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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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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.
Farmers and Allstate are two of the largest auto insurers in the country.[1] Both use agent networks and offer a wide range of discounts, but each insurer stands out in different ways.
Allstate offers strong rate protection against post-accident rate increases thanks to its tiered accident forgiveness options. Farmers focuses on protecting your vehicle with its new car replacement coverage.
When comparing insurance companies, the decision comes down to your priorities. Let’s walk through pricing for different driver types, coverage options, and customer reviews to uncover the best car insurance company for you.
Farmers and Allstate earn similar claims satisfaction scores from J.D. Power, indicating comparable claims experiences.[2]
Though Farmers offers a longer list of available insurance discounts, Allstate offers larger savings for bundling auto and home insurance, which can add up for homeowners.
Farmers stands out for policy customization and add-on coverage options, making it a strong choice for drivers who want more control over their coverage.
| User Reviews | 3.4 |
|---|---|
| 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. | $76/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. | $143/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 offers excellent digital tools and a larger bundling discount than Farmers, which can save you up to 25% on your insurance bill. The company also offers accident forgiveness through its gold and platinum protection plans. While Farmers forgives one accident every three years, Allstate will forgive multiple accidents without increasing rates if you have its platinum plan.
Allstate doesn’t offer as many customization options as Farmers, but you can still add extras like roadside assistance for emergencies and optional protection for unexpected vehicle repairs.
Strong digital tools and app[3]
Larger bundling discount
Tiered accident forgiveness options
Below-average claims satisfaction
Fewer customization options
Drivewise may increase premiums
| User Reviews | 4.0 |
|---|---|
| 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. | 4.3 /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. | $111/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. | $211/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers gives you plenty of options to personalize your auto insurance coverage. It offers protections you won’t find at Allstate, like original equipment manufacturer (OEM) parts, new car replacement, and coverage for customized equipment.
Though Farmers doesn’t score as well as Allstate for digital features, it offers more ways to save on your overall insurance costs. Signal, Farmers telematics program, can reduce your premiums for safe driving. It also includes a CrashAssist feature that can alert emergency services after an accident.
More add-on coverage options
CrashAssist safety feature
Wider range of discounts
Limited accident forgiveness
Smaller bundling discounts
Weaker digital experience than Allstate
Choosing a car insurance company isn’t just about the cheapest price. You should also consider how easy it is to manage your policy, what happens when you file a claim, and whether the coverage options you want are available.
Here’s how Allstate and Farmers compare across several key categories, according to Compare.com data.
Category  | Allstate | Farmers |
|---|---|---|
| Cost | 5/5 | 3.3/5 |
| Customer satisfaction | 3.7/5 | 3.7/5 |
| Policy management | 4.8/5 | 4.8/5 |
| Availability | 5/5 | 4.7/5 |
| Industry reputation | 4.7/5 | 3.7/5 |
| Overall Score | 4.93/5 | 4.28/5 |
Allstate Insurance has a higher overall score, driven largely by stronger cost and availability. While this suggests Allstate is cheaper on average, personal rates vary by driver and location.
Allstate also comes out ahead on industry reputation, even though both insurers receive a notable number of complaints compared to some competitors, according to the National Association of Insurance Commissioners. Farmers ties with Allstate for customer satisfaction and policy management, indicating similar experiences in those areas.
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 proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Auto insurance companies consider dozens of risk factors, including your age, driving record, and the type of car you drive. Each company weighs variables a little bit differently. That’s why comparing car insurance quotes is one of the best ways to get a better deal.
You should also check the rates for drivers with similar profiles to yours. This can give you an idea of what you’ll pay.
Location plays a major role in determining how much you’ll pay. Factors like traffic patterns and weather-related claims from hail and wind vary by area. And while most states allow insurers to consider your credit history, some states restrict or ban this practice altogether.
The table below compares the cost of full coverage for different driver profiles from Allstate and Farmers with the industry average, according to Compare.com data.
Driver Type | Allstate | Farmers | Industry Average |
|---|---|---|---|
| All drivers | $143 | $211 | $172 |
| Teens | $306 | $456 | $328 |
| Seniors | $109 | $153 | $148 |
| Recent ticket | $193 | $276 | $222 |
| Recent accident | $194 | $283 | $230 |
| DUI conviction | $209 | $309 | $252 |
| Poor credit | $173 | $256 | $209 |
Get quotes from top companies and find the right coverage.
In addition to traffic and weather patterns influencing prices, states also set different rules about how much coverage you need. For example, New Hampshire doesn’t require drivers to have auto insurance. But drivers must be able to prove financial responsibility after an accident.[4]
In Oregon, you have to buy bodily injury liability, property damage, personal injury protection, and uninsured/underinsured motorist (UM/UIM) coverage to legally drive.[5]
Some states also require no-fault coverage, which can significantly affect your premium. With no-fault insurance, your insurance pays your medical bills after an accident, even if the other driver caused it.[6]
Let’s take a look at how premiums for Allstate and Farmers differ by state, according to Compare.com data.
State | Farmers | Allstate |
|---|---|---|
| Alabama | $176 | $103 |
| Alaska | N/A | N/A |
| Arizona | $269 | $221 |
| Arkansas | $201 | $199 |
| California | $263 | $255 |
| Colorado | $323 | $191 |
| Connecticut | N/A | N/A |
| Delaware | N/A | N/A |
| Florida | N/A | N/A |
| Georgia | N/A | N/A |
| Hawaii | N/A | N/A |
| Idaho | N/A | N/A |
| Illinois | $214 | $224 |
| Indiana | $176 | $200 |
| Iowa | $111 | $97 |
| Kansas | $222 | $183 |
| Kentucky | N/A | N/A |
| Louisiana | N/A | N/A |
| Maine | N/A | N/A |
| Maryland | N/A | N/A |
| Massachusetts | N/A | N/A |
| Michigan | N/A | N/A |
| Minnesota | $279 | $200 |
| Mississippi | N/A | N/A |
| Missouri | N/A | N/A |
| Montana | $127 | $139 |
| Nebraska | $234 | $137 |
| Nevada | $307 | $197 |
| New Hampshire | N/A | N/A |
| New Jersey | N/A | N/A |
| New Mexico | $263 | $220 |
| New York | N/A | N/A |
| North Carolina | N/A | N/A |
| North Dakota | $90 | $96 |
| Ohio | $184 | $166 |
| Oklahoma | $157 | $102 |
| Oregon | $214 | $181 |
| Pennsylvania | N/A | N/A |
| Rhode Island | N/A | N/A |
| South Carolina | N/A | N/A |
| South Dakota | $98 | $145 |
| Tennessee | $195 | $180 |
| Texas | N/A | N/A |
| Utah | $212 | $164 |
| Vermont | N/A | N/A |
| Virginia | N/A | N/A |
| Washington | $201 | $152 |
| Washington D.C. | N/A | N/A |
| West Virginia | N/A | N/A |
| Wisconsin | $129 | $188 |
| Wyoming | $83 | $92 |
Allstate and Farmers both offer the core car insurance coverage most drivers need. As for optional coverages, you’ll notice a slight difference. Below is a side-by-side look at the available coverages from each company, according to our research.
Coverage Type | Allstate | Farmers |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| UM/UIM | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Accident forgiveness | ✔ | ✔ |
| Mechanical breakdown | ✔ | |
| Rideshare endorsement | ✔ | ✔ |
| Vanishing deductibles | ✔ | |
| New car replacement | ✔ | |
| Pet injury |
Allstate’s Deductible Rewards function as a vanishing deductible — something Farmers doesn’t have. The company also provides optional protection for unexpected vehicle repairs through separate plans. But Farmers has the advantage for new car owners. Its new car replacement can help get you into a new vehicle if the company declares your car a total loss.
The companies also differ in how accident coverage works. Farmers forgives one at-fault accident every three years. But Allstate gives you the option to upgrade your protection to a platinum plan, which can keep your car insurance rates from going up after a crash.
Insurance discounts are a helpful way to lower your car insurance premiums for behaviours that make you less risky to insure. Companies typically offer savings for remaining accident-free and for paying your policy in full up front. Vehicles with safety features and anti-theft devices can also qualify you for discounts.
Below, you’ll see a breakdown of the insurance discounts you’ll find with Allstate and Farmers based on the available information on each company’s website.
Discount Type | Allstate | Farmers |
|---|---|---|
| Affinity | ✔ | |
| Anti-theft | ✔ | ✔ |
| Automatic payments | ✔ | ✔ |
| Customer loyalty | ✔ | |
| Good student | ✔ | ✔ |
| Homeowner | ✔ | |
| Low-mileage | ✔ | |
| Military | ✔ | |
| Multi-policy | ✔ | ✔ |
| Paperless billing | ✔ | ✔ |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✔ | |
| Student away at school | ✔ | ✔ |
| Usage-based/telematics | ✔ | ✔ |
| Shared family car | ✔ |
Farmers comes out ahead for the total number of available discounts, with 14 ways to save compared to Allstate’s 11. If you drive fewer miles throughout the year, Allstate’s low-mileage discount can help cut your rates. Meanwhile, Farmers offers savings for loyalty, being a homeowner, military affiliation, and sharing a family car.
Metrics like average car insurance prices and industry satisfaction scores tell you part of the story. Customer reviews and complaints give more insight into what it’s like to actually work with a company.
Reading feedback from real Allstate and Farmers customers can help you understand how responsive insurance agents are and whether the claims process is straightforward or frustrating.
Below are real reviews from recent Compare.com customers who’ve worked with each company.
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Usage-based insurance uses your actual driving behavior to determine your car insurance rates. Some companies track your driving with a device that plugs into your car, while others rely on smartphone apps. At both Allstate and Farmers, participation in these programs is optional and can help lower your rates if you drive safely.
Allstate’s Drivewise and Farmers’ Signal track how you drive through a mobile app. Safe driving habits — such as watching your speed, braking gently, avoiding late-night driving, and refraining from using your phone — can affect potential discounts.
Drivers typically get a discount just for signing up. Then you can qualify for additional savings if you keep using it. But keep in mind that program terms can vary, and unsafe driving habits can raise your rates.
Compare quotes from 100+ top insurance companies and save money in seconds.
If you’re still deciding between Allstate Insurance and Farmers, here are answers to some common questions about both insurers.
The better insurance company depends on your needs. Allstate stands out for its digital tools, which may be a better choice if you prefer hands-on policy management. Farmers, on the other hand, offers more customization options and more policy discounts.
No single car insurance company is best for everyone. Ultimately, the right choice depends on factors such as location, driving record, the type of car you drive, and the discounts you qualify for. Getting quotes and comparing companies side by side is the only way to know which is best for you.
Allstate tends to offer cheaper premiums than Farmers, but rates vary depending on the driver and other factors. The only way to know for sure if you’re getting the lowest rate is to compare quotes from both companies.
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.
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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.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
