Allstate vs. State Farm Car Insurance for 2021
Comparing Allstate vs. State Farm car insurance will show you more than which company is cheaper. On average, Allstate auto insurance is $136 more than State Farm. However, State Farm insurance has fewer opportunities to bundle policies. You can secure cheap Allstate vs. State Farm car insurance quotes by shopping around and comparing coverage options.
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UPDATED: Apr 30, 2021
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- 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.
|Age, Gender, and Marital Status||Allstate Average Monthly Car Insurance Rates||State 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|
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.
|Credit Score Summary||Allstate Average Monthly Car Insurance Rates||State 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|
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.
|Driving Record Summary||Allstate Average Monthly Car Insurance Rates||State 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|
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 Car Insurance Coverages||State Farm Car Insurance Coverages|
|Collision coverage||Collision Coverage|
|Comprehensive coverage||Comprehensive Coverage|
|Bodily Injury Liability||Liability Coverage|
|Property Damage Liability||Car Rental and Travel Expenses Coverage|
|Uninsured & Underinsured Motorist Coverage||Uninsured & Underinsured Motorist Coverage|
|Rental Reimbursement Coverage||Medical Payments Coverage|
|Personal Umbrella Policy||Emergency Roadside Assistance|
|Personal Injury Protection||Rideshare Driver Coverage|
|Sound System Insurance|
|Classic Auto Insurance|
|Travel Auto Insurance to Mexico|
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.
|Car Insurance Discount Name||Allstate Discount Values||State Farm Discount Values|
|Anti-lock Brake Discount||10%||20%|
|Anti-Theft Device Discount||10%||15%|
|Claims Free Renewal Discount||N/A||Varies|
|Daytime Running Lights Discount||N/A||Varies|
|Defensive Driver Discount||20%||5%|
|Driving Habits Discount||N/A||30%|
|Driving training discount||Varies||Varies|
|Early Quote Discount||10%||N/A|
|Farm Vehicle Discount||10%||N/A|
|Good Credit Discount||N/A||80%|
|Good Driver Discount||10%||25%|
|Good Payer Discount||5%||N/A|
|Good Student Discount||10%||25%|
|Home Owner Discount||N/A||Varies|
|Low Mileage Discount||10%||10%|
|Mature driver discount||N/A||Varies|
|Multiple Policy Discount||10%||17%|
|Multiple Vehicle Discount||10%||20%|
|New Car Discount||15%||40%|
|Paid in full discount||10%||N/A|
|Paperless documents discount||Varies||N/A|
|Passive Restraint Discount||10%||40%|
|Preferred payment discount||5%||N/A|
|Senior Adult Discount||5%||Varies|
|Student Away at School Discount||5%||Varies|
|Utility Vehicle Discount||Varies||N/A|
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.
|Insurance Types||Allstate Availability||State Farm Availability|
|Travel Trailer Insurance||✔||✘|
|Mobile Home Insurance||✔||✔|
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.
|Agencies||Allstate Ratings||State Farm Ratings|
|AM Best||A+ (Excellent)||A++ (Superior)|
|Better Business Bureau (BBB)||A+||A+|
|Moody's||A3 (Good)||Aa1 (Excellent)|
|S&P||AA- (Very Good)||AA (Excellent)|
|NAIC Complaint Index||0.41||0.98|
|J.D. Power - Power Circle Ratings||About Average||Better Than Most|
|Apple App Store (iOS)||5 stars||3 stars|
|Google Play Store (Android)||4 stars||4 stars|
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.