Should I switch from State Farm to Allstate?


Editorial team Published on

State Farm is generally cheaper and scores higher for customer satisfaction than Allstate, making a switch to Allstate rarely worth it unless you have poor credit or need specific perks like pay-per-mile or accident forgiveness.

Cost Comparison

  • State Farm: On average, full-coverage auto insurance is around $144 to $184 per month ($2,204/year), which is cheaper than Allstate in most states.
  • Allstate: Average full-coverage rates run higher at about $248 per month ($2,941/year).
  • Exceptions: Allstate tends to offer lower rates for drivers with poor credit or in a few specific states like Louisiana and Utah.

Coverage & Perks

  • State Farm: Excels in local agent service, higher J.D. Power customer satisfaction scores, and better discounts for young/student drivers.
  • Allstate: Offers unique features like pay-per-mile insurance (Milewise), accident forgiveness options, and strong digital/mobile app tools.

Alternative Options

  • GEICO or regional insurers (such as Erie or Auto-Owners) often beat both companies on price.
  • USAA is usually the top choice if you are military-eligible.