Allstate vs. State Farm

Allstate vs. State Farm: Auto Insurance

At-a-Glance

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.

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.

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 vs. State Farm: Home Insurance

At-a-Glance

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.

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.

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 vs. State Farm: Renters Insurance

At-a-Glance

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.

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.

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 vs. State Farm: Commercial Insurance

At-a-Glance

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.

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.

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 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.