Compare Allstate vs. State Farm Car Insurance

What’s the difference between Allstate Auto Insurance and State Farm Auto Insurance? See how our editors compare the two companies below.
Last Updated: January 19, 2018
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Allstate Auto Insurance
8.9 / 10 - Excellent
#7 in Car Insurance
State Farm Auto Insurance
9.3 / 10 - Excellent
#3 in Car Insurance
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Key Facts

  • Adjustable limits and deductibles
  • Large network of local agents
  • Roadside services
  • Wide list of discount options
  • Strong financial ratings
  • Rental reimbursement
  • Available nationwide 
  • Strong financial ratings
  • Good variety of discount options
  • Large number of local agents
  • Classic cars, motorcycle, and recreation vehicle insurance
  • Great coverage options
  • 24/7 claims reporting
  • Roadside assistance

OVERALL RATINGS

 AllstateState Farm
Coverage & Benefits9/1010/10
Pricing and Discounts8/109/10
Financial Strength10/109/10
Customer Experience10/109/10

Coverage Compared

Basic Coverage

Allstate
vs
State Farm
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Allstate
vs
State Farm
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Rental Reimbursement
  • Towing & Labor Cost

What do their customers think?

National Association of Insurance Commissioners

 AllstateState Farm
NAICS Complaint Ratio 2016
1.03
2.58
NAICS Total Complaints 2016
343
9,444
*The NAICS Car Insurance complaint ratio (in this case 1.03) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAICS Car Insurance complaint ratio (in this case 2.58) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

 AllstateState Farm
BBB Rating
A-
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
2
Number of BBB Negative Reviews
134
Date Collected
2017-09-21
2017-10-10

Comparing Financial Stregnth

Key Details

 AllstateState Farm
Underwriter
Allstate
State Farm Mutual Automobile Insurance Company
Premiums Written 2016
$20,813,857,600
$39,194,660,434
Marketshare 2016
9.72%
18.3%
AM Best Financial Rating
A+
A++
Moody's Financial Rating
Aa3
A2
Standard & Poor's Financial Rating
AA-
AA
*The above information reflects the financial strength of the underwriter of the Allstate car insurance policies: Allstate.
*The above information reflects the financial strength of the underwriter of the State Farm car insurance policies: State Farm Mutual Automobile Insurance Company.

Pricing & Discounts

 AllstateState Farm
Per Mile Pricing Available?

Discounts

Allstate
vs
State Farm
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

Allstate
vs
State Farm
  • Full/Automatic Payment

Contact & Additional Information

 AllstateState Farm
Homepage URL
Company Phone
(877) 810-2920
(800) 782-8332
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
One State Farm Plaza, Bloomington, IL, 61710
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931
1922

Final Verdict

State Farm Auto Insurance has a higher overall rating than Allstate Auto Insurance. State Farm scores better than Allstate across: Coverage & Benefits, and Pricing and Discounts. However, Allstate scores better on Financial Strength, and Customer Experience.