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Allstate Car Insurance vs. State Farm Car Insurance: Which Is Better?

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.

The Cheapest Car Insurance Companies

Average Annual Representative Rates:

Allstate and State Farm Car Insurance Rates

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 $1,778, while at State Farm, the overall average is $1,260. That’s a difference of more than $500.

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. 

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. 

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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 vs. State Farm: Pros & Cons

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 Men?

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 $1,501 with State Farm and $1,991 with Allstate. At age 35, the representative rates for our driver profiles drop to $1,237 with State Farm and $1,742 with Allstate. 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 $1,125 from State Farm and $1,676 from Allstate.

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

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Allstate

$1,991.16

$1,742.19

$1,676.41

State Farm

$1,501.23

$1,237.06

$1,124.88

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

Our data shows that car insurance average representative rates for women are about $500 less with State Farm than with Allstate across the board. At age 25, a female driver profile’s average representative auto insurance rate with State Farm is $1,373, while with Allstate it’s $1,908. By the time the profile is 35 years old, that average representative rate drops to $1,237 at State Farm and $1,760 at Allstate. Female driver profiles who are 60 years old see the lowest average representative car insurance rates: $1,125 with State Farm and $1,630 with Allstate.

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

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Allstate

$1,908.47

$1,760.38

$1,629.81

State Farm

$1,373.10

$1,237.06

$1,124.88

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

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 $1,260 according to our study data, while Allstate’s average representative rate is $1,778.

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

State Farm

$1,260.12

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

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 $1,138, while Allstate’s average representative rate is $1,735.

These representative rates from Allstate and State Farm are for driver profiles of customers who drive 6,000 miles a 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.

Company

6,000 miles annually

Allstate

$1,735.00

State Farm

$1,137.50

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

State Farm has a less expensive average representative auto insurance rate for our driver profile  with good credit: $1,260. Allstate’s average representative rate for this same demographic is $1,793.

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

State Farm

$1,259.74

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

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 $2,815, while Allstate’s is $3,011. The difference between average car insurance rates in our study for driver profiles with good credit and those with poor credit is about $1,200 with Allstate, while it’s a difference of more than $1,500 with State Farm.

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

Poor credit

Allstate

$3,011.20

State Farm

$2,815.36

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

For customer profiles with a good driving record, State Farm has an average representative auto insurance rate that's about $500 less than Allstate’s. The average representative rate for a driver profile with a clean record at State Farm is $1,260, while it’s $1,778 at 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 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

State Farm

$1,260.12

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

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 $1,409, which is about $150 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 $2,079, or about $300 more than for those with a clean record.

To get these study rates, we created driver profiles that had a single speeding ticket. 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

With 1 speeding violation

Allstate

$2,079.37

State Farm

$1,408.71

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

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 $1,502, which is about $240 more than those with a clean record pay. At Allstate, the average representative rate for a driver profile with one accident is $2,514 – about $740 more than the clean-record representative rate.

To compare the rates offered by Allstate and State Farm 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

State Farm

$1,501.96

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

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 $1,692, about $430 more than if the driver had a clean record. At Allstate, the average representative rate is $2,991 for those with a DUI, $1,210 more than the clean-record rate and about $1,300 more than State Farm’s average representative rate for driver profiles with the same conviction.

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

State Farm

$1,692.09

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, 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. American Family

The Cheapest Car Insurance Companies

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

Average Annual Rates: