Allstate vs. State Farm Insurance: Which is Better?
State Farm is usually the better choice, but Allstate has more coverage options
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- State Farm is generally better than Allstate for home, auto and renters insurance.
- State Farm is cheaper in most states and has higher customer satisfaction scores.
- Allstate has a few more coverage options than State Farm and is cheaper in some states.
Are Allstate and State Farm good insurance companies?
Allstate and State Farm are both good insurance companies. Both offer car, home and renters insurance in most of the country, with personalized service from local agents.
State Farm stands out for having cheaper rates than Allstate in most states. It also has higher customer satisfaction scores from J.D. Power
Allstate vs. State Farm monthly rates and ratings
| Insurance line | Allstate | State Farm | U.S. average |
|---|---|---|---|
| Car insurance rate | $248 | $144 | $177 |
| Home insurance rate | $196 | $147 | $219 |
| Renters insurance rate | $17 | $11 | $18 |
| Auto satisfaction score | 641 | 655 | 641 |
| Home satisfaction score | 633 | 657 | 642 |
| Renters satisfaction score | 638 | 685 | 668 |
Allstate vs. State Farm: Which is better for car insurance?
State Farm is usually a better choice for car insurance than Allstate. It has higher satisfaction scores and cheaper rates in most states.
However, each company’s quotes vary by driver. Depending on your situation, you may get a better deal from Allstate than you do from State Farm. So it’s a good idea to compare car insurance quotes from a few companies to find the best rate.
Allstate car insurance
PROS
- Big discount for bundling car and home insurance
- Offers accident forgiveness
- Rideshare driver coverage also available
CONS
- Charges 40% more than U.S. average
- Does not offer gap insurance
State Farm car insurance
PROS
- Rates are nearly 20% less than national average
- Good satisfaction rating from J.D. Power
- Also has rideshare coverage and bundling discounts
CONS
- Also does not offer gap insurance
How much do Allstate and State Farm charge for car insurance?
State Farm’s car insurance quotes average $144 a month for full coverage
State Farm’s rate of $56 a month for minimum coverage
Car insurance rates by company
| Company | Monthly full coverage | Monthly minimum coverage | LendingTree score |
|---|---|---|---|
| State Farm | $144 | $56 |  4.5/5 |
| Allstate | $248 | $104 |  3/5 |
| Erie | $131 | $44 | 4.5/5 |
| Country Financial | $134 | $61 |  5/5 |
| Travelers | $135 | $59 | 4.5/5 |
| American Family | $146 | $51 |  4/5 |
| Auto-Owners | $154 | $51 | 5/5 |
| Progressive | $160 | $69 | 4/5 |
| Geico | $173 | $65 |  3.5/5 |
| Mercury | $181 | $54 | 3.5/5 |
| Nationwide | $190 | $76 | 3/5 |
| Farmers | $258 | $101 | 3/5 |
Allstate vs. State Farm: Car insurance rates for a bad driving record
State Farm is usually also cheaper than Allstate for drivers with a bad driving record. For example, its quotes after a speeding ticket average $156 a month. This is 47% less than Allstate’s rate.
State Farm is also cheaper than Allstate after an at-fault accident and DUI (driving under the influence). However, Allstate is cheaper than State Farm for drivers with bad credit.
Monthly car insurance rates by driving record
| Driving record | Allstate | State Farm | U.S. average |
|---|---|---|---|
| Clean record | $248 | $144 | $177 |
| Speeding ticket | $295 | $156 | $219 |
| At-fault accident | $406 | $163 | $263 |
| DUI | $379 | $341 | $329 |
| Bad credit | $402 | $593 | $345 |
Allstate vs. State Farm car insurance rates by state
State Farm has cheaper full coverage than Allstate in most states. The exceptions are Louisiana and Utah, where Allstate is cheaper than State Farm.
| State | Allstate monthly | State Farm monthly | State average |
|---|---|---|---|
| Alabama | $162 | $114 | $153 |
| Alaska | $159 | $126 | $135 |
| Arizona | $283 | $144 | $201 |
| Arkansas | $272 | $125 | $197 |
| California | $252 | $228 | $182 |
| Colorado | $352 | $182 | $238 |
| Connecticut | $283 | $181 | $265 |
| Delaware | $402 | $154 | $256 |
| Florida | $408 | $158 | $264 |
| Georgia | NA | $203 | $155 |
| Hawaii | $170 | $110 | $126 |
| Idaho | $171 | $61 | $127 |
| Illinois | $242 | $134 | $154 |
| Indiana | $244 | $121 | $144 |
| Iowa | $234 | $103 | $149 |
| Kansas | $267 | $145 | $199 |
| Kentucky | NA | $138 | $176 |
| Louisiana | $212 | $236 | $277 |
| Maine | $131 | $111 | $107 |
| Maryland | NA | $129 | $172 |
| Massachusetts | $269 | NA | $152 |
| Michigan | NA | $267 | $218 |
| Minnesota | $257 | $124 | $194 |
| Mississippi | $234 | $107 | $176 |
| Missouri | $276 | $153 | $198 |
| Montana | $232 | $95 | $183 |
| Nebraska | $240 | $141 | $171 |
| Nevada | $360 | $202 | $280 |
| New Hampshire | $176 | $100 | $113 |
| New Jersey | $268 | $246 | $209 |
| New Mexico | $203 | $133 | $188 |
| New York | $304 | $224 | $192 |
| North Carolina | $231 | $77 | $124 |
| North Dakota | $195 | $100 | $158 |
| Ohio | $188 | NA | $124 |
| Oklahoma | $320 | $142 | $193 |
| Oregon | $285 | $88 | $172 |
| Pennsylvania | $213 | $137 | $166 |
| Rhode Island | $248 | NA | $224 |
| South Carolina | $212 | $166 | $152 |
| South Dakota | NA | $133 | $177 |
| Tennessee | $229 | $142 | $150 |
| Texas | $400 | $101 | $199 |
| Utah | $221 | $257 | $193 |
| Vermont | $136 | $65 | $101 |
| Virginia | $228 | $125 | $132 |
| Washington | $221 | $117 | $188 |
| Washington, D.C. | $375 | $198 | $218 |
| West Virginia | $219 | $131 | $150 |
| Wisconsin | $203 | $135 | $146 |
| Wyoming | $199 | $100 | $111 |
Allstate vs. State Farm car insurance coverage options
State Farm and Allstate offer all the normal car insurance coverages like liability
Allstate offers a couple of coverage options that State Farm doesn’t have. These include accident forgiveness
Allstate vs. State Farm car insurance discount comparison
Allstate and State Farm both offer a few discounts that make their rates more affordable. Of the two companies, State Farm has better discounts for young drivers.
Like Allstate, State Farm gives young drivers a discount for getting good grades and going off to college without a car. With State Farm, a young driver can get these discounts until age 25. Allstate cuts these discounts off at age 20.
State Farm also gives young drivers a discount for completing an approved driver training course. Allstate does not.
Allstate vs. State Farm: Which is better for home insurance?
State Farm is usually better than Allstate for home insurance, but not by much. Both companies charge less than the national average.
However, State Farm charges 25% less than Allstate for homeowners insurance, on average. State Farm also has a higher satisfaction score.
On the other hand, Allstate has a few more discounts and coverage options than State Farm. These include discounts for recent homebuyers and claim forgiveness
Allstate homeowners insurance
Pros
- Charges 10% less than U.S. average
- Claim forgiveness available in some states
- Discounts for recent homebuyers
Cons
- Usually more expensive than State Farm
- State Farm has a better satisfaction score
State Farm homeowners insurance
Pros
- Cheaper rates than most other companies
- Excellent customer satisfaction
- Cheap car insurance makes it good for bundling
Cons
- Does not offer claim forgiveness
How much is home insurance from Allstate and State Farm?
State Farm’s homeowners insurance rates average $1,761 a year. This is 25% less than Allstate’s rate of $2,352 a year. Both companies charge less than the national average of $2,628 a year.
Homeowners insurance rates by company
| Company | Average rate | Monthly rate | LendingTree score |
|---|---|---|---|
| State Farm | $1,761 | $147 | 4/5 |
| Allstate | $2,352 | $196 | 4/5 |
| Mercury | $1,807 | $151 | 3.5/5 |
| Farmers | $2,895 | $241 | 3.5/5 |
| Progressive | $3,084 | $257 | 3.5/5 |
| Auto-Owners | $3,206 | $267 | 4/5 |
| Travelers | $3,216 | $268 | 3.5/5 |
| Country Financial | $3,389 | $282 | 4/5 |
| American Family | $3,423 | $285 | 4/5 |
| Nationwide | $3,490 | $291 | 3.5/5 |
| Erie | $3,533 | $294 | 4/5 |
As with car insurance, homeowners insurance rates also vary by customer. That’s why it’s good to compare home insurance quotes from multiple companies when you shop.
Allstate vs. State Farm: Home insurance rates by state
Although State Farm has cheaper homeowners insurance on average than Allstate, Allstate is cheaper in eight states
| State | Annual rate Allstate | Annual rate State Farm | State average |
|---|---|---|---|
| Alabama | $1,620 | $3,017 | $3,614 |
| Alaska | $2,265 | $1,553 | $1,519 |
| Arizona | $2,951 | $1,173 | $2,455 |
| Arkansas | $4,986 | $2,794 | $3,902 |
| California | NA | NA | $1,574 |
| Colorado | $2,509 | $2,795 | $4,717 |
| Connecticut | $2,006 | $1,203 | $2,595 |
| Delaware | $1,235 | $819 | $1,320 |
| Florida | $2,827 | $2,092 | $3,046 |
| Georgia | $2,340 | $1,909 | $2,939 |
| Hawaii | $714 | $603 | $928 |
| Idaho | $2,902 | $1,144 | $1,975 |
| Illinois | $1,079 | $1,759 | $2,987 |
| Indiana | $1,105 | $1,643 | $2,940 |
| Iowa | $4,065 | $2,520 | $3,492 |
| Kansas | $4,432 | $1,886 | $4,595 |
| Kentucky | $2,114 | $2,256 | $3,495 |
| Louisiana | $1,621 | $1,046 | $2,903 |
| Maine | $1,468 | $807 | $1,433 |
| Maryland | $3,561 | $1,497 | $2,345 |
| Massachusetts | NA | NA | $1,836 |
| Michigan | $1,410 | $1,665 | $2,545 |
| Minnesota | $2,842 | $3,467 | $3,150 |
| Mississippi | $2,210 | $2,040 | $3,154 |
| Missouri | $3,154 | $2,092 | $2,936 |
| Montana | $3,868 | $2,144 | $3,021 |
| Nebraska | $5,146 | $3,406 | $5,519 |
| Nevada | $1,178 | $1,028 | $1,829 |
| New Hampshire | $1,186 | $992 | $1,150 |
| New Jersey | $1,205 | $1,155 | $1,606 |
| New Mexico | $2,403 | $1,576 | $3,242 |
| New York | $1,787 | $1,476 | $1,587 |
| North Carolina | $3,016 | $876 | $2,874 |
| North Dakota | NA | $2,716 | $2,751 |
| Ohio | $1,642 | $1,464 | $2,232 |
| Oklahoma | $3,712 | $3,170 | $5,533 |
| Oregon | $1,479 | $983 | $1,518 |
| Pennsylvania | $1,861 | NA | $1,893 |
| Rhode Island | $2,060 | $785 | $2,165 |
| South Carolina | $1,707 | $2,083 | $3,477 |
| South Dakota | NA | $2,301 | $3,637 |
| Tennessee | $2,678 | $2,180 | $3,757 |
| Texas | $5,615 | $4,238 | $4,458 |
| Utah | $1,254 | $1,065 | $1,858 |
| Vermont | $796 | $750 | $1,047 |
| Virginia | $2,856 | $1,067 | $2,762 |
| Washington | $1,526 | $1,303 | $1,756 |
| Washington, D.C. | $1,601 | $1,123 | $1,309 |
| West Virginia | $1,764 | $1,276 | $2,117 |
| Wisconsin | $1,808 | $1,397 | $1,897 |
| Wyoming | $2,958 | $2,168 | $2,396 |
Allstate vs. State Farm homeowners coverage comparison
Allstate and State Farm both offer useful add-on protections for your home. These include coverage for sewer and drain backups and damage to underground utility lines. Both companies also offer extra protections for valuables like expensive jewelry and antiques.
In some states, Allstate offers claim forgiveness, which can save you money after a disaster or theft. This is an optional add-on that State Farm doesn’t have.
Home insurance discounts from Allstate and State Farm
Like most companies, State Farm and Allstate give you a discount for getting more than one policy from them. Having smoke detectors, burglar alarms and/or other protective devices can help you save more.
Allstate has a couple of discounts that State Farm doesn’t have. These include a welcome discount when you switch to Allstate from another company. Allstate also has discounts for recent homebuyers and newly constructed homes.
The availability of these and other discounts varies by state. It’s good to ask each company about these and other discounts to make sure none get overlooked.
Allstate vs. State Farm renters insurance comparison
State Farm’s low renters insurance rates give it a slight edge over Allstate for most renters. At $11 a month, State Farm’s rate is 35% lower than Allstate’s rate of $17 a month. Both companies charge less than the national average of $18 a month.
Cheapest renters insurance companies
| Company | Monthly rate |
|---|---|
| State Farm | $11 |
| Allstate | $17 |
| Lemonade | $12 |
| Amica | $17 |
| Progressive | $19 |
| Assurant | $22 |
| Farmers | $23 |
| American Family | $27 |
| All companies | $18 |
Allstate and State Farm offer the same basic renters insurance protections as most other companies. These include coverage for your personal property
How to get insurance quotes from Allstate and State Farm
Allstate and State Farm offer insurance quotes on their websites. Depending on where you live, you may have to work with an agent to finalize your purchase.
Each company has its own exclusive agents. Exclusive agents can’t get you quotes from other companies. This means you have to contact each company separately for quotes.
Frequently asked questions
No. State Farm does not offer accident forgiveness, which prevents an at-fault accident from making your car insurance rate go up. Allstate does offer accident forgiveness as a paid add-on.
State Farm is usually cheaper than Allstate for car and home insurance, but both companies’ rates vary by state. Allstate has cheaper car insurance than State Farm on average in Louisiana and Utah. Allstate has cheaper home insurance than State Farm in eight states, including Alabama, Illinois and Michigan.
State Farm has a cheaper average car insurance rate than Geico, and Allstate is more expensive than both companies. However, each company’s rates vary by customer. Depending on your driving record and where you live, Geico or Allstate may be your cheapest option.
Methodology
How LendingTree gets insurance rates
LendingTree obtains car and home insurance rates from Quadrant Information Services. We obtain renters insurance rates from insurance companies.
Rates are based on an analysis of hundreds of thousands of quotes for typical drivers and homeowners. Prices are shown for comparative purposes only. Your own rates may be different.
Driver profile
Car insurance quotes are for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Car insurance coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits. Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Home insurance coverage limits
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
Renters insurance coverage limits
Renters insurance rates are based on quotes obtained directly from leading companies. Rates are for a 30-year-old single renter with the following coverage limits and deductible:
- Personal property: $20,000
- Loss of use: $9,000
- Personal liability: $100,000
- Guest medical payments: $1,000
- Deductible: $500
How we evaluated Allstate, State Farm and other insurance companies
Our team of insurance experts rated insurance companies basic rates, discounts, coverage options and third-party customer service ratings. We also evaluated the digital experience each company provides on its website and smartphone app. We then weighted these categories based on what customers value in an insurance company.
Third-party ratings services include the National Association of Insurance Commissioners (NAIC) and AM Best. NAIC’s complaint ratings show how often companies are found at fault over customer complaints for things like claims. Financial ratings from AM Best are good indicators of how well a company is run and its ability to pay claims.
See our editorial guidelines and our rating methods for car, home and renters insurance.