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

Quick Facts

• Based on national averages for auto insurance, South Carolina Farm Bureau offers significantly more affordable premiums than Allstate
• Allstate offers more discounts than South Carolina Farm Bureau Insurance
• South Carolina Farm Bureau offers less expensive average rates for people who are single and purchasing insurance by yourself

Allstate vs. South Carolina 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 hefty discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Allstate or South Carolina Farm Bureau, but which one will save you the most?

As you can see, South Carolina Farm Bureau has average rates that are about 45% per month cheaper than those from Allstate when looking at the national average rates for car insurance.

That being said, that doesn't necessarily mean South Carolina Farm Bureau will be the less expensive option for every single driver. Insurance companies vary their prices depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and all sorts of other factors, so premiums could differ drastically from person to person.

Luckily, we've broken down average rates from both Allstate and South Carolina Farm Bureau by many different rate factors, so read on to find out which company is the best for you.

Allstate or South Carolina Farm Bureau: Average Car Insurance Rates by State

Allstate and South Carolina Farm Bureau only compete against each other in South Carolina, where South Carolina Farm Bureau offers the cheaper average premiums. For South Carolina residents, South Carolina Farm Bureau offers auto insurance for $111 monthly on average. Allstate's average rates come out to be over 30% more expensive, at $148 a month.

There's a lot more that goes into your insurance payment than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use South Carolina Farm Bureau save nearly $250 a month compared to those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to South Carolina Farm Bureau's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, both carriers will reduce prices by the time drivers turn 25. South Carolina Farm Bureau offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average rates decrease almost 65% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best prices for retired drivers between Allstate and South Carolina Farm Bureau? South Carolina Farm Bureau gets the edge here, with average premiums coming in at around $75 per month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance rates than married couples. That's because policies for married policyholders normally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, South Carolina Farm Bureau is the clear winner for those who are single, with premiums about $100 per month more affordable than Allstate, on average. The advantage for married drivers with South Carolina Farm Bureau is also obvious, where drivers save more than 45% a month.

Allstate vs. South Carolina Farm Bureau: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they have a higher chance of filing a claim with insurance. Therefore, men tend to get higher rates than women.

Women typically pay nearly $10 per month less than men with Allstate, and around $6 cheaper with South Carolina Farm Bureau when compared to their male counterparts.

Looking at the data for each carrier specifically, South Carolina Farm Bureau comes out on top for both men and women. On average, women save about $86 a month and men save about $89 with South Carolina Farm Bureau compared to the average Allstate policyholder.

Allstate or South Carolina 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.

Auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, South Carolina Farm Bureau usually offers significantly cheaper prices of $78 compared to Allstate's $108. When it comes to full coverage policies with similar limits, South Carolina Farm Bureau again has the edge, with policies around $150 per month less expensive than Allstate, on average.

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

You've probably seen plenty of commercials from insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and accidents will most likely raise your prices, but is Allstate or South Carolina Farm Bureau more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 a month if they get a ticket, while South Carolina Farm Bureau normally raises rates about $12 per month, on average.

Even so, South Carolina Farm Bureau has cheaper prices for drivers in both categories -- their rates are around 39% more affordable for drivers with clean records and 42% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their premiums rise by just under $75, while those who have insurance through South Carolina Farm Bureau will see around a $30 increase.

Overall, drivers who use South Carolina Farm Bureau end up with the cheaper prices after an accident, with monthly rates averaging $125 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Allstate will raise your premiums about 31% after a DUI, while South Carolina Farm Bureau's average prices increase by just under 20%.

South Carolina Farm Bureau has the overall cheapest rates for drivers with a DUI on their records at $116 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for South Carolina Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Allstate and South Carolina Farm Bureau Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it will come into play for several policyholders.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive premiums.

Looking at Allstate and South Carolina Farm Bureau specifically, which carrier has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with South Carolina Farm Bureau. Drivers with "excellent" credit can save nearly 50% compared to Allstate, and those with "good" scores can also expect to see savings -- around $78 or 45% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

South Carolina Farm Bureau typically offers lower prices than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $93 a month less with South Carolina Farm Bureau compared to Allstate, and those with "poor" scores usually save an average of around $111 monthly.

Is Allstate or South Carolina 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 your monthly premiums? That's because the fewer miles you put on your car, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much South Carolina Farm Bureau charges. However, there's a small difference in monthly rates for Allstate, with policyholders who drive the least paying about $3 less every month compared to those who drive 12,000 miles each year. Still, South Carolina Farm Bureau is the more affordable option for drivers in both categories.

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

Where your home is can play a considerable role in how much you pay for auto insurance. Generally, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads in those areas.

South Carolina Farm Bureau boasts the cheapest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to pay around $114 per month with South Carolina Farm Bureau and $174 with Allstate. People in suburban areas pay about $103 with South Carolina Farm Bureau compared to Allstate's $199 monthly. For drivers in urban ZIP codes, South Carolina Farm Bureau's average rates are around $115 while Allstate offers premiums about $222.

Allstate vs. South Carolina Farm Bureau Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the section below, we've broken down all of the different discounts offered by both Allstate and South Carolina Farm Bureau so that you can find the company that has the most discounts and, therefore, the biggest savings.

Allstate knocks South Carolina Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to South Carolina Farm Bureau's five.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts. Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that South Carolina Farm Bureau does not.

South Carolina Farm Bureau's discounts come through just a few categories, including Defensive Driver, Distant Student, Driver Training, and more.

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

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, which insurance company is the best carrier for you and your specific needs?

South Carolina Farm Bureau might be best for you if....

• You live in one of the following states: South Carolina.
• Your neighborhood is in the suburbs.
• You have a short commute.

Allstate might be best for you if...

• You already have plans to move to another state -- South Carolina Farm Bureau Insurance is only available in SC.
• You care about discounts (Allstate offers the most).

We hope this guide has ben a valuable resource as you compare Allstate and South Carolina Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 car insurance -- comparing quotes from a handful of carriers, not just Allstate and South Carolina Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Allstate vs. South Carolina Farm Bureau FAQs

Is Allstate or South Carolina Farm Bureau cheaper?

Looking just at the national average prices, South Carolina Farm Bureau is the less expensive of the two carriers, offering average rates of $111 per month compared to $199 for Allstate. However, South Carolina Farm Bureau won't necessarily be the most affordable carrier for every policyholder, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or South Carolina Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for each driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Allstate and South Carolina Farm Bureau offer me different rates?

Car insurance companies take a look at a lot of different factors when determining the rates they charge drivers. Things like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all come into play. Both Allstate and South Carolina Farm Bureau calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance company 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 information once 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 cheapest price. And who knows, the best carrier for you might not be Allstate or South Carolina 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.