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Allstate vs Farmers: Which provider is right for you?

Allstate vs Farmers car insurance

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Fact checked

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.

Our top pick: Allstate

Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

  • Stack discounts up to 30%
  • Earn points and rewards with safe driving
  • Get claims paid through direct deposit
  • Opt for extras like accident forgiveness, ridesharing or sound system coverage
 

Allstate

Farmers

OVERVIEW

OVERVIEW
About the provider
About the brand Your dedicated agent can help you find the best savings with multiple discounts and rewards programs. Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Online
Phone
Payment schedule
Payment schedule 12 months
Monthly
12 months
custom
Monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Up to 10% Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount No No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Up to 10% Yes
Special employment discount
Special employment discount Yes No
Student discount
Student discount Up to 20%, under 25 Yes
Usage based discount
Usage based discount Yes - up to 20% cash back No
Learn more
Learn more

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.

Not into either insurer? Compare car insurance alternatives.

Compare alternatives to Allstate and Farmers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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