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Compare Allstate vs. State Farm Car Insurance

What’s the difference between Allstate Auto Insurance and State Farm Car Insurance? See how our editors compare the two companies below.
Last Updated: December 12, 2024
Allstate Auto Insurance
4.4 / 5 - Excellent
#10 in Car Insurance
State Farm Car Insurance
4.3 / 5 - Excellent
no_rank
vs

Key Facts

  • Best for Comprehensive Coverage Options
  • Wide range of discounts, coverage options & add-ons
  • Safe Drivers Can Save Up To 40% Or More
  • Best for Reliable Claims Process
  • 24/7 customer service & strong network of local agents
  • Discounts for safe drivers and bundling

OVERALL RATINGS

 AllstateState Farm
Coverage4.8/54.5/5
Financial Strength4.5/54.5/5
Supplemental Coverage0.0/50.0/5
Pricing & Discounts4.5/54.5/5
Claims Satisfaction & Customer Experience4.7/54.5/5
Automation4.5/54.5/5

Coverage Compared

Basic Coverage

Allstate
vs
State Farm
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Allstate
vs
State Farm
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Rental Reimbursement
  • Towing & Labor Cost

Coverage Fine Print

Satisfaction Guarantee Driver Monitoring Device Redeemable Rewards Points Accident Forgiveness Mobile App Preferred Repair Service Deductible Rewards New Car Replacement Car Buying Service
Mobile App 24/7 Claims Processing

What do their customers think?

National Association of Insurance Commissioners

 AllstateState Farm
NAIC Complaint Ratio
1.03
2.58
NAIC Total Complaints 2020
343
9,444

Customer Ratings

 AllstateState Farm
BBB Rating
A-
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
2
Number of BBB Negative Reviews
134
Date Collected
2017-09-21
2017-10-10
*The NAIC Car Insurance complaint ratio (in this case 1.03) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.
*The NAIC Car Insurance complaint ratio (in this case 2.58) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Comparing Financial Stregnth

Key Details

 AllstateState Farm
Underwriter
Allstate
State Farm Mutual Automobile Insurance Company
Premiums Written 2020
$20,813,857,600
$39,194,660,434
Marketshare
9.72%
18.3%
AM Best Financial Rating
A+
A++
Moody's Financial Rating
Aa3
A2
Standard & Poor's Financial Rating
AA-
AA
*The above information reflects the financial strength of the underwriter of the Allstate car insurance policies: Allstate.
*The above information reflects the financial strength of the underwriter of the State Farm car insurance policies: State Farm Mutual Automobile Insurance Company.

Pricing & Discounts

 AllstateState Farm
Per Mile Pricing Available?

Discounts

Allstate
vs
State Farm
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

Allstate
vs
State Farm
  • Full/Automatic Payment

Discounts Fine Print

Digital Signup Early Signing Responsible Payer New Car
Defensive Driving Course Discount - Customers in specific areas may qualify for an additional discount by taking a driver safety course.

Driver Training Discount - Offers a discount for vehicle operators under the age of 21 who complete an approved driver education course.

Passive Restraint Discount - 1993 and older vehicles equipped with a factory-installed air bag or other passive restraint systems can receive a discount up to 40% on medical-related coverage.

Contact & Additional Information

 AllstateState Farm
Homepage URL
Company Phone
(877) 810-2920
(800) 782-8332
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
One State Farm Plaza, Bloomington, IL, 61710
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931
1922

Final Verdict

Allstate Auto Insurance has a higher overall rating than State Farm Car Insurance. Allstate scores better than State Farm across: Coverage, and Claims Satisfaction & Customer Experience. However, State Farm scores better on Supplemental Coverage. Both companies score similarly on Financial Strength, Pricing & Discounts, and Automation.


Customer Comments & Reviews

Carl M
8/25/2024
State Farm Car Insurance review
I had SF car insurance for over 50 years, with only about 4 claims in all that time. I also have had my Homeowners policy with them (combined, off and on) for about 15 years. You would think they would offer better loyal customer, senior, or military discounts than they do. With the gigantic increases this year (Homeowners went up over $600 py) for the first time, I am seriously considering going to a cut rate company so we can afford at least some coverage. Very disappointed in SF after being a loyal customer for so long!


W
William
1/17/2022
Allstate Auto Insurance review
More expensive insurance but their service is good. Always check to make sure they give you all discount credit on what your auto qualifies for as they will miss some!


E
erlinda h
1/13/2020
State Farm Car Insurance review
Angel Hall state farm ins agency/Palm coast Florida....Brianna took all the informations from me for Auto and Homeowners policies! She was very friendly,,efficient and pleasant.. Although my coverage is not in effect yet,I feel that I would like the services of this agency! It's so close to home but first and foremost Ifeel very welcomed and important! Thank you ERLINDA HOUSE


Kiersten M
1/15/2019
State Farm Car Insurance review
Been insured with State Farm for over 27 years on homes and autos. I moved from Indiana to Florida almost 3 yrs ago...my rates have increased 5-10% every 6 months since moving to Florida, whereas I barely had even a $3 increase each YEAR, if any at all on the same vehicle, while living in Indiana. I believe agents, and their greediness, have A LOT to do with any insurance experience. I used the roadside assistance coverage for the first time in those 27 yrs and the experience was painless...I’ll never change another tire myself again, as the cost of coverage is pennies!


G
Golda Y
7/18/2018
State Farm Car Insurance review
We have had State Farm bundling everything since we were married 50 years ago. I think this insurance is as good as your agent. A good agent is an advocate for the client. I have never seen my current agent but she had a very competent & customer savvy front person. Since that person left after about 10 years, I am very disappointed. Nobody reviews my insurance or finds the discounts for us. I have to initiate and even when they are applied the rates still increase. I am thinking of looking at Shelter Insurance where the girl who was so customer friendly went. How often are the agents claiming credit that their staff deserves?