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

Quick Facts

• Looking at the national averages for insurance, Idaho Farm Bureau offers significantly cheaper prices than Allstate
• Allstate offers more discounts than Idaho Farm Bureau Insurance
• Idaho Farm Bureau offers more affordable premiums for drivers with a DUI charge on their record

Allstate vs. Idaho Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Allstate or Idaho Farm Bureau for your next policy, but between the two, which carrier will offer you less expensive rates?

Looking at nationwide averages, Idaho Farm Bureau has average rates that are about 35% per month more affordable than those from Allstate.

Even so, that doesn't mean Idaho Farm Bureau will necessarily be less expensive than Allstate for every single driver. Car insurance companies vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and all sorts of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Allstate or Idaho Farm Bureau is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Allstate or Idaho Farm Bureau: Average Car Insurance Rates by State

Allstate and Idaho Farm Bureau only compete against each other in Idaho, where Idaho Farm Bureau offers the cheaper average premiums. For Idaho residents, Idaho Farm Bureau offers insurance for $127 per month on average. Allstate's average prices come out to be over 20% more expensive, at $156 monthly.

There's a lot more that goes into your auto insurance bill than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. Usually, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Idaho Farm Bureau for their insurance pay nearly $200 less than those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Idaho Farm Bureau's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both carriers, you'll see your prices drop significantly by the time you turn 25. For example, average rates for Allstate policyholders lower almost 65% and Idaho Farm Bureau's premiums decrease more than 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

So, which carrier offers the best rates to retired drivers? Idaho Farm Bureau gets the edge here, with average premiums coming in at around $94 a month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically more expensive for single drivers than they are for married couples? That's because policies for married drivers normally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Idaho Farm Bureau is the clear winner for those who are single, with premiums about $86 a month cheaper than Allstate, on average. For married policyholders, the advantage is clear again - Idaho Farm Bureau has the edge when it comes to average prices.

Allstate vs. Idaho Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll generally end up paying more for insurance than women.

Women typically pay nearly $10 per month less than men with Allstate, and around $10 cheaper with Idaho Farm Bureau when compared to their male counterparts.

Looking at overall affordability, Idaho Farm Bureau comes out on top for both men and women. On average, male drivers save about $71 a month and women save about $71 with Idaho Farm Bureau compared to the average Allstate policyholder.

Allstate or Idaho 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.

For most people, car insurance isn't the easiest topic to understand. There are many different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability insurance, Idaho Farm Bureau generally offers significantly more affordable premiums of $66 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Idaho Farm Bureau again has the edge, with policies around $100 per month less expensive than Allstate, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault collisions and tickets will most likely raise your rates, but is Allstate or Idaho Farm Bureau cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Idaho Farm Bureau auto insurance policies don't report seeing their prices increase after getting a ticket, but Allstate policyholders can expect to see their monthly bill increase by about $25.

That being said, Idaho Farm Bureau is normally the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are $65 and $92 cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate policyholders who get in an accident can expect to see their rates increase by over 30%, while those who have insurance through Idaho Farm Bureau will see around a 25% increase.

Overall, Idaho Farm Bureau offers the most affordable prices for drivers with an at-fault accident on their records, with monthly premiums averaging $120 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 insurance bill -- usually a lot more than a collision or speeding ticket. Idaho Farm Bureau drivers usually see a 56% raise in their car insurance rates after a DUI charge, while Allstate will normally increase prices by about 31%.

Idaho Farm Bureau has the overall lowest rates for drivers with a DUI on their records at $206 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Idaho Farm Bureau, so the data may be skewed slightly.

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

You may not have known, but your credit score can be used as one of the variables to calculate your monthly auto insurance prices. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of drivers out there.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Idaho Farm Bureau. Policyholders with "excellent" credit can save just under 35% compared to Allstate, and those with "good" scores can also expect to see savings -- around $59 or 34% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Idaho Farm Bureau typically offers lower rates than Allstate when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $71 a month less with Idaho Farm Bureau compared to Allstate, and those with "poor" scores usually save an average of around $107 monthly.

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

Did you know that the amount of time you spend in your car have a large impact on how much car insurance carriers will charge for coverage? That's because the more miles you put on your car each year, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Idaho Farm Bureau offers less expensive prices than Allstate. Idaho Farm Bureau's average premiums for drivers with 6,000 annual miles come in about 40% more affordable than Allstate. Those who drive 12,000 miles annually can expect to pay around 33% less with Idaho Farm Bureau over Allstate.

Allstate vs. Idaho Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance payment. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Idaho Farm Bureau typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Idaho Farm Bureau's average premiums are about $118 while Allstate offers prices around $222. Drivers in suburban ZIP codes pay a monthly price of about $125 with Idaho Farm Bureau compared to $199 with Allstate. If you live in a rural area, you can expect to pay around $139 a month with Idaho Farm Bureau and $174 with Allstate.

Allstate vs. Idaho Farm Bureau Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts Allstate and Idaho Farm Bureau offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Idaho Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 38 more discounts than Idaho Farm Bureau.

Both carriers offer a lot of the same discounts -- like discounts for being a defensive driver and discounts for being a good student -- but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Idaho Farm Bureau does not.

Idaho Farm Bureau's discounts come through just two categories -- Defensive Driver and Good Student.

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

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, is Allstate or Idaho Farm Bureau the right one for you and your specific needs?

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

• You live in one of the following states: Idaho.
• You live in an suburban area.
• You drive often but have a short commute.

Allstate might be best for you if...

• You value the experience that comes with a large national auto insurance carrier.
• You're looking for discounts -- Allstate has the most.

We hope this guide helps you get a better idea of the difference between Allstate and Idaho Farm Bureau and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Allstate and Idaho Farm Bureau. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Allstate vs. Idaho Farm Bureau FAQs

Is Allstate or Idaho Farm Bureau cheaper?

Looking just at the national average rates, Idaho Farm Bureau is the cheaper of the two carriers, offering average rates of $127 per month compared to $199 for Allstate. Even so, Idaho Farm Bureau won't necessarily be the cheapest company for every driver, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Idaho Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for each driver -- it all depends on what your unique car insurance profile looks like.

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

Insurance companies take a look at several different factors when calculating the prices they charge drivers. Things like gender, your driving record, where you park your vehicle, age, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Idaho Farm Bureau calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Allstate or Idaho Farm Bureau at all!

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.