D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 2, 2021

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Just the Basics

  • On average, Farmers car insurance is $195 cheaper than Allstate car insurance
  • Allstate Insurance and Farmers Insurance reviews age when determining car insurance
  • Farmers insurance discounts outnumber Allstate insurance discounts, but Allstate is more transparent with savings

You’ve shopped around for car insurance, and your search led you to compare Allstate vs. Farmers car insurance quotes.

Don’t worry – we’re to help you through the next step of buying an insurance policy with a short car insurance guide.

In this Allstate vs. Farmers car insurance review, we’ll show you what to expect from a Farmers and Allstate quote, what discounts are available, third-party ratings, and other details to help you find cheap car insurance.

Comparing car insurance is critical to budgeting. If you’re unsure about getting a deal from the Allstate vs. Farmers car insurance comparison, use our free online quote tool to compare multiple companies in your local area.

Allstate vs. Farmers car insurance rates: Which company is the cheapest?

Allstate and Farmers are some of the most popular car insurance companies that offer competitive insurance prices across most of the US. However, Allstate accounts for about twice as much the market.  Rates can vary based on driving history, age, and location.

The cheapest company between Allstate and Farmers is Farmers. Allstate has an average monthly rate of $407, but Farmers’ average for car insurance is $212 per month.

Despite Farmers’ low prices, Allstate has a more significant market share, and it earns more money from premiums than Farmers Insurance.

Although the average rates are a great place to start, your rates could vary based on factors that affect the price of car insurance.

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Which company is cheapest based on age, gender, and marital status?

Before we reveal the average monthly rates based on these three factors, let’s explain why car insurance looks at these factors to determine insurance.

Age can explain the experience of the driver. Meanwhile, gender and marital status determine the risk of getting into an accident.

When you combine these elements, you can get a reliable quote. Let’s see how Allstate and Farmers compare.

Allstate vs. Farmers Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Car Insurance RatesFarmers Monthly Car Insurance Rates
Married 35-year-old female$263$213
Married 35-year-old male$260$213
Married 60-year-old female$243$195
Married 60-year-old male$249$204
Single 17-year-old female$774$710
Single 17-year-old male$887$762
Single 25-year-old female$285$246
Single 25-year-old male$298$253
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Married drivers between 35 and 60 years old pay the least for car insurance at Allstate and Farmers. However, teen drivers pay the most due to their inexperience. Overall, Farmers car insurance has more affordable rates.

Which company is the cheapest based on credit scores?

Did you know you can save money on car insurance for having good credit? According to Experian, auto insurance companies provide less expensive rates when you have a good credit score.

What about people who have fair or poor credit? Let’s examine how Allstate and Farmers respond to credit levels.

Allstate vs. Farmers Car Insurance Rates by Credit Scores
Credit Score SummaryAllstate Monthly Car Insurance RatesFarmers Monthly Car Insurance Rates
Good Credit (670-739)$322$306
Fair Credit Score (580-669)$382$325
Poor Credit Score (300-579)$541$405
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As expected, customers with good credit at companies have the most affordable rates. However, consumers with poor credit have the most expensive rates.

Although Allstate is more expensive, Farmers auto insurance rates based on credit aren’t far from the pricey side. Farmers offer slightly better prices than Allstate for drivers with bad credit scores.

Which company is the cheapest based on driving records?

A clean driving record is a sure way to cheap car insurance. When you have traffic violations on your driving record, it drives up your policy cost. Accidents and DUIs can increase it even more.

Let’s compare Allstate vs. Farmers auto insurance rates based on your driving record below.

Allstate vs. Farmers Car Insurance Rates by Driving Records
Driving Record SummaryAllstate Monthly Car Insurance RatesFarmers Monthly Car Insurance Rates
Clean Driving Record$318$288
With 1 Speeding Violation$374$340
With 1 Accident$416$377
With 1 DUI$522$393
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Although Farmers is cheaper, Allstate costs are pretty close. Both companies are harsh on DUI conviction since it carries the highest auto insurance rate than all other violations.

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What car insurance discounts do Allstate and Farmers have?

When a Farmers or Allstate auto insurance quote looks like it’s going to be expensive, it’s time to lean on bargains. So who has more to offer?

Farmers Insurance Company carries 34 discounts for its car insurance program, but Allstate has 29 available discounts.

Allstate provides more transparency on how much you’ll save per year, but Farmers has different conditions on savings.

Both car insurance companies provide vehicle discounts for cars that have anti-theft and safety features.

You can even get a discount for paperless billing. Access your my Allstate account or Farmers login and pay your car insurance premium online. This will probably shave off two percent on your overall policy.

Allstate vs. Farmers car insurance: Which company provides more car insurance coverage options?

Sometimes you’ll need more than just bodily injury liability coverage and property damage liability coverage. An insurance company that provides more than the bare necessities is very flexible and serves a broader range of consumers.

So which company has more versatility? Is it Farmers or Allstate? Let’s compare.

Comparing Allstate vs. Farmers Car Insurance Coverages
Allstate Car Insurance CoveragesFarmers Car Insurance Coverages
Collision coverageLiability
Comprehensive coverageCollision
Bodily Injury LiabilityComprehensive
Property Damage LiabilityUninsured / Underinsured Motorist
Uninsured & Underinsured Motorist CoverageMedical Payments
Rental Reimbursement CoveragePersonal Injury Protection (PIP)
Personal Umbrella PolicyTowing and roadside service
Personal Injury ProtectionRental Car Reimbursement
Sound System InsuranceRideshare
Roadside AssistanceLoss of Use
Classic Car InsuranceGuaranteed Value™
Travel Car Insurance to MexicoCustomized Equipment
Personal Umbrella
Glass Deductible Buyback
Full Windshield and Glass Coverage
Spare Parts Coverage
Original Equipment Manufacturer (OEM)
New Car Replacement Coverage
Accident Forgiveness
Classic/Antique Car Coverage
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Farmers have a few extra coverage options that Allstate doesn’t have. Both companies do have the essentials, including emergency roadside assistance.

You can access emergency roadside by using Allstate or Farmers roadside assistance phone number.

Additionally, Allstate provides a car tracking program called Allstate Drivewise. The program qualifies policyholders for a discounted car insurance rate based on their driving behavior. Customers can earn 5 percent cash back for downloading the Drivewise program and save up to 13 percent every six months.

Allstate vs. Farmers Car Insurance: What do consumers and rating agencies say about Allstate and Farmers?

Before buying Allstate of Farmers car insurance, you should look at what rating agencies and customers are saying about the company.

We’ve compiled a scorecard that summarizes the ratings of both companies. Let’s take a look.

Comparing Allstate and Farmers Financial Strength and Customer Satisfaction Ratings
AgenciesAllstate RatingsFarmers Ratings
AM BestA+A
Better Business Bureau (BBB)A+A+
Moody'sA3A2
S&PAA-A
NAIC Complaint Index0.411.08
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8889
Apple App Store (iOS)5 stars5 stars
Google Play Store (Android)4 stars4 stars
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The A.M. Best, Moody’s, and S&P scores show the company’s financial strength and credit rating.

Allstate wins when it comes to financial strength at A.M. Best. Moody’s grades Farmers as a company with a better credit rating, but S&P’s scores agree with A.M Best’s interpretation.

The BBB, NAIC Complaint Index, Consumer Reports, and J.D. Power report on customer satisfaction reviews and consumer complaint data. Based on ratings, it’s a stalemate between Allstate and Farmers.

Both companies have the same BBB rating. Allstate has a lower average rate of complaints under NAIC’s complaint data. Farmers scored better with Consumer Reports, and both companies scored about average on J.D. Power’s U.S. auto insurance study.

Allstate and Farmers even have the same ratings under the most popular mobile app stores.

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Allstate vs. Farmers car insurance: What’s the bottom line?

Allstate car insurance rates are more expensive than Farmers, but it has a lower than average complaint rate. However, Farmers have lower prices, more coverage options, and more opportunities to save.

Although these sample rates are close to what you can pay, your rates will vary.

Why stop at Allstate vs. Farmers car insurance quotes? Enter your ZIP code in the free comparison tool below to compare the best companies near you and save on car insurance today.