Allstate vs. State Farm Car Insurance Comparison [2024]
Allstate's average monthly rates amount to a low $105, while State Farm's average rates stand higher at $123 per month. If you find yourself contemplating between Allstate and State Farm for your car insurance, we recommend exploring our detailed Allstate vs. State Farm car insurance comparison below.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate and State Farm are competitors and not cheaper than the other
- You will have to determine which of the two is better suited to fit your needs
- Discounts are offered by both companies, so make sure to figure out which ones apply to your situation
Both are major car insurance companies with exceptional records with insurance rating companies.
Major carriers attribute differences in plans and discount programs to determine your car insurance base rate. Your profile, encompassing factors like location, credit history, and driving records, influences this rate.
You can get online car insurance rates by simply entering your ZIP code here!
What types of car insurance plans are offered by State Farm?
State Farm is said to be the number one car insurance company in the country. Wherever you live, State Farm has a plan to suit your car insurance needs based on state requirements. This company is licensed to conduct business in all 50 states. Drivers throughout the country utilize common types of coverage such as:
- Property Damage Liability
- Bodily Injury Liability
- Uninsured or Underinsured Motorist Coverage
- Comprehensive Car Insurance Coverage
- Collision Car Insurance Coverage
- Personal Injury Protection
Many people include medical payment, roadside assistance, and rental reimbursement as inclusions as well.
Check out our State Farm car insurance review to learn more.
Read more: Geico vs. Allstate Car Insurance Comparison
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What types of car insurance plans are offered by Allstate?
Allstate breaks your coverage options down by state. An example would be the requirements in Virginia, which does not include medical expenses or uninsured or underinsured motorist protection.
Virginia requires those that may not be able to obtain immediate car insurance coverage to pay an uninsured motorist fee of $500. Drivers in Connecticut are required to carry uninsured motorist bodily injury protection. They also have the Graduated Driver Licensing law, which includes teen driver restrictions. Insurers like Allstate and State Farm are required to assist in the enforcement of these laws.
Visit our Allstate car insurance review to learn more about the company.
What discount programs are offered by State Farm?
There seems to be a discount war in progress with car insurance companies and these giants are two of its main participants. Some of the discounts offered by State Farm are as follows:
- Steer Clear Discount Program
- Senior Discounts
- Safe Driver Discounts
- Multiple Car Discounts
- Multiple Line Discounts
The Steer Clear discount program is designed for your teens, but you can take advantage of the many discounts for the adults in the home as well. Check out our guide to State Farm car insurance discounts for more information.
What discount programs are offered by Allstate?
Allstate has its own slant on auto insurance discounts. They offer more than 40 policy discounts, which include examples such as:
- Vehicle Equipment Discounts
- Safe Driver Discount
- Early Signing
- Good Student
These discounts are not exclusive to Allstate, as many insurers offer the same discounts under different names. The vehicle equipment discounts offered by Allstate are for airbags, anti-lock brakes, and other factory safety equipment. Security systems are good for another discount. Allstate also offers an accident forgiveness program, although not in every state.
It is usually the amount of the discount that makes the difference between what is offered at Allstate versus what is offered at State Farm.
If you have teen drivers in the home, that good student discount will certainly come in handy for your family. If you renew your policy before it expires, you become eligible for an early signing discount.
Check out our guide to Allstate car insurance discounts to learn more.
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What do online reviews say about Allstate and State Farm?
People online offer the real feedback as to whether there is a difference in the auto insurance rates offered by State Farm and Allstate.
After reading customer reviews, we found that one reviewer noted that Allstate is about 25% cheaper on their annual premium quotes than State Farm. State Farm customers of 15 years received a lesser quote from Allstate but found customer service to be slow in responding.
The reviewer wondered whether he would be compromising service for a lesser rate. Are you willing your make that sacrifice?
You can be the judge of which online car insurance quotes are cheaper by entering your ZIP code in the search tool below!
Frequently Asked Questions
Is Allstate cheaper than State Farm for car insurance?
The rates for Allstate and State Farm vary depending on multiple factors, so it’s best to compare quotes to determine which is cheaper for you.
What types of car insurance plans does State Farm offer?
State Farm offers various coverage options, including liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.
What types of car insurance plans does Allstate offer?
Allstate offers coverage options based on state requirements, such as liability coverage, personal injury protection, and uninsured/underinsured motorist coverage.
What discount programs does State Farm provide?
State Farm offers discounts like the Steer Clear program for teens, multiple vehicle discounts, good student discounts, and more.
What discount programs does Allstate provide?
Allstate offers over 40 policy discounts, including safe driving discounts, anti-theft device discounts, early signing discounts, and discounts for good students.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.