Allstate vs State Farm: Which provider is better?

Allstate vs. State Farm

Allstate, the third-largest auto insurance provider in the US, gets high praise from its customers, receiving an A from the Better Business Bureau. They were also recently identified as one of the World’s Most Ethical Companies by the Ethisphere Institute.

Like Allstate, State Farm also gets a “good grade” from the Better Business Bureau – a solid B. And both providers offer ways to save, like Allstate’s EZ Pay Plan discount and State Farm’s Drive Safe & Save discount. With so many similarities, it can be hard to decide between the two. That’s why we pit both side by side so you can choose the one that best suits your needs.

	Allstate	StateFarm
About the provider	Allstate 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.	Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list.
Price	Policy costs depend your personal situation. Visit Allstate for a quote based on your specific needs.	Policy costs depend your personal situation. Visit StateFarm for a quote based on your specific needs.
States served	All 50 states	All 50 states
User satisfaction*	A	B+
J.D. Power ratings**	3/5 on overall claims satisfaction	3/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
	Go to site | Read review	Read Review

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

Driver discounts

	Allstate	StateFarm
Good student	Up to 20% (full-time student, under 25).	Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driver	Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)
Good driver	Up to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years.	Yes (3 years no moving violations or at-fault accidents)
Pay in full discount	Up to 10%
Multicar		Up to 20% (two or more vehicles in household)
Military
Homeowner
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%	Driving training – Varies (all operators under 21 complete approved drivers education) Drive Safe & Safe – Enroll in the State Farm app
	Go to site | Read review	Read Review

Vehicle discounts

	Allstate	StateFarm
Anti-theft device	Up to 10%
Anti-lock brake	10%
Passive restraints	Up to 30%	Up to 40% (medical-related coverage, vehicle made in 1994 or later)
Air bag
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%	Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)
	Go to site | Read review	Read Review

Bottom line

In overall discounts, Allstate is the clear winner. But if those discounts don’t apply to your situation, then there’s no benefit to you. Be sure to keep in mind your personal situation when reviewing the pros and cons of each provider so you can choose the one that best suits your needs.

Compare alternatives to State Farm and Allstate

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Name	Product	Description	Roadside assistance	New car protection	Available states
Progressive		Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.	Included free	Yes, cars under 3 year old & 15,000 miles	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Allstate		Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Included free	Yes, cars under 2 years old	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Liberty Mutual		Car insurance through Liberty Mutual will give coverage options for almost any situation.	Optional	Yes, cars under 1 year old & 15,000 miles	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Metromile		Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.	Optional	Yes, cars under 1 year old & 15,000 miles	AZ, CA, IL, NJ, OR, PA, VA, WA	Go to site More Info	Compare	loading Fetching your data...
Farmers		Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.	Included free	Yes, cars under 2 years old	All 50 states	Go to site More Info	Compare	loading Fetching your data...
Esurance		Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.	Included free	Yes, cars under 1 year old & 15,000 miles	All states except AK, DE, HI, MT, NH, VT, WY	Go to site More Info	Compare	loading Fetching your data...
Root		Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.	Included free	No	AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT	Go to site More Info	Compare	loading Fetching your data...
The General		The General offers affordable coverage for nearly any driver who needs car insurance.	Optional	No	All states except Hawaii, Massachusetts, Michigan and New Jersey	Go to site More Info	Compare	loading Fetching your data...
SafeAuto		Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.	Included free	No	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	Go to site More Info	Compare	loading Fetching your data...
Direct		Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.	Optional	No	AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Go to site More Info	Compare	loading Fetching your data...
Elephant		Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.	Optional	Not specified	IL, IN, MD, TN, TX, VA	Go to site More Info	Compare	loading Fetching your data...

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