State farm vs allstate is one of the most common comparisons drivers make when shopping for auto insurance. Both companies rank among the largest insurers in the United States. Together, they cover tens of millions of vehicles nationwide. However, they differ significantly in pricing, discounts, and claims handling. State Farm typically offers lower premiums for most driver profiles. Allstate counters with unique perks like Drivewise and accident forgiveness. This guide breaks down every major factor in the state farm vs allstate debate. We compare rates, coverage options, financial strength, and customer satisfaction scores to help you choose the right policy.
- State Farm vs Allstate: Company Overview
- State Farm Vs Allstate: Coverage Comparison
- State Farm vs Allstate: Rates and Pricing
- State Farm vs Allstate: Discounts Available
- State Farm vs Allstate: Pros and Cons
- State Farm vs Allstate: Customer Experience
- Which Should You Choose: State Farm or Allstate?
- Frequently Asked Questions
State Farm vs Allstate: Company Overview
| Category | State Farm | Allstate |
|---|---|---|
| AM Best Rating | A+ (Superior) | A+ (Superior) |
| JD Power Score | 650/1,000 | 660/1,000 |
| NAIC Complaint Index | 1.35 | 1.45 |
| States Available | 50 + D.C. | 50 + D.C. |
| Best For | Low rates | Reward programs |
| Founded | 1922 | 1931 |
State Farm is the largest auto insurer in America. Founded in 1922 in Bloomington, Illinois, it operates as a mutual company owned by its policyholders. It holds roughly 16% of the U.S. auto insurance market. In most cases, State Farm delivers lower premiums than the national average. Its network of 19,000+ local agents provides strong in-person support across every state.
Allstate was founded in 1931 as part of Sears, Roebuck and Co. It is now headquartered in Northbrook, Illinois. Allstate is publicly traded and ranks as the fourth-largest auto insurer nationally. It stands out for innovative programs like Drivewise telematics and Deductible Rewards. Both companies earn an A+ rating from AM Best. As a result, both are considered financially strong and capable of paying claims reliably.
State Farm Vs Allstate: Coverage Comparison
| Coverage Type | State Farm | Allstate |
|---|---|---|
| Liability | Standard limits available in all states | Standard limits available in all states |
| Collision | Standard with flexible deductibles | Standard with Deductible Rewards option |
| Comprehensive | Standard with flexible deductibles | Standard with flexible deductibles |
| Uninsured Motorist | Available in all states | Available in all states |
| Roadside Assistance | ~$30/year add-on | Included with some plans or add-on |
| Rental Car | Reimbursement after covered claim | Reimbursement after covered claim |
| Gap Insurance | Available through agents | Available as policy add-on |
| Rideshare Coverage | All 3 Uber/Lyft periods (~$28/mo) | Ride for Hire in 49 states (not NY) |
When comparing state farm vs allstate on coverage, both offer all standard auto insurance products. Liability, collision, comprehensive, and uninsured motorist coverage are available from each. However, the differences appear in add-ons and extras. For example, State Farm’s rideshare coverage extends medical, roadside, and rental reimbursement across all three Uber and Lyft driving periods. This is more comprehensive than most competitors.
Allstate offers several unique extras that State Farm does not match. Deductible Rewards reduces your collision deductible by $100 for each accident-free year, up to $500. New Car Replacement covers the full cost of a same make and model vehicle if your new car is totaled. Allstate also offers sound system coverage for aftermarket audio equipment. These perks give Allstate an edge for drivers who want extra protection beyond the basics.
Both companies provide gap insurance for leased or financed vehicles. Typically, both also offer rental car reimbursement during covered repairs. In the state farm vs allstate coverage battle, Allstate wins on add-on variety. State Farm wins on rideshare comprehensiveness and straightforward pricing.
State Farm vs Allstate: Rates and Pricing
| Driver Profile | State Farm (Annual) | Allstate (Annual) |
|---|---|---|
| Full coverage (typical driver) | $2,080 | $2,605 |
| Minimum coverage | $712 | $820 |
| Young driver (age 20) | $4,678 | $4,356 |
| Senior driver (age 65+) | $1,823 | $2,484 |
| After accident | $2,987 | $4,272 |
| After DUI | $3,126 | $4,679 |
Pricing is where the state farm vs allstate comparison gets interesting. State Farm is significantly cheaper for most driver profiles. A typical driver pays about $2,080 per year with State Farm. The same driver pays roughly $2,605 with Allstate. That is a difference of over $500 annually. State Farm recently announced $4.6 billion in auto rate reductions, lowering premiums by about 10% on average.
However, young drivers may find a surprise. Allstate charges approximately $4,356 per year for a 20-year-old driver. State Farm charges $4,678 for the same profile. That makes Allstate about $322 cheaper for young drivers. For example, Allstate’s teenSMART program and smart student discount can further reduce costs for younger policyholders.
The gap widens dramatically after incidents. State Farm charges roughly $2,987 after an at-fault accident. Allstate charges $4,272 for the same scenario. After a DUI, State Farm averages $3,126 per year. Allstate jumps to $4,679. As a result, drivers with imperfect records save substantially by choosing State Farm. Allstate’s accident forgiveness can offset this, but only for your first incident.
State Farm vs Allstate: Discounts Available
Both insurers offer robust discount programs. State Farm’s Drive Safe & Save telematics program can save up to 30% based on driving habits. Allstate’s competing Drivewise program offers up to 25-40% off. State Farm offers a Steer Clear program exclusively for drivers under 25 with educational modules. Allstate counters with its teenSMART program for young drivers. Both companies offer good student discounts, but Allstate requires a 2.7 GPA while State Farm requires a B average.
Allstate provides several discounts State Farm does not. The early signing discount rewards drivers who finalize their policy at least seven days before it takes effect. The eSmart discount applies when you go paperless. Allstate’s FullPay discount rewards drivers who pay their entire premium upfront. These payment-based discounts can add up quickly for organized drivers.
State Farm offers its own exclusive perks in the state farm vs allstate discount comparison. The accident-free discount provides up to 25% off after three years without a chargeable accident. The passive restraint discount saves up to 40% on medical coverages for vehicles with airbags. In most cases, bundling auto with home or renters insurance saves up to 17% at State Farm and up to 25% at Allstate.
State Farm vs Allstate: Pros and Cons
State Farm Pros:
- Lower average rates than Allstate for most driver profiles
- 19,000+ local agents for in-person service nationwide
- Highly rated mobile app (4.6 stars on iOS and Android)
- Comprehensive rideshare coverage for all three driving periods
State Farm Cons:
- Fewer add-on coverage options than Allstate
- NAIC complaint index of 1.35 is above the national baseline
Allstate Pros:
- Unique programs like Deductible Rewards and New Car Replacement
- Accident forgiveness available after five claim-free years
- Drivewise telematics with up to 40% savings potential
- Competitive rates for young drivers under 25
Allstate Cons:
- Higher premiums than State Farm for most driver profiles
- NAIC complaint index of 1.45 is well above the national median
State Farm vs Allstate: Customer Experience
The state farm vs allstate customer experience comparison reveals mixed results. In the 2025 JD Power U.S. Auto Insurance Study, Allstate scored 660 out of 1,000. State Farm scored 650 out of 1,000. Both scores are close to the industry average of 644. Neither company leads the industry in customer satisfaction, but both perform adequately across key dimensions like trust, ease of doing business, and digital tools.
State Farm’s mobile app earns 4.6 stars on both iOS and Android. It won a 2025 Vega Award for Best User Interface. Allstate’s app scores 4.8 stars on iOS but drops to around 3.5-4.1 on Android. Many Android users complain about the Drivewise tracking feature draining battery or scoring unfairly. For example, passengers in a car may receive poor driving scores even when they are not driving.
Both companies offer 24/7 claims filing by phone, app, and website. State Farm assigns a dedicated claims representative to each case. Allstate provides online tracking through its My Account portal. State Farm’s claims satisfaction score of 716 out of 1,000 exceeds the industry average of 700. Typically, both companies resolve straightforward claims within one to two weeks. The state farm vs allstate claims experience is comparable, with State Farm holding a slight edge in satisfaction ratings.
Which Should You Choose: State Farm or Allstate?
Choose State Farm if: You want the lowest rates for full or minimum coverage. State Farm is also the better choice after an accident or DUI, where its premiums are $1,000-$1,500 less than Allstate. Drivers who value a large local agent network and a top-rated mobile app will also prefer State Farm.
Choose Allstate if: You are a young driver under 25 seeking competitive rates and educational discount programs. Allstate is also ideal if you want unique perks like Deductible Rewards, accident forgiveness, or New Car Replacement. Drivers who prefer telematics-based savings may benefit from Allstate’s Drivewise program, which offers up to 40% off.
The state farm vs allstate decision ultimately depends on your specific situation. State Farm wins on price for the majority of drivers. Allstate wins on innovative add-ons and reward programs. Both companies are financially strong with A+ ratings from AM Best. Both are available in all 50 states plus Washington, D.C. Get quotes from both to see which offers the best rate for your ZIP code, vehicle, and driving history. In the state farm vs allstate matchup, there is no universal winner. The best insurer is the one that fits your budget and coverage needs.
Frequently Asked Questions
Is State Farm cheaper than Allstate?
Yes, in most cases. State Farm averages about $2,080 per year for full coverage. Allstate averages $2,605 for the same coverage. However, young drivers under 25 may find Allstate slightly cheaper by about $300 annually.
Which has better customer service, State Farm or Allstate?
Both companies score near the industry average in JD Power studies. Allstate edges ahead with a 660 score versus State Farm’s 650 out of 1,000. However, State Farm’s claims satisfaction score of 716 beats the industry average. Neither company has an exceptionally low NAIC complaint index.
Can I switch from State Farm to Allstate mid-policy?
Yes, you can switch at any time. Most auto insurance policies have no cancellation penalty. However, check your current policy for any short-rate cancellation fees. Typically, you should start your new Allstate policy before canceling State Farm to avoid a coverage gap.
Do State Farm and Allstate offer the same discounts?
They share similar discount categories like multi-car, good student, and bundling. However, each has exclusive programs. State Farm offers Steer Clear for drivers under 25. Allstate offers Deductible Rewards and early signing discounts. Comparing state farm vs allstate discounts side by side ensures you maximize your savings with whichever company you choose.
Get Your Quotes
Ready to see which company offers you a better rate? Get quotes from both State Farm and Allstate to compare real prices for your specific situation.
(paid links — placeholder until affiliate program approved)
Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.