Allstate vs. Farmers Car Insurance for 2023
When comparing Allstate vs. Farmers car insurance, Farmers insurance is generally cheaper. Although Allstate has a higher A.M. Best rating, both Allstate and Farmers received an A+ rating from the BBB and scored average in customer service. Lower your Allstate vs. Farmers car insurance rates by asking for all available discounts.
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Written by
Laura Berry |
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Reviewed by
Melanie Musson
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UPDATED: Jun 30, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jun 30, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Table of Contents
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.
| Age, Gender, and Marital Status | Allstate Average Annual Rates | Farmers 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.
| Driving Record | Allstate Average Annual Rates | Farmers 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.
| Credit History | Allstate Average Annual Rates | Farmers 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.
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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.
| Car Insurance Discounts | Allstate (%) | Farmers (%) |
|---|---|---|
| Adaptive Headlights | N/A | x |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Claim Free | x | x |
| Continuous Coverage | x | x |
| Daytime Running Lights | x | x |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | x |
| Driving Device/App | x | N/A |
| Early Signing | x | x |
| Electronic Stability Control | x | x |
| Family Plan | N/A | x |
| Farm Vehicle | x | x |
| Federal Employee | N/A | x |
| Full Payment | N/A | x |
| Garaging/Storing | N/A | x |
| Good Credit | x | N/A |
| Good Student | x | x |
| Green Vehicle | x | 5 |
| Homeowner | N/A | x |
| Life Insurance | x | N/A |
| Low Mileage | x | x |
| Military | x | x |
| Multiple Policies | 10 | x |
| Multiple Vehicles | x | x |
| Newer Vehicle | x | x |
| Occupation | x | x |
| On-Time Payments | x | N/A |
| Paperless Documents | x | x |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Safe Driver | N/A | x |
| Senior Driver | x | x |
| Switching Provider | N/A | x |
| Utility Vehicle | x | x |
| Vehicle Recovery | x | x |
| VIN Etching | N/A | x |
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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.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
|
Written by
Laura Berry |
|
Reviewed by
Melanie Musson
|