Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Feb 4, 2022

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Just What's Essential

  • Farmers car insurance is cheaper than Allstate on average
  • Allstate and Farmers both offer many car insurance discounts that save you money
  • Allstate has a slightly higher A.M. Best rating, but both Allstate and Farmers have an A+ rating with the Better Business Bureau

When it comes to affordable car insurance, you have a lot of options. Comparing companies head to head can help narrow down your choices. We compare Allstate vs. Farmers car insurance companies to see which one might best meet your needs.

We’ve all seen the Allstate and Farmers insurance commercials. Each company offers a multitude of coverages and discounts.But comparing rates, discounts, financial ratings, and customer satisfaction is the only way todetermine if either is right for you.

However, you don’t have to just compare Allstate vs. Farmers to find the best company. Keep reading to see if Allstate or Farmers car insurance is a good option for you. Enter your ZIP code to receive free car insurance quotes from multiple companies in your area.

Is Allstate car insurance or Farmers car insurance cheaper?

It might surprise you what all goes into determining your car insurance rates. Companies look at everything from your age, gender, driving history, and credit score to calculate your rates.

These factors will determine just how affordable Allstate vs. Farmers car insurance is for you.

First, take a look at the average annual Allstate vs. Farmers car insurance rates based on your age, gender, and marital status.

Allstate vs. Farmers Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesFarmers Average Annual Rates
Single 17-year-old female$3,424.87$8,666.24
Single 17-year-old male$10,642.53$9,202.06
Single 25-year-old female$3,424.87$2,672.81
Single 25-year old male$3,570.93$2,791.21
Married 35-year-old female$3,156.09$2,316.82
Married 35-year-old male$3,123.01$2,306.44
Married 60-year-old female$2,913.37$2,117.42
Married 60-year-old male$2,990.64$2,179.61
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Farmers auto insurance rates are cheaper for almost every demographic. However, Allstate auto insurance is cheaper if you are a 17-year-old female.

Another important factor that car insurance companies use to calculate your rates is your driving record. If you have accidents, tickets, or DUIs, you will spend a lot more on your insurance than if you have a clean driving record.

Allstate vs. Farmers Average Annual Rates Based on Driving Record
Driving RecordAllstate Average Annual RatesFarmers Average Annual Rates
Clean record$3,819.90$3,460.60
With 1 accident$4,987.68$4,518.73
With 1 speeding violation$4,483.51$4,079.01
With 1 DUI$6,260.73$4,718.75
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Allstate insurance is more expensive than Farmers, especially if you have a DUI on your driving record.

You might be surprised to learn your credit score affects your car insurance rates. Insurance companies believe that if you have a higher credit score, you are less likely to file a claim and more willing to pay out of pocket for damages.

Allstate vs. Farmers Average Annual Rates Based on Credit History
Credit HistoryAllstate Average Annual RatesFarmers Average Annual Rates
Good$3,859.66$3,677.12
Fair$4,581.16$3,899.41
Poor$6,490.65$4,864.14
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Farmers is cheaper no matter what your credit score looks like. Keep in mind that a few states, like California, don’t allow insurance companies to look at your credit score to determine your rates.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Allstate vs. Farmers: Which offers better car insurance discounts?

Car insurance discounts are a great way to lower your rates. Most companies offer you discounts based on a variety of things, including how many cars you have, your occupation, and even how many policies you have.

This table shows you the car insurance discounts that are offered by Allstate and Farmers. If the amount of the discount is known, it is included.

Allstate vs. Farmers Available Car Insurance Discounts
Car Insurance DiscountsAllstate (%)Farmers (%)
Adaptive HeadlightsN/Ax
Anti-lock Brakesxx
Anti-Theftxx
Claim Freexx
Continuous Coveragexx
Daytime Running Lightsxx
Defensive Driverxx
Distant Studentxx
Driver's Edxx
Driving Device/AppxN/A
Early Signingxx
Electronic Stability Controlxx
Family PlanN/Ax
Farm Vehiclexx
Federal EmployeeN/Ax
Full PaymentN/Ax
Garaging/StoringN/Ax
Good CreditxN/A
Good Studentxx
Green Vehiclex5
HomeownerN/Ax
Life InsurancexN/A
Low Mileagexx
Militaryxx
Multiple Policies10x
Multiple Vehiclesxx
Newer Vehiclexx
Occupationxx
On-Time PaymentsxN/A
Paperless Documentsxx
Paperless/Auto Billingxx
Passive Restraintxx
Safe DriverN/Ax
Senior Driverxx
Switching ProviderN/Ax
Utility Vehiclexx
Vehicle Recoveryxx
VIN EtchingN/Ax
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Both companies offer most of the same discounts. However, there are some differences.

For example, Allstate offers a discount for on-time payments, and Farmers doesn’t. On the other hand, Farmers offers a safe driver discount, and Allstate doesn’t.

Be sure to ask for any discounts as you compare Allstate vs. Farmers car insurance quotes to get the lowest rates possible.

How do Allstate vs. Farmers compare in financial strength and customer satisfaction?

A.M. Best ranks companies based on how financially stable they are. Allstate received an A+ rating, showing it has a superior ability to meet obligations. Farmers received an A rating, meaning it has an excellent ability to meet obligations.

Both Allstate and Farmers received an A+ rating with the Better Business Bureau. However, Farmers is accredited and Allstate is not.

Both companies were also ranked by J.D. Power for customer satisfaction on factors like what is offered, billing, price, and claims. Both Allstate and Farmers ranked about average.

Allstate vs. Farmers: The Bottom Line

Both Allstate and Farmers offer websites that provide online quotes. You can also use the Allstate app or Farmers insurance dashboard to access your accounts.

With Allstate and Farmers insurance, you can file a claim online or through the app as well. Other services, such as roadside assistance, are also offered by each company and accessible through the website or app.

To learn more about each company, read our Allstate car insurance review and our Farmers car insurance review.

Deciding to buy Allstate vs. Farmers car insurance can be a difficult decision. Weigh the pros and cons to determine if either company is right for you, then enter your ZIP code below to compare free quotes from multiple car insurance companies near you.