a good neighbor, State Farm is there, if “there” is its position at the top of the insurance market. It has 18.13% 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. 4 in our survey of the top 10 car insurance companies. It scored well in customer service and the ease of filing a claim, and many of our respondents said they’d recommend State Farm auto insurance to others. The company’s lowest score was for perceived value provided by State Farm, though this score was still higher than scores earned by about half of the rival companies in the study. 

Read our full State Farm 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 ranking

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 463 filed a claim with State Farm. 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 Rankings 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 vs. State Farm Car Insurance: Which Is Cheapest?

Allstate’s average auto insurance study rates are higher than State Farm’s in every category and demographic we studied. The overall average representative rate at Allstate is around $1,880, while at State Farm, the overall average is $1,234. That’s a difference of about $650, or 34%. For comparison’s sake, the national average representative rate across the nine auto insurance companies in our study is $1,416.

Though this comparison focuses mainly on car insurance rates, we also looked at how satisfied customers were with their auto insurance company. 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. 

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Read more about the Cheapest Car Insurance Companies »

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

 

25-year-old male

35-year-old male

60-year-old male

Allstate

$2,097.41

$1,838.24

$1,763.31

State Farm

$1,468.63

$1,204.67

$1,098.01

According to the data in our study, the average representative auto insurance rate for our driver profile for a single 25-year-old male is $1,469 with State Farm and $2,097 with Allstate. The nationwide average representative rate for this group across all companies in our study is $1,669, which is about 12% more than State Farm’s representative rate and about 30% less than Allstate’s. At age 35, the representative rates for our driver profiles drop to $1,205 with State Farm and $1,838 with Allstate. Allstate’s rate is about 26% higher than the national average of $1,368, and State Farm’s is about 14% lower than the average. By the time men turn 60, data for our driver profile shows those car insurance study rates are as low as they’ll get, with an average representative rate of $1,098 from State Farm and $1,763 from Allstate. State Farm’s representative rate is 15% less than the national average representative rate of $1,267, and Allstate’s rate is 28% more.

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 State Farm Car Insurance: Which Is Cheapest for Women?

 

25-year-old female

35-year-old female

60-year-old female

Allstate

$2,012,48

$1,853.99

$1,716.82

State Farm

$1,330.05

$1,204.67

$1,098.01

Our data shows that car insurance average representative rates for women are about $600 to $700 less with State Farm than with Allstate. At age 25, a female driver profile’s average representative auto insurance rate with State Farm is $1,330, while with Allstate it’s $2,012. The study’s nationwide average rate for this group is $1,593, which is about 26% lower than Allstate’s representative rate and about 17% higher than State Farm’s. By the time the driver in this profile is 35 years old, that average representative rate drops to $1,205 at State Farm and $1,854 at Allstate, with a nationwide average rate of $1,370. State Farm’s profile saves about 13% and Allstate’s profile pays about 35% more. Female driver profiles who are 60 years old see the lowest average representative car insurance rates: $1,098 with State Farm and $1,717 with Allstate. For this group, the study’s nationwide average rate is $1,229, which is about 40% less than Allstate’s rate but about 11% more than State Farm’s rate. 

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

 

12,000 miles annually

Allstate

$1,880.37

State Farm

$1,234.01

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 study rate for this driver profile is $1,234 according to our study data, while Allstate’s average representative rate is $1,880.

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

 

6,000 miles annually

Allstate

$1,836.09

State Farm

$1,113.59

Our study data shows that 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 representative rate for these low-mileage driver profiles is $1,114, while Allstate’s average representative rate is $1,836. That represents an 11% savings for State Farm customers and just a 2% savings for Allstate customers as compared to the profiles with higher mileage.

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

 

Good credit

Allstate

$1,900.55

State Farm

$1,231.37

State Farm has a less expensive average representative auto insurance rate for our driver profile with good credit: $1,231. Allstate’s average representative rate for this same demographic is $1,901. The study’s national average rate for this group, $1,401, is about 12% more than State Farm’s and about 36% less than Allstate’s.

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

 

Poor credit

Allstate

$3,024.81

State Farm

$2,744.71

Both of these insurers have much higher average representative car insurance rates for driver profiles with poor credit. State Farm’s average for these driver profiles is $2,745, while Allstate’s is $3,025. The difference between average car insurance rates in our study for driver profiles with good credit and those with poor credit is about 59% with Allstate, while it’s a difference of about 122% with State Farm. The national average rate for this group is $2,353. Allstate’s representative rate is about 29% higher than the average, and State Farm’s is about 11% lower.

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

 

Clean record

Allstate

$1,880.37

State Farm

$1,234.01

For customer profiles with a good driving record, the average representative rate at State Farm is $1,234, while it’s $1,880 at Allstate. The study’s national average for this group is $1,416. That means State Farm’s profile saves about 19%, while Allstate’s profile pays about 38% more than average.

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

 

With 1 speeding violation

Allstate

$2,211.75

State Farm

$1,374.63

Getting a speeding ticket is expensive for multiple reasons. Even after you have paid the fines, your car insurance is likely to go up. Our study data and driver profiles can help show how much this moving violation can potentially cost over the long run.

Not only is the average representative auto insurance rate for a driver profile 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 representative rate for a driver with a speeding violation is $1,375, which is about 11% more than the study rate for driver profiles with a clean record. Allstate’s average representative car insurance rate for those with a speeding ticket is $2,212, or about 18% more than for those with a clean 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 State Farm Car Insurance: Which Is Cheapest After an Accident? 

 

With 1 accident

Allstate

$2,673.09

State Farm

$1,486.96

According to our driver profiles for consumers with a single accident on their driving record, getting into an accident is also less expensive at State Farm. The average representative auto insurance rate for the profiles with a crash on their record is $1,487, which is about 21% more than those with a clean record pay. At Allstate, the average representative rate for a driver profile with one accident is $2,673 – about 42% more than the clean-record representative rate.

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

 

With 1 DUI

Allstate

$3,251.65

State Farm

$1,680.87

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Get great auto insurance coverage at an even better price.

According to our study data and driver profiles, even for those with one DUI on their driving record, State Farm’s average representative car insurance rates are far lower than Allstate’s. At State Farm, the average representative rate for driver profiles with a DUI is $1,681, about 36% more than if the driver had a clean record. At Allstate, the average representative rate is $3,252 for those with a DUI, about 73% more than the clean-record rate and about 93% more than State Farm’s average representative rate for driver profiles with the same conviction.

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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