Which is better, Allstate or State Farm?


Editorial team Published on

State Farm is generally better than Allstate for cost and customer satisfaction, but Allstate is better for drivers with poor credit or those wanting unique add-on coverages.

📊 Cost Comparison

  • State Farm: Lower average rates for auto, home, and renters insurance.
  • Allstate: Higher average rates, but cheaper for drivers with poor credit.
  • Averages: State Farm full-coverage auto costs less than Allstate on average.

✅ State Farm Advantages

  • Lower Rates: Cheaper premiums for most clean-record and high-risk drivers.
  • Customer Service: Higher satisfaction scores from J.D. Power for local agent support.
  • Renters Insurance: Cheaper average monthly premiums.

💡 Allstate Advantages

  • Bad Credit: Better rates for drivers with low credit scores.
  • Coverage Extras: More unique add-ons like standard accident forgiveness.
  • Pay-Per-Mile: Offers Milewise, a flexible pay-per-mile driving plan.

🔎 Quick Decision Guide

  • Choose State Farm if you want lower monthly bills and strong local agent service.
  • Choose Allstate if you have poor credit or want specialized policy add-ons.
  • Always compare personalized quotes for your specific zip code before deciding.