Allstate vs. State Farm

Which car insurance do consumers say is best?

Allstate and State Farm are two of the largest car insurance companies in the country. In fact, the two companies ranked as the first and fourth largest insurance companies by car insurance market share in 2017. State Farm accounts for 18.1% of the market while Allstate controls 8.2% of the industry. Combined, Allstate and State Farm are responsible for more than a quarter of all car insurance policies in the nation.

Odds are you’ve seen them advertised everywhere — from your TV, to the sidebar of websites and everywhere in between — but how do these top companies stack up when they are compared against one another? Policyholders have submitted thousands of reviews on Clearsurance for these companies, providing us with the chance to show which company consumers think is the best. So, who do consumers value more: Allstate or State Farm?

Before we dive into the metrics from the thousands of customer reviews, below is more information about Allstate vs. State Farm insurance.

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Jump to: Consumer ratings of Allstate and State Farm

How do auto insurance policies differ between State Farm & Allstate Insurance?

Which car insurance company offers cheaper car insurance rates, Allstate or State Farm? While the rates the companies offer will vary by person and location, we've gathered average national rates to provide a comparison of Allstate and State Farm.

In the table below, compare the average national car insurance rates for Allstate and State Farm for three different driver profiles for male and female. Keep in mind these are only national averages for a certain profile. Your car insurance rates will differ from these depending on where you live, your unique driver profile and your insurance coverages, among other things.

Driver profile	Allstate average rates	State Farm average rates
Male teen	$2,137	$1,967
Male adult	$1,819	$1,418
Male senior	$1,468	$1,062

Driver profile	Allstate average rates	State Farm average rates
Female teen	$1,889	$1,721
Female adult	$1,759	$1,418
Female senior	$1,447	$1,062

To determine the average national rates for male and female drivers for Allstate and State Farm, we created three driver profiles for both males and females and got rates for drivers for each profile. The profiles for male and female drivers were an 18-year-old teen with state minimum coverages and fair credit; a 35-year-old single adult with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and one driving violation in the last three years; and a 65-year-old driver with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and no driving violations in the last three years. Additionally, we averaged the rates in each state we had data for that company. Rate data is provided by Quadrant Information Services.

What should you know about Allstate Insurance?

Allstate Insurance serves more than 16 million households in zip codes across the United States and does so through its network of captive agents. So despite the company's size, Allstate is still able to have a smaller-company feel with its vast group of local agents. Allstate agents only sell Allstate products, but they can help you find homeowners, pet, life, and many other policies.

Allstate offers a basic car insurance policy which includes liability coverage, medical payments coverage, collision and comprehensive coverage as well as rental reimbursement, uninsured motorist coverage, and roadside coverage options. They can also protect your car's sound system and can provide a personal umbrella policy alongside your car insurance. Allstate also offers a variety of auto insurance discounts for your car's safety and anti-theft features.

Additionally, Allstate Insurance offers a few unique offerings, such as Drivewise. Drivewise is Allstate’s car tracking program that qualifies its policyholders for a discounted car insurance rate depending on how they drive. Allstate consumers earn a 5% cash back for starting the Drivewise program and can save up to 13% every six months depending on how they drive. You can learn more about Drivewise here.

Another unique Allstate coverage is Allstate's Ride for Hire program. For those drivers who drive for a transportation network company (TNC), such as Uber or Lyft, Allstate offers a program that fills in the gaps between your personal policy and an insurance policy offered by the TNC. While you'll see an increase in your insurance premiums, Allstate advertises on its website that you can get protection for as little as $15-20 a year. The value of filling that liability gap could easily be in the thousands.

Allstate's safe driving bonus is a program designed to reward drivers with various ways to save. You can get a bonus check in the mail for every six months you go without an accident. It can also help lower your deductible your collision deductible is lowered $100 the day you sign up and drops $100 each subsequent year you remain accident-free (up to $500).

As you can see, Allstate's discoun

Read Allstate reveiws

What should you know about State Farm?

State Farm, based out of Bloomington, Illinois, is well-known for its vast network of agents. So despite being the largest car insurance company in the country, State Farm still prides itself on a local feel by employing more than 18,000 agents nationwide.

State Farm offers the standard car insurance coverages (liability coverage, collision coverage, comprehensive coverage, medical payments coverage), plus rental reimbursement and uninsured motorist coverage as well as emergency road service. The auto insurance provider also provides rideshare insurance and PayOff Protector (similar to gap insurance). State Farm has a variety of discounts which will be listed below.

Among the additional programs State Farm offers is its Drive Safe and Save discount. By allowing State Farm to track your driving through your mobile device or your vehicle's OnStar system, you could qualify for a discount of up to 50 percent, according to State Farm. To learn more about car tracking device programs, including State Farm's Drive Safe and Save, check out our blog.

State Farm also caters to drivers who drive for companies like Uber or Lyft. Offering a rideshare coverage program, State Farm says that it typically costs about 15 to 20 percent more than your normal, personal State Farm premium.

State Farm also caters to drivers who drive for companies like Uber or Lyft. Offering a rideshare coverage program, State Farm says that it typically costs about 15 to 20% more than your normal, personal State Farm premium.

State Farm also offers ways for younger drivers to earn savings. In addition to a good student discount, State Farm also has an initiative called the Steer Clear Driver Program. If you're under the age of 25 and have been accident and violation-free for at least the past three years, you can complete the Steer Clear program to earn a discount. Take the time to ask your insurance agent, or research details online, to learn more about discounts available to you.

So how do consumers rate the largest auto insurance companies in the country? Check out the tables below to see State Farm ratings from consumers and how they compare with Allstate's ratings, discounts and additional features.

Read State Farm reveiws

Do consumers prefer Allstate or State Farm?

Consumers value many things. In most cases, though, people just want low prices with good coverage. Allstate Insurance and State Farm both provide well-known names with plenty of history to back them up. They work with drivers with different driving histories and more. If you have poor credit or other issues, both companies can work with you. You may just have to pay higher rates.

Customer service is high with both companies, and both offer a range of insurance products to fit into your life. The best way to find out which is best for you is by running insurance quotes. Compare prices side by sides for auto insurance, renters insurance, and more.