Auto Insurance · Head-to-head
Allstate vs Farmers: Which auto insurance wins?
Side-by-side comparison of Allstate and Farmers auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
Allstate
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
Farmers
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
In plain English
Farmers runs $188 less per year on average for full coverage ($1,920 vs $2,108/yr). Allstate can still be the better fit when accident forgiveness matter more — see the verdicts below.
Side-by-side breakdown
| Feature | Allstate | Farmers |
|---|---|---|
| Avg full-coverage premium | $2,108/yr | $1,920/yr |
| Avg liability-only premium | $735/yr | $690/yr |
| A.M. Best financial strength | — | — |
| Best for | accident forgiveness · agent service | new car replacement · agent service |
| Overall rating | 4.1/5 | 4.1/5 |
| Price & savings score (40%) | 3.8 | 3.9 |
| Coverage strength score (25%) | 4.4 | 4.3 |
| Quote & buy experience (20%) | 4.2 | 4.0 |
| Claims & support score (15%) | 4.3 | 4.2 |
Avg full-coverage premium
Allstate
$2,108/yr
Farmers
$1,920/yr
Avg liability-only premium
Allstate
$735/yr
Farmers
$690/yr
A.M. Best financial strength
Allstate
—
Farmers
—
Best for
Allstate
accident forgiveness · agent service
Farmers
new car replacement · agent service
Overall rating
Allstate
4.1/5
Farmers
4.1/5
Price & savings score (40%)
Allstate
3.8
Farmers
3.9
Coverage strength score (25%)
Allstate
4.4
Farmers
4.3
Quote & buy experience (20%)
Allstate
4.2
Farmers
4.0
Claims & support score (15%)
Allstate
4.3
Farmers
4.2
Editor verdicts
Why we rate Allstate 4.1/5
Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.
Read the full Allstate reviewWhy we rate Farmers 4.1/5
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
Read the full Farmers reviewWho should pick which?
Pick Allstate if…
- You value claims responsiveness — Allstate scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
- Your driver profile leans accident forgiveness — Allstate's underwriting is best-in-class there.
Pick Farmers if…
- You want the lowest annual premium — Farmers averages $1,920/yr for full coverage, $188 less than Allstate.
- Your driver profile leans new car replacement — Farmers's underwriting is best-in-class there.