Allstate vs. State Farm

If you’ve ever shopped for insurance, you’re probably familiar with State Farm and Allstate. They’re two of the largest car insurance companies on the market, and each insures millions of people around the country.1 State Farm and Allstate are well known for their car insurance offerings, but you can also get a variety of other policies, like home, renters, business, pet, and life insurance.

State Farm and Allstate are among the best insurance companies, but they each have pros and cons. We reviewed the two carriers and found that, overall, Allstate is a better provider. Allstate has more policy offerings than State Farm, plus more discounts. However, State Farm has a much larger agent network, which is beneficial if you prefer to work with an agent in person.

 

Allstate vs. State Farm: Auto Insurance

At-a-Glance

Allstate State Farm
Geographic availability Nationwide Nationwide
Discount opportunities 13 10
Customer service Phone, online, email, in-person Phone, email your agent, in-person
Claims processing Phone, online, mobile app Phone, online, mobile app
NAIC complaint score 2.42 (above average) 2.08 (above average)
AM Best rating A+ A++

Coverage

Allstate and State Farm both offer exceptional auto insurance, with a variety of personal liability limits and deductible options for you to choose from. The specific coverage limits will depend on your state, but you can request a quote online to see how much coverage you can purchase. Additionally, the policy limits for each type of coverage will vary depending on the insurer and other factors.

Allstate State Farm
Personal liability insurance Yes Yes
Collision insurance Yes Yes
Comprehensive insurance Yes Yes
Medical payments insurance Yes Yes
Uninsured motorist insurance Yes Yes
Underinsured motorist insurance Yes Yes

Riders 

Allstate and State Farm both offer a number of endorsements, which are optional add-ons that can be purchased for increased protection. Based on our comparison, Allstate offers a few more add-ons than State Farm, making it a better choice if you want to customize your policy.

Allstate State Farm
Rideshare insurance Yes Yes
Roadside assistance Yes Yes
Personal injury protection Yes Yes
Personal umbrella insurance Yes Yes
Accident forgiveness Yes No
New car replacement Yes No
Rental car reimbursement Yes Yes
Custom parts coverage No Yes
Deductible savings bank Yes No

Rates and Discounts 

Car insurance premiums are different for every driver, but you can get a lower rate by taking advantage of each company’s auto insurance discounts. In addition, both companies offer a safe driver rewards program. Allstate has Drivewise, and State Farm has Steer Clear for drivers under 25 and Drive Safe and Save for drivers over 25.

Allstate State Farm
Accident-free Yes Yes
Defensive driving course No Yes
Responsible payer Yes No
Automatic payments Yes Yes
Paperless statements Yes Yes
Pay in full Yes Yes
Early signing Yes No
Good student Yes Yes
Driver training course Yes Yes
Student away at school Yes Yes
Recent model vehicle Yes Yes
Airbags/passive restraint No Yes
Anti-lock brakes Yes No
Anti-theft system Yes Yes
Multi-policy Yes Yes
Multi-vehicle Yes Yes

Allstate vs. State Farm: Home Insurance

At-a-Glance

Allstate State Farm
Geographic availability Nationwide Nationwide
Discount opportunities 7 3
Customer service Phone, online, email, in-person Phone, online, in-person
Claims processing Phone, online, mobile app Phone, online, mobile app
NAIC complaint score 0.74 (below average) 0.53 (below average)
AM Best rating A+ A++

Coverage

In terms of home insurance coverage, Allstate and State Farm offer all the basics. Keep in mind that the amount of coverage available will vary depending on factors like your location and the replacement value of your home.

Allstate State Farm
Dwelling insurance Yes Yes
Other structures insurance Yes Yes
Personal property insurance Yes Yes
Personal liability insurance Yes Yes
Medical payments insurance Yes Yes
Loss of use insurance Yes Yes

State Farm stopped accepting new applications for home insurance in California, including all business and personal lines property and casualty insurance, on May 27, 2023. Existing policies and personal auto insurance policies were not impacted by this change.2

Endorsements

When it comes to home insurance add-ons, Allstate is the clear winner. Allstate offers 14 endorsements, including some unique options, like green improvement reimbursement coverage. For comparison, State Farm only offers five endorsements.

Allstate State Farm
Identity theft insurance Yes Yes
Home sharing coverage Yes Yes
Inflation guard No Yes
Personal umbrella insurance Yes Yes
Water backup insurance Yes Yes
Scheduled personal property Yes Yes
Business property Yes No
Sports equipment insurance Yes Yes
Green improvement reimbursement Yes No
Yard and garden coverage Yes No
Electronic data recovery coverage Yes No
Musical instrument coverage Yes No
Deductible savings bank Yes No
Rate guard Yes No

Rates & Discounts 

Homeowners insurance rates are based on criteria like your age, state, and claim history. If you’re looking to lower your home insurance premium, State Farm and Allstate offer a handful of discounts that can help you save. When we compared the two providers, we found that Allstate offers more discounts than State Farm. However, the savings potential for each discount may differ between companies.

Allstate State Farm
Multi-policy Yes Yes
Security system Yes Yes
Impact-resistant roof No Yes
Responsible payer Yes No
Claim-free Yes No
Welcome and loyalty Yes No
Automatic payments Yes No
Early signing Yes No

Allstate vs. State Farm: Renters Insurance

At-a-Glance

Allstate State Farm
Geographic availability Nationwide Nationwide
Discount opportunities 2 2
Customer service Phone, online, email, in-person Phone, online, in-person
Claims processing Phone, online, mobile app Phone, online, mobile app
NAIC complaint score N/A N/A
AM Best rating A+ A++

Coverage

You can get a standard renters insurance policy from State Farm or Allstate, which includes contents, liability, medical payments, and loss of use coverage. To find out how much coverage is available where you live, you can request a personalized quote online.

Allstate State Farm
Personal property insurance Yes Yes
Personal liability insurance Yes Yes
Medical payments insurance Yes Yes
Loss of use insurance Yes Yes

Endorsements

Allstate and State Farm offer a handful of add-ons that can be added to your renters insurance policy for additional protection. For renters insurance only, State Farm offers more endorsements than Allstate. If you’re in the market for renters insurance, State Farm is a better choice if you’re looking to build a customized policy.

Allstate State Farm
Personal liability insurance Yes Yes
Identity restoration coverage Yes Yes
Earthquake insurance No Yes
Business property insurance No Yes
Incidental business liability insurance No Yes
Scheduled personal property coverage Yes No

Rates & Discounts 

Your renters insurance premium is based on the insurance company you choose, your state, the value of your personal belongings, and more. To get a lower rate, Allstate and State Farm offer a few renters insurance discounts, but the savings from both companies are very limited.

Allstate State Farm
Multi-policy Yes Yes
Security system No Yes
Retired (55 or older) Yes No

Allstate vs. State Farm: Commercial Insurance

At-a-Glance

Allstate State Farm
Geographic availability Nationwide Nationwide
Discount opportunities 0 0
Customer service Phone, online, email, in-person Phone, online, in-person
Claims processing Phone, online, mobile app Phone, online, mobile app
NAIC complaint score 6.85 (above average) 0.90 (below average)
AM Best rating A+ A++

Coverage

Allstate and State Farm offer a wide variety of business insurance policies. You can see the full list of product offerings in the table below. Note that the amount of coverage available depends on unique factors like your state and the industry that your business operates in.

 Allstate  State Farm
Commercial auto insurance Yes Yes
Commercial property insurance Yes Yes
Commercial liability umbrella insurance Yes Yes
Business owner’s policy (BOP) Yes Yes
Workers’ compensation No Yes
Surety and fidelity bonds No Yes
Builder’s risk insurance No Yes
General liability insurance Yes Yes
Professional liability insurance Yes Yes
Employment practices liability insurance Yes Yes
Employers non-owned car liability insurance Yes Yes
Farm and ranch insurance No Yes
Key employee insurance Yes Yes
Employee health insurance Yes Yes
Employee life insurance Yes Yes
Employee disability insurance Yes Yes
Equipment breakdown insurance Yes Yes

Endorsements

State Farm and Allstate offer similar add-on coverages for commercial insurance. However, the amount of coverage available and what’s included will vary depending on the insurer.

Allstate State Farm
Outdoor sign insurance Yes Yes
Data compromise/identity theft insurance Yes Yes
Employee dishonesty insurance Yes Yes
Home-based business insurance Yes Yes
Cyberattack insurance Yes Yes
Shield endorsements Yes No
Inland marine insurance Yes Yes

Rates & Discounts 

Commercial insurance policies are based on factors unique to your business, including the number of employees you have, the risk your employees face, and where your business operates. Based on our research, Allstate and State Farm don’t offer any discounts for commercial insurance. However, you might qualify for a multi-policy discount if you purchase two or more business insurance policies from the same company.

Allstate vs. State Farm: Other Insurance Products

Besides auto, home, renters, and commercial insurance, you can find a variety of other insurance policies from both Allstate and State Farm. However, not all policies are underwritten by these providers. Additionally, some coverages are not offered in every state.

Allstate State Farm
Motorcycle insurance Yes Yes
Boat insurance Yes Yes
Classic car insurance Yes Yes
RV insurance Yes Yes
Off-road vehicle insurance Yes Yes
Condo insurance Yes Yes
Landlord insurance Yes Yes
Personal articles insurance Yes Yes
Manufactured home insurance Yes Yes
Farm and ranch insurance No Yes
Identity theft insurance Yes Yes
Individual life insurance Yes Yes
Individual health insurance No Yes
Pet medical insurance Yes Yes
Individual disability insurance No Yes
Flood insurance Yes Yes
Phone protection Yes No
Event insurance Yes No

Allstate vs. State Farm: Customer Service

Allstate and State Farm both have good customer service options. You can request support by calling the company during business hours, downloading the mobile app (if you’re an existing policyholder), logging into the online customer portal, or by visiting an agent in person at a local office. However, support for certain policies, like life insurance and business insurance, is only available via phone or in person.

Allstate vs. State Farm: Claims

State Farm and Allstate have online and mobile claims systems, but only for auto, home, and renters insurance claims, as well as windshield glass repair claims. If you need to file a claim for any other type of policy, you’ll need to call the company directly.

Whether you file a claim online or by phone, the process is very similar. You’ll be asked to provide your policy number, then give a description of the claim, and submit photos if you have evidence of the damage. Then, you will be assigned an adjuster who will reach out and explain the claim process and what your policy will cover.

Allstate vs. State Farm: Customer Satisfaction

As part of our provider comparison, we looked at online reviews from current and past policyholders from both Allstate and State Farm. Overall, both companies have mostly positive reviews, with customers citing efficient claim handling, prompt roadside assistance, affordable premiums, and useful mobile tools.

Most of the negative reviews for Allstate and State Farm are from customers who feel they didn’t receive a fair payout after a claim or had a claim denied. Other customers said they have struggled to get in touch with agents and had issues with billing.

It is important to note that State Farm and Allstate work with agents, which means you have to call your personal agent to manage your policy and ask questions about your coverage. Your agent is able to provide the best customer service, but because they work with many policyholders, it could be more difficult to get in touch with them.

Allstate vs. State Farm: Getting a Quote

When comparing insurance providers, getting rate quotes is an important part of the process. Fortunately, State Farm and Allstate both offer online quotes for most of the insurance products they sell. You can also get a quote by calling an agent if you prefer.

The process for getting a quote is pretty much the same for each company. You will need to provide information about yourself, like your birthday, Social Security number, and address, as well as information that is relevant to the policy you’re buying.

Because Allstate and State Farm both work with agents, it’s important to find an agent that you feel comfortable with. If you don’t build a rapport with the first agent you speak with, you might consider finding another one in your area.

Whether you get a quote online or over the phone, the process should only take a few minutes. And if you get a quote online, you’ll have the option to save the quote and return to it later, so there’s no pressure to purchase a policy on the spot.

Methodology

To review State Farm and Allstate, we started by looking at their areas of availability, the NAIC Complaint Index score, and the AM Best score for each provider. The NAIC Company Complaint Index is a ratio of complaints per market share, with 1.0 being the average and anything above 1.0 considered to have more complaints than expected for its size. Then, we looked at the coverage options, discounts, and riders available for auto, home, renters, and commercial insurance. Finally, we did some research into customer reviews and testimonials and evaluated the ease of getting a quote and filing a claim.

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