Allstate vs. Farmers: Best Auto Insurance for 2021

Today we're going to compare Allstate vs. Farmers auto insurance. Farmers tends to offer cheap prices. Both Allstate and Farmers are well-reviewed by companies like A.M. Best and the Better Business Bureau, but whereas Allstate is not BBB accredited, Farmers is. Both companies offer many discounts, but Farmers offers more than Allstate.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Feb 24, 2021

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Can't-Miss Facts

  • Farmers insurance offers more competitive pricing than Allstate
  • Farmers offers a wider array of discounts than Allstate
  • Farmers and Allstate are both well-reviewed companies, but Farmers has the edge

If you're here with us today, you are most likely looking for your next insurer. It's a complicated process, so we're going to focus on just Allstate vs. Farmers. If you'd like to learn more about Allstate, be sure to read our Allstate review.

Before learning more about Allstate vs. Farmers, type your ZIP code into our free tool above to find affordable auto insurance quotes in your area. Be informed before you buy auto insurance.

Allstate vs. Farmers: Which is cheaper?

When comparing insurers, it's best to start with what is most important: price. Who has the best auto insurance rates?

Let's take a look at a table that will show the average annual auto insurance premiums not just for Allstate and Farmers, but for all of the main insurance companies.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Rates
USAA$2,539.87
GEICO$3,213.97
State Farm$3,269.80
American Family$3,544.37
Nationwide$3,449.80
Progressive$4,018.46
Farmers$4,166.22
Travelers$4,462.02
Allstate$4,896.81
Liberty Mutual$6,058.57

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As you can see, of the 10 insurers shown, Allstate is cheaper than only one competitor: Liberty Mutual. Farmers, however, is cheaper than three: Travelers, Allstate, and Liberty Mutual.

So, Farmers wins in terms of pricing. Let's see how these companies do in terms of discounts. Furthermore, if you'd like to learn more about Farmers, read our Farmers review.

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Allstate vs. Farmers: Which offers better discounts?

If you get anything from this, let it be that discounts are incredibly important. If you stack up discounts that are relevant to your life, you'll see your premiums dissipate. Let's now take a look at a table that will show a wide array of discounts that are offered by these big companies.

Auto Insurance Discounts Available by Company
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYes
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesNoYes
Driving Device/AppNoYesYesYesNoYesNoYesNoYesYesYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesYesYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesNoNoYes
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYes
Further EducationNoNoNoNoYesNoYesYesYesYesYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNo
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNo
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYes
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNo
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesNoYesNoNoYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoNoYesNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoYesYesYesYesNo
NewlywedsNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoYesYesNo
OccupationNoNoYesNoNoNoYesYesYesNoYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoYesYesYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoYesNoNoYes
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesNoYes
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoNoNoYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesNoYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoYesNoNoNoNo
RenterNoNoNoNoNoYesNoYesNoNoYesYesNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoYesNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYes“NoNo
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYes
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNo
Switching ProviderYesNoNoYesNoYesNoYesYesNoYesYesNoYes
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYes
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYes

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As you can see, of the 67 discounts shown, Farmers offers 35. Allstate Insurance offers 29 discounts. There are a great many discounts to take advantage of, provided they're applicable to your circumstances.

There are discounts ranging from paying your bills on time to having safety features in your car.

What's great is a lot of these are very simple, even as simple as just typing in your Allstate insurance login on the respective app. Let's move on and see which auto insurance company is rated higher.

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Allstate vs. Farmers: Which has better ratings?

When comparing insurers, be sure to look at the ratings given to them by companies such as A.M. Best and the Better Business Bureau.

A.M. Best has a rating that ranges from A++ all the way down to a rating of D. Allstate currently has a rating of A+ (Superior). Farmers, however, has a lower rating of A (Excellent). With that being said, Farmers' rating has been placed under review by A.M. Best.

Allstate currently has a rating of A+ from the Better Business Bureau, but it is not accredited. Farmers also has a rating of A+ but, unlike Allstate, it is accredited. So, in short, Farmers also wins in terms of company ratings.

All in all, it looks like Farmers is the winner when comparing these two companies. But don't stop at this comparison.

Now that you know more about Allstate vs. Farmers insurance, type your ZIP code into our free tool below to find affordable auto insurance quotes in your area. This is certainly easier than, say, inquiring through the Allstate claims department.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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