+120 more)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
State Farm and Allstate are two of America’s biggest car insurance companies, but they take different approaches to serving drivers.
State Farm focuses on customer service and affordable rates, earning the top spot in our list of auto insurance companies. But Allstate isn’t far behind. It emphasizes technology and comprehensive coverage options, which help boost it near the top of our rankings
Both companies offer nationwide coverage and solid financial strength, making either a reliable choice depending on your priorities.
We’ll tell you everything you need to know about how Allstate and State Farm compare so you know which insurer is right for you.
State Farm earns higher customer satisfaction scores and offers more competitive rates for most drivers across the country.
Allstate offers more comprehensive coverage options, including rideshare and mechanical breakdown coverage.
Both companies offer telematics programs that can save safe drivers up to 30%.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is the nation’s fourth-largest auto insurer, known for innovative technology and extensive coverage options. The company offers specialized coverages like rideshare and mechanical breakdown insurance. Allstate’s Drivewise telematics program rewards safe driving habits, like braking, speed, and phone use.
Comprehensive coverage options
Advanced digital tools
Telematics program available
Higher average rates
Lower customer satisfaction
Complicated policy management
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm dominates the auto insurance market. The company consistently earns top marks for customer satisfaction and has an A++ (Superior) financial strength rating from AM Best.
State Farm’s Drive Safe & Save program uses a smartphone app to track mileage and driving habits to save you up to 30%. Their rideshare coverage helps bridge gaps between personal auto policies and transportation network company insurance.
Excellent customer service
Competitive rates
Strong financial strength rating
Limited online features
Fewer specialty coverages
Agent availability varies by region
When choosing car insurance, you should consider factors like cost, customer service, policy management options, and financial stability. The table below shows how Allstate and State Farm compare across the key categories we evaluate at Compare.com.
Category  | Allstate | State Farm |
|---|---|---|
| Cost | 4.93 | 5.0 |
| Customer satisfaction | 3.67 | 4.67 |
| Policy management | 4.8 | 4.4 |
| Availability | 5.0 | 5.0 |
| Industry reputation | 4.67 | 5.0 |
| Overall Score | 4.93 | 5.0 |
State Farm outperforms Allstate in customer satisfaction and cost. Allstate has strong policy management, but it lags behind in overall customer experience. Both companies have excellent industry reputations with strong financial ratings and nationwide availability.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Car insurance rates vary significantly based on personal factors like age, location, driving record, and credit history. That’s why comparison shopping is crucial to find the best rate for your situation. Keep in mind that if you finance or lease your vehicle, lenders usually require you to purchase full-coverage insurance to protect their investment.
The table below compares average rates between these two companies and the industry average, based on our data.
Driver Type | Allstate | State Farm | Industry Average |
|---|---|---|---|
| All drivers | $136 | $109 | $177 |
| Teens | $288 | $220 | $339 |
| Seniors | $106 | $79 | $151 |
| Recent ticket | $175 | $135 | $223 |
| Recent accident | $176 | $139 | $232 |
| DUI conviction | $197 | $158 | $257 |
| Poor credit | $165 | $174 | $215 |
Policies start as low as $38 per month.
Insurance rates fluctuate dramatically from state to state due to local factors like accident rates, weather patterns, population density, and insurance regulations. The map below breaks down average rates by state for both companies, based on our data.
State | Allstate | State Farm |
|---|---|---|
| Alabama | $100 | $93 |
| Alaska | $242 | $139 |
| Arizona | $224 | $134 |
| Arkansas | $190 | $85 |
| California | $250 | $279 |
| Colorado | $176 | $114 |
| Connecticut | $360 | $154 |
| Delaware | $391 | $184 |
| Florida | $200 | $115 |
| Georgia | $156 | $143 |
| Hawaii | $283 | $138 |
| Idaho | $138 | $49 |
| Illinois | $211 | $85 |
| Indiana | $192 | $81 |
| Iowa | $91 | $43 |
| Kansas | $176 | $95 |
| Kentucky | $232 | $159 |
| Louisiana | $172 | $106 |
| Maine | $123 | $82 |
| Maryland | $480 | $269 |
| Massachusetts | $277 | $76 |
| Michigan | $${AUTO_CARRIER_ALLSTATE_FULL_STATE_MI_PRICE} | $221 |
| Minnesota | $184 | $88 |
| Mississippi | $119 | $73 |
| Missouri | $156 | $114 |
| Montana | $126 | $63 |
| Nebraska | $126 | $130 |
| Nevada | $172 | $96 |
| New Hampshire | $179 | $96 |
| New Jersey | $596 | $432 |
| New Mexico | $268 | $135 |
| New York | $211 | $201 |
| North Carolina | $122 | $147 |
| North Dakota | $92 | $41 |
| Ohio | $158 | $72 |
| Oklahoma | $109 | $79 |
| Oregon | $188 | $96 |
| Pennsylvania | $136 | $77 |
| Rhode Island | $391 | $160 |
| South Carolina | $180 | $116 |
| South Dakota | $148 | $90 |
| Tennessee | $165 | $90 |
| Texas | $136 | $96 |
| Utah | $157 | $115 |
| Vermont | $111 | $30 |
| Virginia | $215 | $103 |
| Washington | $146 | $111 |
| Washington D.C. | $587 | $298 |
| West Virginia | $201 | $80 |
| Wisconsin | $173 | $61 |
| Wyoming | $88 | $51 |
Auto insurance companies offer different coverages and optional protections to meet the needs of different drivers. While both State Farm and Allstate provide liability and full-coverage insurance, their optional coverages can vary significantly.[1]
Below are the coverages offered by State Farm and Allstate, based on available information.
Coverage Type | Allstate | State Farm |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UM/UIM) | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Accident forgiveness | ✔ | ✔ |
| Mechanical breakdown | ✔ | |
| Rideshare endorsement | ✔ | ✔ |
| Vanishing deductibles | ✔ | |
| New car replacement | ✔ | ✔ |
| Pet injury | ✔ |
Both companies offer various discounts to help you save money. Specific discounts and savings amounts can differ, so check with both insurers to learn what you might qualify for. You can even stack many of these discounts for maximum savings potential.
Here are some of the discounts Allstate and State Farm offer, based on publicly available information.
Discount Type | Allstate | State Farm |
|---|---|---|
| Affinity | ✔ | ✔ |
| Alternative energy | ✔ | |
| Anti-theft | ✔ | ✔ |
| Automatic payments | ✔ | ✔ |
| Customer loyalty | ✔ | ✔ |
| Defensive driver | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Early shopper | ✔ | |
| Federal employee | ✔ | |
| Homeowner | ✔ | |
| Low mileage | ✔ | |
| Military | ✔ | |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ |
| New car | ✔ | ✔ |
| Paperless billing | ✔ | ✔ |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Teacher | ✔ | |
| Usage-based/telematics | ✔ | ✔ |
Customer reviews can give you valuable insight into how customers really feel about an insurance company. Reading recent reviews from actual customers can help you understand what to expect from each company’s service.
The average driver saves up to $867.†
)
Usage-based insurance programs use telematics technology to track driving behaviors and reward safe drivers with lower premiums. These programs can save you money for safe driving habits like avoiding hard braking, limiting nighttime driving, and driving fewer miles annually.
Allstate’s Drivewise program monitors your driving habits, including speed, braking patterns, phone usage, and time of day. You get a discount for enrolling and can save up to 25% for safe driving.
State Farm’s Drive Safe & Save program tracks similar driving behaviors. You also get an enrollment discount and can save up to 30% based on your mileage and driving habits. Low-mileage drivers typically save the most money.
Below are answers to some of the most common questions about how Allstate and State Farm compare.
It depends. State Farm typically works better for drivers who prioritize customer service, affordable rates, and straightforward coverage options. Allstate may suit drivers who want comprehensive coverage choices, digital policy tools, and specialized coverage like rideshare or mechanical breakdown insurance.
It depends. State Farm, GEICO, and Allstate are the top-performing insurers, according to Compare.com Ratings. But there isn’t a “best” insurance company for every driver. The right insurer for you depends on your coverage needs, budget, and preferences.[2] [3]
It depends. Rates can vary based on factors like your location, driving record, age, and coverage needs. That said, State Farm typically offers lower average rates than Allstate.
Our editorial team created this article with the help of highly trained generative artificial intelligence (AI) tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)