Allstate vs. State Farm: Who Is Better For Me?

According to MoneyGeek's sample quotes, State Farm's yearly premiums are more affordable than Allstate's for most drivers. State Farm is the stronger choice for most drivers. It earns a MoneyGeek score of 4.6/5 and ranks #1 overall, while Allstate also earns 4.6/5 but ranks #5, reflecting State Farm's higher affordability score (4.2/5 vs. 3.9/5).

State Farm is cheaper for drivers with good or excellent credit across every age group. Adults with a clean record pay $1,449 per year with State Farm versus $1,945 with Allstate, a $496 difference. Young drivers save $1,143 per year and seniors save $850.

Poor credit tells a different story. Allstate averages $3,748 per year for full coverage versus State Farm's $7,102, a $3,354 gap in Allstate's favor. If your credit is poor, Allstate is the clear choice between these two. See MoneyGeek's guide to car insurance for drivers with bad credit for more options.

State Farm is cheaper across every good-credit profile. The gap starts at $496 per year for a clean record and widens with each violation — $710 after a speeding ticket, $1,109 after an at-fault accident and $1,314 after a DUI. For high-risk drivers with good credit, State Farm is the lower-cost option in every scenario we analyzed.

Allstate's bundle discount is stronger for homeowners: Allstate offers up to 17% off when bundling home and auto, while State Farm's bundle savings are lower on average. Allstate's Drivewise telematics program also has a no-penalty structure. Your rates won't increase based on monitored driving, making it lower-risk to try. State Farm's Drive Safe & Save program can save money but does factor in driving behavior both positively and negatively.

State Farm earns a 3.1/5 customer experience score in MoneyGeek's analysis, while Allstate earns 3.0/5, both based on J.D. Power satisfaction scores and NAIC complaint data. The service model differs: State Farm operates through nearly 19,000 local agents nationwide, while Allstate's roughly 10,000 exclusive agents provide in-person support in most markets. 

State Farm's NAIC complaint index is below the national average, reflecting fewer complaints relative to its market size. Allstate's complaint index is slightly higher. Both companies allow 24/7 claims filing online, through mobile apps or by phone. State Farm's larger agent network gives it a slight structural edge in in-person service, though Allstate's agents are well distributed nationwide.

Both companies offer comparable digital experiences. State Farm's mobile app lets policyholders file claims, request roadside assistance, pay bills and access digital ID cards. Allstate's app includes similar functionality plus Drivewise tracking built in. Allstate's online quote tool is available directly without requiring agent contact, and its website includes robust educational content on coverages and claims.
Both companies allow 24/7 claims filing online, through mobile apps or by phone. State Farm's agent network is larger, giving it more in-person touchpoints nationwide. For drivers who prefer fully digital insurance management, both companies are capable; the difference is marginal.

Both companies offer liability, collision, comprehensive, MedPay, PIP (where required), rental reimbursement, and roadside assistance. Allstate leads in specialty coverage with new car replacement for eligible vehicles, Deductible Rewards, and coverage for portable electronics and installed sound systems. State Farm offers pet injury coverage that pays vet bills if your pet is injured in a crash, an unusual add-on that Allstate doesn't match.

Data on car insurance rates comparing Allstate and State Farm are for a 40-year-old male with a full coverage car insurance policy, unless otherwise noted. The policy includes:

• $100,000 on bodily injury liability insurance per person
• $300,000 on bodily injury liability insurance per accident
• $100,000 on property damage liability insurance per person
• Comprehensive and collision insurance with a $1,000 deductible

To evaluate available coverages, discounts and online tools, MoneyGeek collected information from insurer websites and quote tools in accordance with our strict methodology. To score insurance companies on customer satisfaction and customer complaints, MoneyGeek referenced publicly available data from J.D. Power and the National Association of Insurance Commissioners (NAIC). Financial stability was measured using A.M. Best financial strength ratings. Rate data is sourced from MoneyGeek's database of 2.4 million quotes.