Can't-Miss Facts

  • State Farm offers more affordable pricing than Allstate
  • Both companies offer a wide array of discounts
  • Allstate has better reviews than State Farm

Are you looking for your next insurer? Finding the right insurance provider is a complicated process. We’re going to focus only on Allstate vs. State Farm auto insurance to make it easier.

If you’d like to learn more about Allstate, be sure to read our Allstate Auto Insurance Review for 2020.

So, Allstate or State Farm, which company is best in 2021? Let’s go ahead and find out together. Type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes in your area.

Allstate vs. State Farm: Which is cheaper?

When you start the process of insurance comparison, you probably want to start with something that’s really important to you: price.

So, Allstate or State Farm, who has the best auto insurance coverage rates?

Let’s take a look at a table that will show the average annual auto insurance rates for not only Allstate and State Farm, but all of the main insurance companies.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Rates
State Farm$3,269.80
American Family$3,544.37
Liberty Mutual$6,058.57

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As you can see, Allstate is cheaper than only one company: Liberty Mutual. State Farm, however, is cheaper than American Family, Nationwide, Progressive, Farmers, Travelers, Allstate, and Liberty Mutual.

It’s safe to say that State Farm wins in terms of pricing. If you’d like to learn more about State Farm, be sure to read our article State Farm Auto Insurance Review for 2020.

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Allstate vs. State Farm: Which has better discounts?

If we stress anything to you, let it be this: discounts are important. Accrue as many as you can that are applicable to your life’s circumstances. There are a wide array of discounts, many of which will be shown in the next table. This table shows the discounts offered by Allstate:

Allstate Discounts Availability
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakesx
Claim Freex
Continuous Coveragex
Daytime Running Lightsx
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Electronic Stability Controlx
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehiclex
Fast 5
Federal Employee
Forward Collision Warning
Full Paymentx
Further Education
Good Credit
Good Studentx
Green Vehiclex
Lane Departure Warning
Life Insurancex
Low Mileagex
Military Garaging
Multiple Drivers
Multiple Policiesx
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newer Vehiclex
Newly Licensed
Occasional Operator
On Time Paymentsx
Online Shopper
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintx
Recent Retirees
Roadside Assistance
Safe Driverx
Seat Belt Use
Senior Driverx
Stable Residence
Students & Alumni
Switching Provider
Utility Vehiclex
Vehicle Recoveryx
VIN Etching
Young Driver
Discounts Provided #29

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As you can see, of the 67 discounts listed, Allstate offers 29. What discounts does State Farm offer?

State Farm Discounts Availability
DiscountsState Farm Discount Percentage
Anti-lock Brakes5%
Claim Free15%
Defensive Driver5%
Driver's Ed15%
Driving Device/App50%
Good Student25%
Low Mileage30%
Multiple Policies17%
Multiple Vehicles20%
Newer Vehicle40%
Paperless/Auto Billing$2
Passive Restraint40%
Safe Driver15%
Vehicle Recovery5%

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This table was a little different but still goes to show that State Farm, not unlike Allstate insurance, offers a wide array of discounts.

These range from having safety features in your vehicle (an increasingly common occurrence), to being a defensive driver, to owning multiple vehicles. In short, you have options.

What’s even better about these discounts is a lot of them are as simple as typing your Allstate insurance login or State Farm login into their respective apps.

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Allstate vs. State Farm: Which is available in more states?

When you compare auto insurance policy prices, some companies will pop up in the tool more frequently than others. This is because companies like Allstate and State Farm have spent years in the business building goodwill and expanding.

So, how many states is Allstate currently writing in? It turns out, every last one.

How about State Farm? Well, Allstate is going to win this one because State Farm does not write in Massachusetts, New York, and Wisconsin.

Allstate vs. State Farm: Which has better reviews?

One last thing to look for when you are comparing companies is their ratings from companies like A.M. Best and the Better Business Bureau (BBB).

A.M. Best’s rating system is taken extremely seriously by insurers because it can either ward off or attract customers. Better yet are their Long-Term Issuer Credit Ratings. These exist to instill confidence in regard to the companies’ futures.

A.M. Best’s rating system ranges from A++ down to D. Currently, Allstate has a rating of A+ (Superior) from A.M. Best. State Farm, however, has a rating of A (Excellent). So, while State Farm insurance is rated lower, it’s still pretty close.

As far as Long-Term Issuer Credit Rating goes, State Farm received the highest rating possible of a++. Allstate, however, has recently been demoted from aa to aa-. Because the credit ratings are under review, we can assume that there may be another rating demotion in the future. A clear win for State Farm.

The BBB gave Allstate a rating of A+, which is their highest rating. With that being said, Allstate is not accredited as of this time.

How about State Farm? The BBB gave the also unaccredited State Farm a rating of A. So, in terms of company ratings, Allstate wins.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage options do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your ZIP code and we’ll do the rest!

Hopefully, we have helped you today. But, don’t stop at this comparison. Type your ZIP code into our free and helpful tool below to find and compare auto insurance companies‘ quotes in your area. It’s certainly easier than calling up the Allstate claims department or Jake from State Farm.