Who is cheaper, State Farm or Allstate?
Asked by: Daryl Dibbert | Last update: September 13, 2025Score: 4.9/5 (75 votes)
Is Allstate the most expensive insurance?
Allstate's minimum-liability rates average $1,158 a year, which is 50% higher than the national average ($773 a year). But since car insurance rates vary by customer, be sure to shop around. And note that policies are usually more expensive for some drivers, such as teens, or those with DUIs or poor credit.
Does State Farm have high insurance rates?
These average rates make State Farm the cheapest car insurance company among nationwide insurers that serve everyone. State Farm's average liability car insurance rate is 23% cheaper than the national average of $64 a month. Its average full-coverage rate is 25% cheaper than the national average of $164 a month.
Who is cheaper, Allstate or Progressive?
Allstate: Cheapest for drivers with bad credit
In many states, car insurance companies can use a driver's credit history as a factor when determining car insurance premiums. For drivers with bad credit, Allstate once more edges out Progressive with cheaper average premiums.
Who is State Farm's biggest competitor?
State Farm main competitors are USAA, MetLife, and American Family Insurance. Competitor Summary. See how State Farm compares to its main competitors: MetLife has the most employees (49,000).
Allstate vs. State Farm: Which Car Insurance WINS for 2025?
Who is better, Allstate or State Farm?
State Farm has higher customer service ratings for car insurance than Allstate. These include better ratings for overall satisfaction and claims satisfaction from J.D. Power. State Farm also gets a better complaint rating than Allstate, according to the National Association of Insurance Commissioners (NAIC).
Who is the #1 insurance company in the USA?
State Farm is the largest auto insurance company in the U.S. based on written premium, or the total amount it bills customers. Progressive is the second-largest car insurance company, followed by Geico and Allstate.
Who is cheaper than State Farm?
GEICO is cheaper and has better ratings than State Farm. Your experience with GEICO and State Farm will vary based on individual rating factors.
What is cheaper than Allstate?
GEICO is much cheaper and has better ratings than Allstate. Your experience with GEICO and Allstate will vary based on individual rating factors.
Which insurance company is usually the cheapest?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.
Are State Farm rates negotiable?
Much like a utility service such as electricity or gas, you cannot negotiate a lower monthly car insurance payment.
Is State Farm cheaper than Progressive?
State Farm has cheaper home and car insurance quotes than Progressive. It also has higher customer satisfaction ratings. However, Progressive offers more discounts and coverage options, including gap insurance. Progressive is better for specialized car insurance coverage.
Who pays the highest insurance rates?
Your age – In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. Insurers generally charge more if teenagers or young people below age 25 drive your car.
Why is my car insurance so high with Allstate?
Insurers usually weigh several factors when it comes to car insurance rates. Common among them are speeding tickets, DUIs, credit and moving violations. But beyond that, insurers also consider specific risks like the rates of accidents, vandalism and theft in your area, which result in higher claim rates.
Can you negotiate with Allstate?
The best way to negotiate your Allstate settlement is to hire a personal injury attorney who understands how insurance operate. Make sure you're prepared, documenting every penny, filing as quickly as possible, and calculating the real value of your claim.
Is Allstate car insurance overpriced?
In terms of average costs, Allstate has the highest sample premium in our rate analysis. The insurer also has sample premiums higher than the national average in every driver category we analyzed. This includes teen drivers, senior drivers, drivers with a speeding ticket, and drivers with a DUI.
Which insurance company has the fewest complaints?
The most trusted auto insurance company is American Family Insurance. American Family has a low volume of customer complaints compared to other insurance companies its size, good reviews from WalletHub users, and high ratings for customer satisfaction according to J.D. Power.
Who is Allstate's biggest competitor?
The main competitors of Allstate include Progressive (PGR), Travelers Companies (TRV), Arch Capital Group (ACGL), Markel Group (MKL), W. R. Berkley (WRB), Cincinnati Financial (CINF), Erie Indemnity (ERIE), Fidelity National Financial (FNF), CNA Financial (CNA), and Old Republic International (ORI).
How much is State Farm per month?
The average State Farm full-coverage car insurance coverage is $212 per month. Its minimum coverage average premium is $72 per month. Remember that average premiums are a guide and your premium could be much more or much less based on numerous factors.
What car insurance is cheaper than Allstate?
Geico and USAA are among the insurance companies that are cheaper than Allstate.
Who is the most trustworthy insurance company?
State Farm is a three-time Bankrate Award winner for Best Term Life Insurer in 2022, 2023 and 2024, thanks to its top-notch customer service and accessibility tools. As one of the top life insurance companies, State Farm also received the highest customer satisfaction score from J.D. Power.
Which is better, Allstate or Liberty Mutual?
Compared to Liberty Mutual, Allstate provides cheaper average coverage for different driver profiles. Allstate earned an above-average score in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study. It also earned higher average customer satisfaction scores than Liberty Mutual in the J.D. Power 2023 U.S.
How does State Farm rank in insurance companies?
State Farm is the biggest auto insurance company in the country by market share. Progressive, Geico and Allstate are the next three largest.