Allstate vs. Farmers Auto Insurance (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • 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.

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 insurance so expensive for drivers with a DUI?

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 RatesFarmers 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
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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 currently have a bad driving history, 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
DiscountsAllstate (%)Farmers (%)
Adaptive HeadlightsNoYes
Anti-lock Brakes10Yes
Anti-Theft10Yes
Claim Free35Yes
Continuous CoverageNoYes
Daytime Running Lights2Yes
Defensive Driver10Yes
Distant Student35Yes
Driver's Ed10No
Driving Device/App20Yes
Early Signing10Yes
Electronic Stability Control2No
Emergency DeploymentNoYes
Engaged CoupleNoYes
Family LegacyNoYes
Family PlanNoYes
Farm Vehicle10Yes
Federal EmployeeNoYes
Full Payment10No
Garaging/StoringNoYes
Good CreditNoYes
Good Student20No
Green Vehicle105
HomeownerNoYes
Life InsuranceNoYes
LoyaltyNoYes
MarriedNoYes
MilitaryNoYes
Multiple Policies10No
Multiple VehiclesNoYes
New GraduateNoYes
Newer Vehicle30Yes
On Time Payments5No
Paperless Documents10Yes
Paperless/Auto Billing5No
Passive Restraint30No
Recent RetireesNoYes
RenterNoYes
Roadside AssistanceNoYes
Safe Driver45No
Senior Driver10No
Stable ResidenceNoYes
Switching ProviderNoYes
Utility Vehicle15No
Vehicle Recovery10No
VIN EtchingNoYes
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Allstate has 29 auto insurance discounts that could potentially reduce your Allstate auto insurance quotes, and Farmers has 34 discounts.

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
AgenciesAllstate RatingsFarmers Ratings
AM BestA+ (Excellent)B++ (Good)
Consumer Reports8889
NAIC Complaint Ratio0.5 (total of 163 complaints)0.59 (total of 7 complaints)
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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.

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.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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