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Allstate vs State Farm car insurance

Allstate vs State Farm: Who has better car insurance?

Updated

Fact checked

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.

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

State Farm

OVERVIEW

OVERVIEW
About the provider
About the brand Your dedicated agent can help you find the best savings with multiple discounts and rewards programs. Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232.
States served
States served All 50 states All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
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
6 months
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, Up to 20%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes, up to 40%
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, Up to 25%
Usage based discount
Usage based discount Yes - up to 20% cash back No
Learn more
Learn more

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. Review the pros and cons of each provider so you can choose the insurance that best suits your needs.

Compare alternatives to State Farm and Allstate

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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