Allstate vs. Georgia Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• In general, Georgia Farm Bureau offers significantly cheaper rates than Allstate
• Allstate may help you save more money -- they offer more discounts than Georgia Farm Bureau Insurance
• Georgia Farm Bureau offers more affordable average premiums for policyholders who drive fewer than 6,000 miles every year

Allstate or Georgia Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might have narrowed your search down to Allstate or Georgia Farm Bureau for your next policy, but which one will offer you less expensive prices?

Looking at nationwide averages, Georgia Farm Bureau has average rates that are around 30% a month more affordable than those from Allstate.

But that doesn't necessarily mean Georgia Farm Bureau will be the cheaper option for every single driver. Insurance carriers use a variety of complex algorithms to determine rates, so depending on how old you are or how clean your driving record is (among a lot of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Allstate or Georgia Farm Bureau is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Allstate vs. Georgia Farm Bureau: Average Car Insurance Rates by State

Allstate and Georgia Farm Bureau only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average premiums. Georgia Farm Bureau drivers tend to pay about $53 per month less on average compared to drivers who use Allstate for their car insurance.

That being said, there's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 40% less a month by choosing Georgia Farm Bureau over Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Georgia Farm Bureau's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both companies will reduce rates once you turn 25. For example, average prices for Allstate policyholders decrease about $300 and Georgia Farm Bureau's premiums lower nearly $150 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable auto insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

When looking at Allstate and Georgia Farm Bureau specifically, which carrier is best for retired drivers? Georgia Farm Bureau gets the edge, with rates for drivers 65 and older $35 less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married policyholders. That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Georgia Farm Bureau rates coming in at around 30% less than Allstate's. For married couples, the advantage is clear again - Georgia Farm Bureau has the edge when it comes to average premiums.

Allstate or Georgia Farm Bureau: Average Rates by Gender

Because women are less likely to get into accidents and get tickets, they are less likely to file a claim with insurance. So, women tend to pay less for auto insurance than men.

On average, men see prices about $10 per month higher with Allstate, and around $2 with Georgia Farm Bureau.

When it comes to the lowest rates for each gender, Georgia Farm Bureau comes out on top for both men and women, with average premiums 29% less for men and 26% cheaper for women.

Allstate vs. Georgia Farm Bureau: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance can be a complicated subject for most people. There are a range of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

However, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, Georgia Farm Bureau has the edge, with average monthly prices coming in at $91. If you want a full coverage policy with the same state minimum limits, Georgia Farm Bureau again has the edge, with policies averaging about $197 a month to Allstate's $289.

Is Allstate or Georgia Farm Bureau Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher rates, but which company -- Allstate or Georgia Farm Bureau -- has the cheapest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Georgia Farm Bureau insurance policies don't report seeing their premiums increase after getting a ticket, but Allstate policyholders can expect to see their monthly bill increase by.

That being said, Georgia Farm Bureau has more affordable prices for drivers in both categories -- their rates are around 27% cheaper for drivers with clean records and 38% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault collision with Allstate climbing by around 32%. Georgia Farm Bureau has a less extreme increase, but you can still expect to pay nearly 15% more than you were prior to your first accident.

At the end of the day, drivers who use Georgia Farm Bureau end up with the cheaper prices after an accident, with average rates coming in at $133 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than a collision or speeding ticket. For example, Georgia Farm Bureau increases average premiums by more than $100 per month -- that's more than a 45% increase.

Georgia Farm Bureau has the overall lowest rates for drivers with a DUI on their records at $216 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Georgia Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Georgia Farm Bureau Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, are two states that ban the practice entirely), but it will come into play for many drivers.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the cheapest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Georgia Farm Bureau will generally reward you the most. For drivers with "excellent" credit scores, Georgia Farm Bureau comes in over 45.52 cheaper. Drivers with "good" credit scores usually save about 31% with Georgia Farm Bureau compared to average premiums from Allstate.

Which Company is Best for Drivers with Bad Credit?

Georgia Farm Bureau typically offers lower prices than Allstate when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 21% a month less with Georgia Farm Bureau compared to Allstate, and those with "poor" scores normally save an average of about 21% a month.

Is Allstate or Georgia Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance cost. Generally, those who drive less will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Georgia Farm Bureau charges. However, there's a small difference in monthly prices for Allstate, with policyholders who drive 6,000 miles annually paying around $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Georgia Farm Bureau is the less expensive company.

Allstate or Georgia Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a pretty big role in how much you pay for car insurance. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more cars on the roads where they live.

When comparing these two carriers side-by-side, Georgia Farm Bureau normally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $38 with Georgia Farm Bureau compared to Allstate. People who live in suburban areas pay around $53 less with Georgia Farm Bureau compared to Allstate. For policyholders in urban ZIP codes, Georgia Farm Bureau Insurance's average premiums are about $72 less than Allstate.

Allstate vs. Georgia Farm Bureau Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Allstate and Georgia Farm Bureau offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Allstate blows Georgia Farm Bureau away when it comes to the sheer amount of discounts available, offering 29 more discounts than Georgia Farm Bureau.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and multi-policy discounts -- but Allstate also offers discounts for advance quote, agency transfer, alert driving, and more.

Georgia Farm Bureau's discounts come through just a few categories, including ABS, Anti-Theft, Defensive Driver, and more.

Final Thoughts: Is Allstate or Georgia Farm Bureau Best for You?

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best company for you and your specific needs?

Georgia Farm Bureau might be best for you if....

• You will be the only person on the auto insurance policy.
• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing insurance for a teenager.

Allstate might be best for you if...

• You're thinking about moving to another state -- Georgia Farm Bureau Insurance is only available in GA.
• You're looking for discounts -- Allstate has the most.

Hopefully, this guide helps you get a good idea of the differences between Allstate and Georgia Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Allstate and Georgia Farm Bureau. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Allstate vs. Georgia Farm Bureau FAQs

Is Allstate or Georgia Farm Bureau cheaper?

Georgia Farm Bureau is the cheaper of the two carriers when looking at national average premiums, with policies averaging $144 per month with Georgia Farm Bureau and $199 for Allstate. Even so, that doesn't mean Georgia Farm Bureau will be the most affordable carrier for each policyholder, since there are a bunch of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Georgia Farm Bureau?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for every policyholder -- it all depends on what your unique auto insurance profile looks like.

Why do Allstate and Georgia Farm Bureau offer me different rates?

Insurance companies use quite a few different factors when determining the rates they charge. Things like gender, where you call home, your driving record, age, and sometimes even things like your credit score can all be used. Both Allstate and Georgia Farm Bureau calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Allstate or Georgia Farm Bureau is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Allstate or Georgia Farm Bureau at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.