Allstate vs Farmers
Last updated July 2026
Allstate
You're in good hands
Advantages
- Enormous agent network for in-person quotes, service, and claims support
- Drivewise telematics rewards safe driving without raising base rates for tracked risk
- Deep bundling discounts across auto, home, life, and umbrella
- Accident forgiveness and new-car replacement available as add-ons
- Strong financial strength ratings and long claims history
Drawbacks
- Base rates are typically higher than Progressive for average drivers
- Digital quoting is functional but less streamlined than Progressive
- Discount stacking can feel opaque without an agent walking you through it
Farmers
We know a thing or two because we've seen a thing or two
Advantages
- Signal by Farmers telematics offers discounts up to 15% for safe driving
- Rideshare coverage available in most states without a separate policy
- Strong farm, ranch, and specialty vehicle coverage where competitors are thin
- Accident forgiveness and diminishing deductible available
- Deep bundling with home, renters, life, and umbrella
Drawbacks
- Base rates tend to be higher than State Farm for most driver profiles
- J.D. Power satisfaction scores trail State Farm in most regions
- Not available in every state, notably not in Alaska, Hawaii, or most of the Northeast
Allstate and Farmers both play in auto insurance, but they're aimed at different buyers. Allstate is built for homeowners who want to bundle policies and prefer working with a local agent. Farmers is built for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Allstate | Farmers |
|---|---|---|
| Typical Monthly Cost | Avg $150-$210/mo before bundling discounts | Avg $155-$210/mo before bundling |
| Quote Process | Local agent, online, or phone | Local agent, online, or phone |
| Available Discounts | Drivewise, multi-policy, safe driver, early signing, new car | Signal, multi-policy, homeowner, good student, safe driver |
| Claims Experience | Agent-assisted, QuickFoto app, 24/7 phone | 24/7 phone, app, or agent-assisted |
| Customer Support | Local agents, phone, app, online | Local agents, phone, app, online |
| Coverage Options | Full line, liability, collision, comprehensive, umbrella, rideshare | Liability, collision, comprehensive, custom equipment, rideshare |
| Mobile App Quality | Good, claims, Drivewise, ID cards, roadside | Good, ID cards, claims, Signal, payments |
| Bundling Options | Auto, home, renters, life, umbrella, motorcycle | Auto, home, renters, life, umbrella, farm, small business |
Allstate Wins
Allstate takes it overall (8/10 vs 7/10), but Farmers is still the sharper pick for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles.
Allstate's standout strength: Enormous agent network for in-person quotes, service, and claims support. Its biggest drawback (base rates are typically higher than Progressive for average drivers) is easier to live with than Farmers's (base rates tend to be higher than State Farm for most driver profiles). Farmers isn't out of the running though — its own standout strength is signal by Farmers telematics offers discounts up to 15% for safe driving. If you fit the profile of drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles, that alone can flip the decision.
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