Allstate vs. Farmers: Which provider is better?

Allstate vs. Farmers: Which provider is right for you?

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Allstate vs. Farmers

Allstate and Farmers are both big names in the insurance industry. Both have been around for 85+ years, and both get high marks from the Better Business Bureau.

With Allstate, you have access to a multitude of options — including roadside assistance and rental car assistance — designed to complement your plan in all the right ways. While Farmers offers options and support to help you find the coverage you need. And both companies provide discounts to bring down the cost of your insurance.

With all of these similarities, how do you choose between the two? We’ve helped to make that decision easier by pairing the two side by side in a comprehensive comparison.
Check out all of the details below.

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AllstateAllstateFarmers insuranceFarmers
AboutAllstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute.“Serving America since 1928”, Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to insure that customers have peace of mind with its award-winning Farmers Claim Services.
PricePolicy costs depend your personal situation. Visit Allstate for a quote based on your specific needs.Policy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.
States servedAll 50 statesAll 50 states
User satisfaction*AA-
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

AllstateAllstateFarmers insuranceFarmers
Good studentUp to 20% (full-time student, under 25). Yes (B average or 3.0 GPA or higher)
Defensive driverUp to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)No
Good driverUp to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years.Yes
Pay in full discountUp to 10%No
Multi carNo
MilitaryNoNo
HomeownerNoYes
Other discounts
  • Drivewise – Up to 20% cash back (based on everyday safe driving)
  • EZ pay plan discount – Up to 5% (automatic withdrawal)
  • Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online)
  • Auto/life discount – Varies
  • Multi policy discount – Up to 10%
  • Early signing discount – Up to 10% (sign 7 days before policy becomes effective)
  • Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months)
  • Senior discount – Up to 10% (55+, not seeking full-time employment)
  • Safe drivers discount – Up to 45%
  • TeenSMART discount – Up to 10%
  • Distant students – 23 or younger, 100+ miles away from home
  • Teen driver – Single licensed driver under 19
  • Youthful driver – Driver under 25 in the household
  • Transfer discount – Switch to Farmers with no lapse in coverage

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Vehicle discounts

AllstateAllstateFarmers insuranceFarmers
Anti-theft deviceUp to 10%Yes
Anti-lock brake10%Yes
Passive restraintsUp to 30%Yes
Air bagYesYes
Other discounts

  • New car – Up to 30% (First owner, car under 2 years old)
  • Economy car – Up to 10%
  • Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)
  • Farm vehicle – Up to 10%

 

  • Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol

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Bottom line

Both Allstate and Farmers do well in the customer service department, and both offer an equal amount of discounts. Your best bet is to keep your personal situation in mind when deciding. Looking for a defensive driver discount? Then Allstate is the way to go. But if you’re looking for a discount for your hybrid car, go with Farmers.

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Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

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