Allstate vs State Farm
Side-by-side car insurance comparison based on rates across all available locations
Allstate
3.9Avg Monthly
$156/mo
Best Rate
$82/mo
Best For
Bundle savings
Top Discount
Multi-policy 25%
Founded
1931 · Northbrook, Illinois
Available In
14 locations
State Farm
4.5Avg Monthly
$101/mo
Best Rate
$56/mo
Best For
Overall value
Top Discount
Multi-policy 17%
Founded
1922 · Bloomington, Illinois
Available In
50 locations
Advertisement
Rate Comparison by State
Advertisement
Pros & Cons
Allstate
Pros
- ✓Drivewise telematics rewards safe driving habits
- ✓Broad network of local agents
- ✓New car replacement and gap insurance available
- ✓Deductible rewards programme reduces your excess over time
Cons
- ✗Rates tend to be above average versus national competitors
- ✗Some claims processes reported as slow by policyholders
State Farm
Pros
- ✓Largest agent network in the US for local, in-person service
- ✓Consistently high customer satisfaction scores
- ✓Competitive rates for multi-policy bundles
- ✓Broad product range: auto, home, life, health, business
Cons
- ✗Premiums can be above average in some states
- ✗Digital tools lag behind online-first competitors
Which Should You Choose?
State Farm is the cheaper option in 14 of 14 states where both insurers operate, saving an average of $30/month. Allstate is cheaper in 0 states.
State Farm has a higher average customer rating (4.5/5) compared to Allstate (3.9/5). However, ratings can vary by state and coverage type.
Allstate is generally best for bundle savings, while State Farm stands out for overall value. The right choice depends on your priorities — lowest price, best service, or specific discounts.
Advertisement