Allstate vs. State Farm

Allstate is the better provider for most types of insurance

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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. 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


Allstate

Allstate

Pros
  • Wide variety of endorsements for most policies, including commercial insurance

  • Great discounts for homeowners insurance

  • Helpful online tools, resources, and calculators

Cons
  • Only offers two renters insurance discounts

  • Fewer agents than State Farm, with a network of about 10,800

  • Doesn’t sell individual health or disability insurance

State Farm


State Farm

State Farm

Pros
  • Network of more than 19,000 agents around the country

  • Two safe driver rewards programs, including one aimed at young drivers

  • One of the few providers that offers roof-related discounts for home insurance

Cons
  • Very few home insurance endorsements

  • No riders for commercial insurance

  • Doesn’t offer 24/7 customer service

Allstate vs. State Farm: Auto Insurance

At-a-Glance

  Allstate State Farm 
Geographic availability Nationwide Nationwide 
Discount opportunities  11 11 
Customer service  Phone, online, email, in-person Phone, online, in-person
Claims processing  Phone, online, mobile app Phone, online, mobile app
NAIC complaint score  2.74 (above average) 1.69 (above average)
AM Best rating  A+ A++

Coverage

Allstate and State Farm both offer exceptional auto insurance, with minimum coverage and full coverage policies available. The specific coverage limits will depend on your state, but you can request a quote online to see how much coverage you can purchase.

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

Riders 

Allstate and State Farm both offer a number of riders, which are optional add-on policies that can be purchased for increased protection. Based on our comparison, Allstate offers a few more riders 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  Yes 
New car replacement  Yes  No
Rental car reimbursement  Yes  Yes 
Custom parts coverage  Yes  No
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  No 
Paperless statements  Yes  No 
Pay in full  Yes  Yes 
Early signing  Yes  No 
Good student  Yes  Yes 
Driver training course  No Yes 
Student away at school  No 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  8 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  2.74 (above average) 1.69 (above 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 depend on factors like your location and the replacement value of your home.

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

Riders 

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

  Allstate State Farm 
Identity theft insurance Yes No
Home sharing coverage  Yes  No 
Inflation guard  No Yes
Personal umbrella insurance  Yes  Yes
Flood insurance  Yes  Yes 
Water backup insurance  Yes  No 
Scheduled personal property  Yes No 
Business property  Yes  No 
Sports equipment insurance Yes  No
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’s discounts are much better than State Farm’s.

  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  Yes
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  2.74 (above average) 1.69 (above average)
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, amount varies Yes, amount varies
Personal liability insurance  Yes, amount varies  Yes, amount varies 
Medical payments insurance  Yes, amount varies  Yes, amount varies 
Loss of use insurance  Yes, amount varies  Yes, amount varies 

Riders 

Allstate and State Farm offer a handful of riders that can be added to your renters insurance policy for additional protection. For renters insurance only, State Farm offers more riders 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 umbrella 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
Flood insurance  Yes  Yes 

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  2.74 (above average) 1.69 (above 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, amount varies Yes, amount varies
Commercial property insurance  Yes, amount varies  Yes, amount varies 
Commercial liability umbrella insurance No Yes, amount varies 
Business owners policy (BOP)  Yes, amount varies  Yes, amount varies 
Workers’ compensation  Yes, amount varies  Yes, amount varies 
Surety and fidelity bonds  No Yes, amount varies 
Builder’s risk insurance  No Yes, amount varies 
General liability insurance  Yes, amount varies  Yes, amount varies 
Professional liability insurance  Yes, amount varies  Yes, amount varies 
Employment practices liability insurance  Yes, amount varies  Yes, amount varies 
Employers non-owned car liability insurance Yes, amount varies  Yes, amount varies 
Farm and ranch insurance No Yes, amount varies 
Key employee insurance Yes, amount varies  Yes, amount varies 
Employee health insurance Yes, amount varies  Yes, amount varies 
Employee life insurance Yes, amount varies  Yes, amount varies 
Employee disability insurance Yes, amount varies  Yes, amount varies 
Equipment breakdown insurance Yes, amount varies  No

Riders 

State Farm doesn’t advertise any riders on its website. However, Allstate offers an impressive list of add-ons for more protection. Allstate is our recommendation if you’re in the market for business insurance.

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

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 independent 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 independent 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.