Allstate vs. State Farm: Which provider is better?

Allstate vs. State Farm: Which provider is better?

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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.

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Allstate car insurance

Allstate

StateFarm

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

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


Driver discounts

Allstate car insurance

Allstate

StateFarm

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


Vehicle discounts

Allstate car insurance

Allstate

StateFarm

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)

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.

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Compare the best car insurance companies near you.

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