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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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Apr 30, 2021

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Just the Basics

  • State Farm is $136 cheaper than Allstate insurance
  • Various factors determine your car insurance rates
  • Allstate is more expensive but offers more coverage options
  • Overall, State Farm has better ratings

Are you trying to decide between Allstate and State Farm car insurance?

Our Allstate vs. State Farm car insurance guide explains how much you’ll spend at both companies, which companies have more coverage options and discounts, and what rating agencies say about Allstate and State Farm.

Before jumping into this Allstate vs. State Farm car insurance review, use our free online quote tool above to compare multiple companies in your local area.

Allstate vs. State Farm: Which car insurance company is cheapest in head-to-head price comparison?

State Farm auto insurance rates are about $272 per month on average, but Allstate auto insurance costs around $408 per month.

While Allstate and State Farm insurance stack up better than companies in various categories, your car insurance rates could vary based on personal factors.

Continue reading to see how factors that affect the price of car insurance influence Allstate vs. State Farm car insurance rates.

Allstate vs. State Farm Car Insurance: Which company is cheapest by age, gender, and marital status?

Age correlates to the driving experience, but gender and marital status focus on the statistical risk of the driver.

Since young, single males take more risks on the road, they’ll likely pay more than the average married driver.

Let examine how State Farm and Allstate respond to auto insurance based on age, gender, and marital status.

Allstate vs. State Farm Average Monthly Car Insurance Rates by Age, Gender, & Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesState Farm Average Monthly Car Insurance Rates
Married 60-year-old female$243$156
Married 60-year-old male$249$156
Married 35-year-old male$260$173
Married 35-year-old female$263$173
Single 25-year-old female$285$195
Single 25-year-old male$298$213
Single 17-year-old female$774$496
Single 17-year-old male$887$610
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Overall, State Farm is cheaper than Allstate insurance. The cost of teen car insurance is more expensive than all other age groups, but parents will save more money through State Farm.

Allstate vs. State Farm Car Insurance: Which company is cheapest by credit score?

The average coverage price is higher because car insurance companies consider your credit score. But why?

Your credit history correlates to risk. That means people with good or excellent credit are less likely to file a claim, but people with fair or poor credit are more likely to file a claim.

So how do Allstate and State Farm estimate cost by credit rating? Let’s compare those results.

Allstate vs. State Farm Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryAllstate Average Monthly Car Insurance RatesState Farm Average Monthly Car Insurance Rates
Fair Credit Score (580-669)$382$238
Good Credit Score (670-739)$322$181
Poor Credit Score (300-579)$541$413
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Allstate car insurance is at least $100 more than State Farm car insurance on all credit score levels. If you’re looking for a more cost-efficient policy, State Farm may be the company that’s best for you.

Allstate vs. State Farm Car Insurance: Which company is cheapest by driving record?

The cost of auto insurance for drivers who have claims, accidents, and DUI convictions is usually higher than average. The best way to secure cheap car insurance rates is through a clean driving record.

Let’s look at how Allstate and State Farm calculate driving infractions.

Allstate vs. State Farm Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryAllstate Average Monthly Car Insurance RatesState Farm Average Monthly Car Insurance Rates
Clean Driving Record$318$235
With 1 Speeding Violation$374$266
With 1 Accident$416$283
With 1 DUI$522$303
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Clean driving records generate the most affordable rates. Once again, State Farm secures the cheaper rate under all driving histories in the list.

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Comparing Allstate and State Farm Car Insurance Coverage Options

Cost-efficiency can save you money, but it doesn’t promise extensive coverage on your policy. The more coverage you have, the more you’ll pay for auto insurance.

But which company has more options? Let’s review below to find the most affordable Allstate vs. State Farm car insurance.

Allstate vs. State Farm Car Insurance Coverages Offered
Allstate Car Insurance CoveragesState Farm Car Insurance Coverages
Collision coverageCollision Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityLiability Coverage
Property Damage LiabilityCar Rental and Travel Expenses Coverage
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
Rental Reimbursement CoverageMedical Payments Coverage
Personal Umbrella PolicyEmergency Roadside Assistance
Personal Injury ProtectionRideshare Driver Coverage
Sound System Insurance
Roadside Assistance
Classic Auto Insurance
Travel Auto Insurance to Mexico
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One of the key benefits at State Farm is its cheap premiums, but Allstate auto insurance provides a more notable advantage concerning coverage options.

Optional coverage can fill in the gaps in car insurance that are missed. Therefore, Allstate may be a better choice if you need a more versatile policy.

Comparing Allstate and State Farm Car Insurance Discounts

Sometimes it’s a complete mystery how the insurers compare, but auto insurance discounts can bring policy increases to a screeching halt.

Which car insurance company provides more opportunities to save money? Let’s compare State Farm and Allstate’s discount list.

Allstate vs. State Farm Special and Standard Car Insurance Discounts
Car Insurance Discount NameAllstate Discount ValuesState Farm Discount Values
Accident Forgiveness30%N/A
Accident-Free DiscountN/A15%
Anti-lock Brake Discount10%20%
Anti-Theft Device Discount10%15%
Claims Free Renewal DiscountN/AVaries
Daytime Running Lights DiscountN/AVaries
Deductible discountVariesN/A
Defensive Driver Discount20%5%
Driving Habits DiscountN/A30%
Driving training discountVariesVaries
Early Quote Discount10%N/A
E-billing Discount10%N/A
EV/Hybrid Discount10%N/A
Family DiscountVariesN/A
Farm Vehicle Discount10%N/A
Good Credit DiscountN/A80%
Good Driver Discount10%25%
Good Payer Discount5%N/A
Good Student Discount10%25%
Home Owner DiscountN/AVaries
Low Mileage Discount10%10%
Loyalty DiscountN/AVaries
Mature driver discountN/AVaries
Military DiscountN/AVaries
Multiple Policy Discount10%17%
Multiple Vehicle Discount10%20%
New Car Discount15%40%
Paid in full discount10%N/A
Paperless documents discountVariesN/A
Passive Restraint Discount10%40%
Preferred payment discount5%N/A
Prepay Discount10%N/A
Senior Adult Discount5%Varies
Student Away at School Discount5%Varies
teenSMART Discount35%15%
Travelink DiscountN/AVaries
Utility Vehicle DiscountVariesN/A
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Allstate wins the discount face-off by providing more discounts than State Farm. State Farm is less expensive, but an Allstate customer with enough deals could pay less than State Farm’s average monthly rate.

How does bundling save money at Allstate and State Farm?

Were you interested in comparing Allstate vs. State Farm homeowners insurance? Or maybe you want to see how Allstate vs. State Farm life insurance quotes look.

If you’re looking for more than car insurance, Allstate and State Farm have other insurance products you can choose from. Let’s compare both companies.

Allstate vs. State Farm Insurance Products
Insurance TypesAllstate AvailabilityState Farm Availability
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
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Bundling allows you to add another insurance product to your insurance bill. Based on the list, Allstate provides more opportunities for you to bundle with your car insurance policy.

Allstate vs. State Farm: Which car insurance company has the better financial strength and customer complaint ratings?

Google searches are packed with frequently asked questions about Allstate and State Farm ratings. Don’t worry – we’ve compiled the most reliable agencies and their most recent ratings of both companies.

Allstate vs. State Farm Ratings
AgenciesAllstate RatingsState Farm Ratings
AM BestA+ (Excellent)A++ (Superior)
Better Business Bureau (BBB)A+A+
Moody'sA3 (Good)Aa1 (Excellent)
S&PAA- (Very Good)AA (Excellent)
NAIC Complaint Index0.410.98
J.D. Power - Power Circle RatingsAbout AverageBetter Than Most
Consumer Reports8889
Apple App Store (iOS)5 stars3 stars
Google Play Store (Android)4 stars4 stars
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A.M. Best, Moody’s, and S&P focus on the financial strength and credit ratings. So fat, State Farm has a more stable financial outlook and low investment risk.

The BBB, NAIC, J.D. Power, and Consumer Reports show customer feedback scores – which State Farm performs better overall.

However, Allstate has a lower complaint ratio under the National Association of Insurance Commissioners (NAIC).

Allstate also wins the mobile app race under Apple iOS, but State Farm and Allstate have the same Android mobile app rating.

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Allstate vs. State Farm Car Insurance: What’s the bottom line?

Should you buy Allstate vs. State Farm car insurance? State Farm auto insurance is less expensive and carries better financial strength and credit ratings. However, Allstate has more coverage options and discounts.

Think about the factors that may affect your car insurance policy. Your situation is different from the average person. Therefore, you should pick the company that works best for you.

Now that you’ve finished this Allstate vs. State Farm car insurance review, enter your ZIP code in the free comparison tool below to compare the best companies near you.