Allstate vs. Farmers: Best Auto Insurance for 2026
Today we're going to compare Allstate vs. Farmers auto insurance. Farmers tends to offer cheap prices. Both Allstate and Farmers are well-reviewed by companies like A.M. Best and the Better Business Bureau, but whereas Allstate is not BBB accredited, Farmers is. Both companies offer many discounts, but Farmers offers more than Allstate.
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Table of Contents
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Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Michael Leotta


Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated January 2025
- Farmers insurance offers more competitive pricing than Allstate
- Farmers offers a wider array of discounts than Allstate
- Farmers and Allstate are both well-reviewed companies, but Farmers has the edge
If you’re here with us today, you are most likely looking for your next insurer. It’s a complicated process, so we’re going to focus on just Allstate vs. Farmers. If you’d like to learn more about Allstate, be sure to read our Allstate review.
Before learning more about Allstate vs. Farmers, type your ZIP code into our free tool above to find affordable auto insurance quotes in your area. Be informed before you buy auto insurance.
Allstate vs. Farmers: Which is cheaper?
When comparing insurers, it’s best to start with what is most important: price. Who has the best auto insurance rates?
Let’s take a look at a table that will show the average annual auto insurance premiums not just for Allstate and Farmers, but for all of the main insurance companies.
Imported from Manual Input
| Insurance Company | Average Annual Rates |
|---|---|
| $2,539.87 | |
| $3,213.97 | |
| $3,269.80 | |
| $3,544.37 | |
![]() | $3,449.80 |
| $4,018.46 | |
| $4,166.22 | |
| $4,462.02 | |
| $4,896.81 | |
![]() | $6,058.57 |
Read more: Allstate vs. State Farm: Best Auto Insurance
As you can see, of the 10 insurers shown, Allstate is cheaper than only one competitor: Liberty Mutual. Farmers, however, is cheaper than three: Travelers, Allstate, and Liberty Mutual.
So, Farmers wins in terms of pricing. Let’s see how these companies do in terms of discounts. Furthermore, if you’d like to learn more about Farmers, read our Farmers review.
Read more:
- Farmers vs. Liberty Mutual: Best Auto Insurance
- Farmers vs. Progressive: Best Auto Insurance
- Farmers vs. USAA: Best Auto Insurance
- Farmers vs. GEICO: Best Auto Insurance
Allstate vs. Farmers: Which offers better discounts?
Understanding the significance of discounts is crucial. By accumulating relevant discounts, you can significantly reduce your premiums. Let’s examine a table that highlights a variety of discounts offered by major insurers, including Farmers insurance rates, Allstate auto insurance discounts, and Allstate auto insurance quotes
Auto Insurance Discounts Available by Company
| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
As you can see, of the 67 discounts shown, Farmers offers 35. Allstate Insurance offers 29 discounts. There are a great many discounts to take advantage of, provided they’re applicable to your circumstances.
Discounts are available for various factors, including timely bill payments and having safety features in your car. With non-owner car insurance from Allstate, you can explore savings options. Additionally, comparing Farmers insurance prices and obtaining Allstate car insurance quotes can help you find the best discounts for your situation.
What’s advantageous is that many of these discounts are quite straightforward, such as simply entering your Allstate insurance login on the app. Next, let’s compare the ratings of different auto insurance companies, including those offering Texas Farm Bureau insurance discounts and reviewing Allstate auto insurance estimates.
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Allstate vs. Farmers: Which has better ratings?
When comparing insurers, be sure to look at the ratings given to them by companies such as A.M. Best and the Better Business Bureau.
A.M. Best has a rating that ranges from A++ all the way down to a rating of D. Allstate currently has a rating of A+ (Superior). Farmers, however, has a lower rating of A (Excellent). With that being said, Farmers’ rating has been placed under review by A.M. Best.
Allstate currently has a rating of A+ from the Better Business Bureau, but it is not accredited. Farmers also has a rating of A+ but, unlike Allstate, it is accredited. So, in short, Farmers also wins in terms of company ratings.
All in all, it looks like Farmers is the winner when comparing these two companies. But don’t stop at this comparison. If you find that Allstate is better for you, read more about how you can cancel your auto insurance policy with Farmers if it’s your current provider.
Now that you know more about Allstate vs. Farmers insurance, type your ZIP code into our free tool below to find affordable auto insurance quotes in your area. This is certainly easier than, say, inquiring through the Allstate claims department.
Frequently Asked Questions
How do I add a vehicle on the Allstate app?
To add a vehicle on the Allstate app, open the app and log in to your account. Navigate to the “My Vehicles” section, select “Add Vehicle,” and enter the required information about your vehicle, such as make, model, and VIN. Follow the prompts to complete the process.
Is USAA cheaper than Allstate?
USAA is generally cheaper than Allstate for eligible members, such as active and retired military personnel and their families. USAA often provides lower rates due to its focus on serving military families and its operational efficiencies. However, rates can vary based on location, driving history, and other factors, so it’s best to compare quotes from both companies.
Is Allstate better than Geico?
Allstate and Geico have their own strengths. Allstate is known for its comprehensive coverage options and a wide range of discounts, while Geico is often praised for its competitive pricing and user-friendly online tools. Your choice may depend on whether you prioritize cost, coverage options, or customer service.
Is Allstate cheaper than State Farm?
Allstate and State Farm offer competitive rates, but which is cheaper can vary by individual circumstances. Allstate might be more affordable for some customers due to its variety of discounts, while State Farm could offer better rates based on its extensive network of agents and local expertise. Comparing quotes from both insurers is the best way to determine which is cheaper for you.
Is Allstate a good auto insurance company?
Allstate is considered a good auto insurance company due to its wide range of coverage options, extensive network of agents, and various discount opportunities. It has strong financial ratings and offers comprehensive services, though its customer satisfaction may vary based on individual experiences.
Is Farmers Insurance better than Allstate?
Farmers Insurance and Allstate both offer strong auto insurance options, but Farmers is often noted for its variety of discounts and competitive pricing. If you value discounts and personalized service, Farmers might be a better choice. However, Allstate provides robust coverage options and extensive customer support. Comparing both can help you find the best fit for your needs.
Is Farmers Insurance cheaper than State Farm?
Farmers Insurance often provides competitive rates, but whether it is cheaper than State Farm can vary depending on your location, driving history, and coverage needs. Both insurers offer various discounts, so it’s a good idea to compare quotes from Farmers and State Farm to determine which is more affordable for you.
Is Progressive cheaper than Allstate?
Progressive is frequently recognized for its competitive pricing and various discount options, which can make it cheaper than Allstate for some customers. However, rates depend on factors such as your location, driving history, and the coverage you need. Comparing quotes from Progressive and Allstate can help you find the best rate for your situation.
Allstate vs 21st Century: Which is better?
When comparing Allstate and 21st Century, Allstate is often considered better due to its extensive range of coverage options, robust customer service, and various discount opportunities. 21st Century may offer competitive pricing but generally lacks the broad network and comprehensive services that Allstate provides.
21st Century vs Farmers: Which offers better coverage?
Farmers generally offers better coverage compared to 21st Century. Farmers provides a wide range of coverage options, including additional endorsements and customizable policies, whereas 21st Century may have more limited coverage choices.
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