State Farm vs Allstate Auto Insurance
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Auto insurance provider selection can be rather tricky; rates can vary depending on your vehicle, location, and driving record, and insurance providers offer a variety of perks. Allstate and State Farm are 2 of the largest car insurance providers in the country.
It can be easy to confuse the two since they have similar-sounding names but they both handle themselves quite differently. They both offer high-quality insurance services across the United States.
To simplify the process of comparing these two auto insurance companies we have compiled a list of various factors that should help you make an informed decision. Including company history, discount options, rate comparison, and many other factors to help you find the right policy for you.
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State Farm vs. Allstate: Company Overview
State Farm was founded in 1922 and ranks as one of the leading providers of auto and home insurance in the USA. The company stands by its customers by striving to provide the best products at the best prices. It isn’t a stranger to the Fortune 500 list.
Allstate was founded in 1931 and is focused on delivering quick service to ensure that its customers are insured and on the road within the shortest time possible. Allstate currently serves over 16 million households. The Ethisphere Institute named Allstate “The World’s Most Ethical Company” in 2016.
State Farm vs. Allstate: Price by Credit Score
Allstate could be the perfect option for you if you have poor credit. Allstate generally offers better rates compared to State Farm for prospective clients that have credit scores below 580. If you have exceptional credit (i.e., 800 and above) you should consider choosing State Farm since you could save up to $483 annually.
State Farm vs. Allstate: Rates for Drivers with Poor Driving Records
| Credit level | State Farm avg. annual premium | Allstate avg. annual premium |
|---|---|---|
| Very Poor (300-579) | $3,527 | $3,115 |
| Fair (580-669) | $2,008 | $2,167 |
| Good (670-739) | $1,619 | $2,020 |
| Very Good (740-799) | $1,454 | $1,823 |
| Exceptional (800-850) | $1,267 | $1,740 |
State Farm vs. Allstate: Rates for Drivers with Poor Driving Records
State Farm could be a better option than Allstate if you have ever had a reckless driving violation, speeding ticket, at-fault crash, or DWI. Each insurance provider rates its policies differently after such driving violations. Do not be afraid to shop around to find the carrier that best suits you.
Rates by citation: Allstate VS. State Farm
| Citation | State Farm avg. annual premium | Allstate avg. annual premium |
|---|---|---|
| At-fault accident (damage < $1,000) | $2,841 | $3,007 |
| At-fault accident (damage > $1,000) | $1,522 | $2,298 |
| DUI/DWI | $3,853 | $3,639 |
| Reckless driving | $2,894 | $3,380 |
| Speeding ticket | $1,985 | $2,251 |
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State Farm vs. Allstate: Rates by Age
Auto insurance providers often rely on the age of the driver to determine risk and adjust premiums accordingly. Auto insurance policies are usually most-affordable for middle-aged drivers but more expensive for teen drivers because they are inexperienced.
Rates by age: Allstate VS. State Farm
| Age tier | State Farm avg. annual premium | Allstate avg. annual premium |
|---|---|---|
| Teens | $5,821 | $6,447 |
| 20s | $2,372 | $2,638 |
| 30s | $1,583 | $2,639 |
| 40s | $1,584 | $1,910 |
| 50s | $1,555 | $1,891 |
| 60s | $1,486 | $1,762 |
Since each insurance provider rates age in a different way. It can be a good idea to compare rates and find the best coverage. Teen drivers should consider State Farm before Allstate since it offers average annual savings of $622 compared to Allstate.
| Discount Comparison | GEICO | Allstate |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | State Farm | Allstate |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings |
|
|
| User Satisfaction | A++ |
A+ |
| Other Products | State Farm | Allstate |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | State Farm | Allstate |
|---|---|---|
| About | Get the protection you need at a price you can afford with State Farm. Offering packaged options, discounts and custom coverage to meet any driver's needs. | Allstate gives quality protection at a great price, complete with personal attention, and service you need to choose coverage that makes the most sense for you. |
| Roadside Assistance | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. | Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy. |
| Additional Discounts | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. | Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired. |
| Recent Questions |
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location. What could be the reason State Farm increased my premium?State Farm will be the only one who can answer why the rate increased. I started a claim but canceled it with no payout. Why is it on my CLUE report?Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating. Does State Farm match auto insurance quotes with other companies?In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. |
Do I have to list my spouse as a driver?You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a marriage discount. Can I still be on my parent's car insurance?Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. An automated security gate hit my door, should I file a claim or get them to pay for the damages?It's unlikely the company will pay for damages to your vehicle because as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company. I recommend getting an estimate first to see how much the damage will cost. Is it required to be added to the policy even though I don't drive?Insurance companies generally require any household member of driving age to be listed on a policy. Policyholders normally have the option to "exclude" anyone they don't want added as a driver to their policy. |
State Farm vs. Allstate: Discounts Offered
Discounts offered by Both State Farm and Allstate
| Anti-Theft Device(s) | |
| Defensive Driver | |
| Good Driver | |
| Good Student | |
| Multiple Policies | |
| Telematics | |
| Student Away at School | |
| Driver Training |
Discounts Offered Exclusively by State Farm
| Multiple Vehicles | |
| Annual Mileage | |
| Affinity Membership Alum |
State Farm also offers an additional discount for vehicles manufactured in 1994 or later, depending on the loss experience of the vehicle make and model.
Discounts Offered Exclusively by Allstate
| Advanced Purchase | |
| Green Vehicles | |
| Anti-Lock Brake System | |
| New Vehicle |
Allstate also offers additional discounts for farm vehicles, utility vehicles, as well as the newly retired.
Discounts Not Offered by Either State Farm or Allstate
| Military | |
| ePay or eSign | |
| Home Owner |
State Farm Vs. Allstate: J.D. Power Claims Satisfaction Rating
The J.D. Power Claims Satisfaction Report is used to rate top insurance providers across a variety of service areas to provide consumers with reliable ratings. You can compare State Farm with Allstate as well as other key players by checking their rankings. In the J.D. Power Claims Ratings of 2017, State Farm and All-State had both a 3-out-of-5 rating for overall satisfaction.
State Farm Vs. Allstate: Financial Strength
Financial strength might not be immediately one of the first considerations when choosing an insurance provider, but it is still an important one when doing your research. In case of disaster, your insurer must be able to financially back its policies when claims are made in high volumes.
State Farm has received an Issuer Credit Rating (ICR) of “a++” and a Financial Strength Rating (FSR) of “A++” by A.M. Best, which are both the top score and are highly indicative of the fact that the company’s financial standing is excellent. State Farm was also awarded an “A2” rating by Moody’s, thus supporting its stable outlook.
Allstate is currently in a healthy financial state. Moody’s has awarded the company an “Aa3” rating, which indicates a stable outlook. The company also has a Financial Strength Rating (FSR) rating of “A+” as well as an Issuer Credit Rating (ICR) of “aa” from A.M. Best, which is further a testament to the fact that Allstate is in good financial standing.
State Farm Vs. Allstate: Roadside Assistance
State Farm provides Emergency Road Service that includes mechanical labor at the breakdown site, the towing of the vehicle to the repair shop, delivery of oil or gas, removal of a stuck vehicle, locksmith services, and assistance with a jumpstart or changing a tire.
Allstate customers, on the other hand, enjoy access to the company’s 24/7 roadside network without having to pay an annual fee. Instead, customers enjoy pay-per-use coverage that allows them to pay for the service when needed. For prepaid options, there’s Allstate Motor Club that offers full coverage, or you can add Towing and Labor Coverage to your auto insurance policy.
State Farm Vs. Allstate: Top Questions
State Farm
Will State Farm reimburse me for the towing cost after an apartment complex towed my vehicle?
Roadside assistance does cover towing when broken down, but it doesn’t cover someone else towing your vehicle. The insurance company won’t cover the cost of having your car towed from parking in the wrong location.
Why did State Farm increase my premium?
The premium is policy-specific, which is why it is only State Farm that can answer why the rate increased by 39 percent. In California, there’s currently no insurance law that would cause such a massive increase.
Will State Farm match car insurance quotes from other providers?
In practice, no. Auto insurance companies such as State Farm usually base their rates on the previous years’ filings in addition to other factors.
Allstate
Do I have to list my spouse as a driver?
You aren’t required to list a spouse on the policy, but many companies allow you to exclude your spouse as a driver. Remember that unless your spouse has bad credit, a poor driving history, or an expensive vehicle, it is usually better to add them because insurance providers typically offer discounts on joint policies.
Can I Still Be on My Parent’s Auto Insurance Policy?
Yes, you can remain on your parent's auto insurance policy for as long as you like. Auto insurance is not like healthcare insurance, wherewith healthcare insurance; you can only remain on your parent's policy until age 26.
Am I required to be added on a policy even though I do not drive?
Insurance providers generally require any member of the household of driving age to be listed on a policy. However, policyholders have the option to exclude those they don’t want to be added to their policy.
State Farm and Allstate are both exceptional companies regarding the services they offer their clients. It is thus up to the customer to decide which company is most appealing when it comes to meeting their insurance needs.
Ultimately, the only way to choose a company that’s best for you is to obtain a quote from both of them. Ensure that you talk to agents or representatives of each company to get a sense of what their customer service is like and whether or not you are able to connect with the company as a whole.