Allstate vs. Farmers Auto Insurance (2024)
Choosing between Allstate vs. Farmers auto insurance is difficult, so compare auto insurance rates by age, driving record, and credit score to find the cheapest option for you. Overall, Farmers Insurance offers cheaper rates to bad drivers, but both car insurance companies have high customer and financial ratings.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Mar 18, 2024
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- Both Allstate and Farmers have high customer satisfaction and low complaint ratios
- Allstate has a stronger financial history and future
- Farmers has lower auto insurance rates for those with a bad driving record
- Farmers has more auto insurance discounts, ranging from five to 45% off
You probably know the basics about auto insurance now that you’ve landed here ready to compare two great contenders, Farmers vs. Allstate.
Allstate and Farmers auto insurance companies are both on the list of the best auto insurance companies. In this guide, we’ll compare Allstate vs. Farmers rates, discounts, consumer satisfaction, complaints, mobile apps, and financial strength. For information about each of the individual companies, check out our Allstate auto insurance review and our Farmers auto insurance review.
Before you decide to buy Allstate vs. Farmers auto insurance, enter your ZIP code to start comparing multiple companies in your area to find the cheapest rates.
Is Allstate auto insurance or Farmers auto insurance cheaper based on driving record?
You may be wondering, “why is Farmers auto insurance for drivers with a DUI so expensive?
Regardless of whether you choose Allstate vs. Farmers, your auto insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUI. The more infractions on your driving record, the more of a liability you are.
Allstate vs. Farmers Average Annual Auto Insurance Rates by Driving Record
| Driving Record | Allstate Average Annual Rates | Farmers Average Annual Rates |
|---|---|---|
| Clean Driving Record | $3,819.90 | $3,460.60 |
| With One Speeding Violation | $4,483.51 | $3,025.74 |
| With One Accident | $4,987.68 | $3,722.75 |
| With One DUI | $6,260.73 | $4,330.24 |
Farmers is much more forgiving than Allstate when it comes to having traffic violations on your driving record.
If you choose Allstate and you get a speeding ticket, cause an accident, or get a DUI, your auto insurance rates will increase by 17% to 63%. Alternatively, with Farmers, your auto insurance rates increase by only eight to 25%
If you need auto insurance for high-risk drivers, Farmers is surely the better option.
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Does Allstate or Farmers have better auto insurance discounts?
Auto insurance companies vary in the types of discounts they offer. This is why it’s important to shop around. Let’s take a look at Allstate and Farmers auto insurance discounts.
Allstate vs. Farmers Auto Insurance Discounts
| Discounts | Allstate (%) | Farmers (%) |
|---|---|---|
| Adaptive Headlights | No | Yes |
| Anti-lock Brakes | 10 | Yes |
| Anti-Theft | 10 | Yes |
| Claim Free | 35 | Yes |
| Continuous Coverage | No | Yes |
| Daytime Running Lights | 2 | Yes |
| Defensive Driver | 10 | Yes |
| Distant Student | 35 | Yes |
| Driver's Ed | 10 | No |
| Driving Device/App | 20 | Yes |
| Early Signing | 10 | Yes |
| Electronic Stability Control | 2 | No |
| Emergency Deployment | No | Yes |
| Engaged Couple | No | Yes |
| Family Legacy | No | Yes |
| Family Plan | No | Yes |
| Farm Vehicle | 10 | Yes |
| Federal Employee | No | Yes |
| Full Payment | 10 | No |
| Garaging/Storing | No | Yes |
| Good Credit | No | Yes |
| Good Student | 20 | No |
| Green Vehicle | 10 | 5 |
| Homeowner | No | Yes |
| Life Insurance | No | Yes |
| Loyalty | No | Yes |
| Married | No | Yes |
| Military | No | Yes |
| Multiple Policies | 10 | No |
| Multiple Vehicles | No | Yes |
| New Graduate | No | Yes |
| Newer Vehicle | 30 | Yes |
| On Time Payments | 5 | No |
| Paperless Documents | 10 | Yes |
| Paperless/Auto Billing | 5 | No |
| Passive Restraint | 30 | No |
| Recent Retirees | No | Yes |
| Renter | No | Yes |
| Roadside Assistance | No | Yes |
| Safe Driver | 45 | No |
| Senior Driver | 10 | No |
| Stable Residence | No | Yes |
| Switching Provider | No | Yes |
| Utility Vehicle | 15 | No |
| Vehicle Recovery | 10 | No |
| VIN Etching | No | Yes |
Allstate has 29 auto insurance discounts that could potentially reduce your Allstate auto insurance quotes, and Farmers has 34 discounts.
What discounts does Farmers offer? Our source doesn’t provide the amount of each discount for Farmers, but you can use your Farmers insurance login or Allstate insurance login to get more details about each company’s savings opportunities.
With Allstate, you can save between five and 45% with discounts.
Additionally, always ask about bundling discounts. Choosing between these two companies may come down to who has a better discount by bundling your auto insurance policy with a Farmers or Allstate home insurance policy.
How does Allstate vs. Farmers auto insurance compare in financial strength and customer satisfaction?
Below, we list ratings for Allstate and Farmers from the top agencies that judge the credibility of all auto insurance companies.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations, such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints. In 2017, the national average complaint ratio was one. The lower the ratio, the better.
Allstate vs. Farmers Company Ratings
| Agencies | Allstate Ratings | Farmers Ratings |
|---|---|---|
| AM Best | A+ (Excellent) | B++ (Good) |
| Consumer Reports | 88 | 89 |
| NAIC Complaint Ratio | 0.5 (total of 163 complaints) | 0.59 (total of 7 complaints) |
Both Allstate and Farmers do well with keeping complaints per customer low. Customers seem to be highly satisfied with both the Allstate insurance claims process and the Farmers insurance claims process.
Allstate has a better financial strength score. Farmers has a lower score than Allstate, though its score is still considered good.
If you aren’t happy with your choice, it is easy to cancel Allstate auto insurance or cancel Farmers auto insurance.
Before you choose between Allstate vs. Farmers auto insurance, use our free comparison tool to see rates from multiple auto insurance companies in your area.
Frequently Asked Questions
Can I switch from Allstate to Farmers or vice versa?
Yes, you can switch between the two. Compare quotes, coverage, and customer satisfaction before making a decision.
How can I cancel my auto insurance with Allstate or Farmers?
Contact customer service or your agent to initiate the cancellation process.
Can I bundle auto and home insurance with Allstate or Farmers?
Yes, both companies offer bundling options for potential discounts.
What factors affect my auto insurance rates with Allstate or Farmers?
Factors include age, driving record, credit score, location, vehicle type, mileage, and coverage options.
How can I compare auto insurance rates between Allstate and Farmers?
Use online comparison tools or contact both companies for quotes based on your information.
How does Allstate vs. Farmers auto insurance compare in financial strength and customer satisfaction?
Allstate has better financial strength, while both have high customer satisfaction ratings.