Allstate vs. Farmers: Best Auto Insurance for 2023

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.

UPDATED: Oct 12, 2023Fact Checked

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Written by:

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

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Written by Michael Leotta

Insurance Operations Specialist

Reviewed by:

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

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Reviewed by Michelle Robbins

Licensed Insurance Agent

UPDATED: Oct 12, 2023

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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: Oct 12, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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

Company	Average 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

Discounts	21st Century Discounts Offered	AAA Discounts Offered	Allstate Discounts Offered	American Family Discounts Offered	Ameriprise Discounts Offered	Amica Discounts Offered	Country Financial Discounts Offered	Esurance Discounts Offered	Farmers Discounts Offered	Geico Discounts Offered	Liberty Mutual Discounts Offered	MetLife Discounts Offered	Nationwide Discounts Offered	Progressive Discounts Offered
Adaptive Cruise Control	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes
Adaptive Headlights	No	No	No	No	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes
Anti-lock Brakes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Anti-Theft	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Claim Free	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Continuous Coverage	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes
Daytime Running Lights	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Defensive Driver	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Distant Student	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	No	No	Yes	Yes
Driver's Ed	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes
Driving Device/App	No	Yes	Yes	Yes	No	Yes	No	Yes	No	Yes	Yes	Yes	Yes	Yes
Early Signing	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Electronic Stability Control	No	No	Yes	Yes	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes
Emergency Deployment	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Engaged Couple	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No
Family Legacy	No	No	No	Yes	No	Yes	No	No	No	Yes	No	Yes	Yes	Yes
Family Plan	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	Yes	No
Farm Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No
Fast 5	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No
Federal Employee	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No
Forward Collision Warning	No	No	No	No	No	Yes	Yes	No	No	No	Yes	No	No	Yes
Full Payment	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes
Further Education	No	No	No	No	Yes	No	Yes	Yes	Yes	Yes	Yes	No	Yes	No
Garaging/Storing	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No
Good Credit	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes
Good Student	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Green Vehicle	Yes	No	Yes	No	No	No	No	Yes	Yes	No	Yes	No	No	No
Homeowner	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Lane Departure Warning	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes
Life Insurance	No	No	Yes	No	No	No	No	No	No	No	No	No	Yes	No
Low Mileage	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Loyalty	No	No	No	Yes	Yes	Yes	Yes	No	No	Yes	No	Yes	Yes	Yes
Married	No	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes
Membership/Group	No	Yes	No	No	Yes	No	No	Yes	No	Yes	Yes	Yes	Yes	No
Military	No	No	Yes	No	No	No	No	Yes	Yes	Yes	Yes	Yes	No	No
Military Garaging	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Multiple Drivers	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No
Multiple Policies	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	No	Yes
Multiple Vehicles	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
New Address	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
New Customer/New Plan	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No
New Graduate	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Newer Vehicle	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	No	No	No	No	No
Newly Licensed	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No
Newlyweds	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Non-Smoker/Non-Drinker	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No
Occasional Operator	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes	No
Occupation	No	No	Yes	No	No	No	Yes	Yes	Yes	No	Yes	Yes	Yes	No
On Time Payments	No	No	Yes	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No
Online Shopper	No	No	No	No	No	No	No	Yes	No	No	Yes	No	No	Yes
Paperless Documents	No	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	No	Yes
Paperless/Auto Billing	No	No	Yes	Yes	No	Yes	No	Yes	Yes	No	No	No	Yes	Yes
Passive Restraint	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Recent Retirees	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No
Renter	No	No	No	No	No	Yes	No	Yes	No	No	Yes	Yes	No	No
Roadside Assistance	No	No	No	No	Yes	No	No	Yes	No	No	No	No	No	No
Safe Driver	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	Yes	Yes
Seat Belt Use	No	No	No	No	No	No	No	No	No	Yes	No	Yes	No	No
Senior Driver	Yes	No	Yes	No	No	No	No	Yes	Yes	No	No	Yes“	No	No
Stable Residence	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes
Students & Alumni	No	No	No	Yes	No	No	No	Yes	No	Yes	Yes	Yes	Yes	No
Switching Provider	Yes	No	No	Yes	No	Yes	No	Yes	Yes	No	Yes	Yes	No	Yes
Utility Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No
Vehicle Recovery	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes
VIN Etching	No	No	No	No	No	No	No	Yes	Yes	No	Yes	Yes	Yes	Yes
Volunteer	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Young Driver	Yes	No	No	No	No	No	Yes	No	No	No	Yes	No	No	Yes

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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. If you find that Allstate is better for you, read more about how you can cancel your auto insurance policy with Farmers if it’s your current provider.

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.

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Written by:

Michael Leotta

Insurance Operations Specialist

Full Bio →

Written by Michael Leotta

Insurance Operations Specialist

Reviewed by:

Michelle Robbins

Licensed Insurance Agent

Full Bio →

Reviewed by Michelle Robbins

Licensed Insurance Agent

Allstate vs. Farmers: Best Auto Insurance for 2023

Free Car Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Allstate vs. Farmers: Which is cheaper?

Allstate vs. Farmers: Which offers better discounts?

Allstate vs. Farmers: Which has better ratings?

Free Auto Insurance Comparison

Allstate vs. Farmers: Best Auto Insurance for 2023

Free Car Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Allstate vs. Farmers: Which is cheaper?

Allstate vs. Farmers: Which offers better discounts?

Allstate vs. Farmers: Which has better ratings?

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