Allstate vs. State Farm Car Insurance

In our recent evaluation of the best overall car insurance provider, we named State Farm the best value insurer. Allstate was best for landlords and homesharing in our ranking of insurers with home and auto bundle savings.

Here’s a high-level comparison of the two companies:

Allstate Is Better For:

• Customers who prefer to purchase policies online
• Those with poor credit or DUIs
• Drivers who may benefit from accident forgiveness

State Farm Is Better For:

• Most drivers with clean records and good credit
• Drivers who prioritize customer service
• Those who drive fewer-than-average miles each year

State Farm is cheaper on average than Allstate for every driver profile we looked at, except those with DUIs or low credit. It’s still worth getting quotes from both companies as these figures are just averages, which can differ from your actual rate.

Both State Farm and Allstate offer standard coverage types, which include liability, comprehensive, collision, uninsured/underinsured motorist, medical payments, and personal injury protection.

They also offer optional coverages you can add to your policy, including those in the table below. Some options might not be available in every state, so confirm with an agent if you’re unsure.

*Vehicle loans from State Farm Bank include Payoff Protector coverage, which is similar.

State Farm and Allstate both offer a good number of auto insurance discounts, including common ones like bundling. That said, both companies don’t offer certain discounts commonly offered by other major insurers, like continuous insurance and homeowner discounts.

Some discounts are only available from one company or the other. For example, State Farm has a discount for low mileage, while Allstate does not. Conversely, while Allstate offers a new car discount, State Farm does not.

Take a look at the list of major discounts from both companies below. Discounts vary by state, and not all may be available where you live, so ask an agent which ones apply to you.

Allstate vs. State Farm Telematics Programs

Allstate and State Farm both offer telematics discount programs. Allstate has Drivewise, and State Farm has Drive Safe & Save and Steer Clear, the latter of which is for drivers under 25 who earn a discount for completing driving-focused training in the app.

Drivewise operates using Allstate’s mobile app only, while Drive Safe & Save uses a plug-in Bluetooth beacon that works in tandem with State Farm’s app. With both programs, you agree to track your driving habits and receive a corresponding discount for safe driving.

State Farm’s Drive Safe & Save offers a discount of 5 to 10 percent at signup and up to 30 percent upon renewal. This program is not available in California, Massachusetts, or Rhode Island. Allstate Drivewise doesn’t specify a discount, but previously offered up to 10 percent off at signup and up to 40 percent at renewal. Drivewise is not available in California or Alaska.

Drivewise ranked slightly higher in J.D. Power’s 2025 U.S. Auto Insurance Study, with a score of 649 compared to Drive Safe & Save’s 643. The average score in the study was 643.¹

State Farm wins over Allstate when it comes to customer service, according to various industry studies. Here’s how the companies compare:

Claims Satisfaction

State Farm received a score of 716 out of 1,000 in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, which is above the average of 700.² Allstate scored 693 out of 1,000, or below average.

Meanwhile, Allstate and State Farm had nearly identical scores of D+ on the 2026 CRASH Network Report Card, which tracks auto shops’ experiences dealing with insurers. None of the 10 largest insurers scored above a C+.³

Customer Service

J.D. Power’s 2025 U.S. Auto Insurance Study evaluates overall customer satisfaction with insurers. In this study, State Farm outscored Allstate in every region except Florida and New England. State Farm scored at least at the average or above in every region except California, New England, New York, and North Central.

Allstate also ranked below average in all regions except Florida and New England. In these areas, it scored above average.

Here’s a breakdown of each company’s score (out of 1,000) by region:

State Farm also has a lower complaint index than Allstate, according to the National Association of Insurance Commissioners (NAIC). As of 2026, State Farm had a complaint index of 1.80,⁴ while Allstate’s was 4.30.⁵ The average is represented by an index of 1, which means both companies get more complaints than expected for an insurer of their size.

Shopping

According to J.D. Power’s 2025 U.S. Insurance Shopping Study, customers tend to be more satisfied with the process of purchasing a policy from State Farm than with Allstate.⁶ The study accounts for factors like policy offerings, quote process, and distribution channel.

Allstate and State Farm both have intuitive mobile apps and online platforms. Using their online tools, policyholders can access policy information, file claims, get roadside assistance, and more. Here’s a breakdown of each app:

State Farm edged out Allstate in J.D. Power’s 2025 U.S. Insurance Digital Experience Study. The two companies performed similarly in the Service category, with both scoring higher than average.⁷ However, in the Shopping category, State Farm far outperformed Allstate.

State Farm’s higher Shopping score is noteworthy since it lets customers start quotes online, but requires them to complete purchases by phone. This indicates that customers may appreciate the personalized experience they get when purchasing a State Farm policy through an agent.

Both Allstate and State Farm are reputable national insurers, but State Farm generally offers cheaper average rates for most drivers and better customer service.

However, you might want to check out Allstate if you have DUI or low credit, you drive fewer than 7,500 miles annually, or you want more specialized coverages like gap coverage or accident forgiveness. State Farm also doesn’t allow customers to purchase policies online or offer accident forgiveness, so keep this in mind if these are deal-breakers.

Both companies have a good number of discounts, as well as telematics programs that track driving habits and reward safe driving. Keep in mind Allstate’s telematics program may raise your rate for risky driving. We recommend getting a quote from both companies before deciding on a provider.

At AutoInsurance.com, we use four key factors to evaluate auto insurers:

• Price (40%): We analyze average premiums for both full and minimum coverage for a standard driving profile of a good driver with good credit. We also looked at rates for other driver profiles, including those with violations or low credit scores. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): An auto insurer’s claims handling process should be quick, transparent, and efficient, with clear communication, fair evaluation of damages, and timely payment or resolution. We assess claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Global Ratings. We also include real-life customer experiences when possible.
• Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, such as accident forgiveness, gap coverage, rideshare coverage, and more.

Read more about our ratings and methodology.