Compare Farmers vs. Allstate Insurance

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Farmers and Allstate are both large and popular companies in the auto insurance industry. Farmers is actually older than Allstate, established in 1928, while Allstate was founded in 1931.

Allstate offers more auto discounts than Farmers and is the 3rd largest auto insurer in the U.S. according to the 2015 NAIC report. Both companies rank quite equally in financial strength and J.D. Power rankings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers Allstate
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Allstate
  • You want easy, online tools to access your account
Worst If Farmers
  • You want slick online tools to manage your policy
Allstate
  • You're looking for reasonably priced premiums

Special Car Insurance Discounts

Farmers Allstate
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Allstate

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers Allstate
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers Allstate
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers Allstate
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers Allstate
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers Allstate
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers Allstate
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance Allstate Insurance
2016 167 322
2015 262 460
2014 237 569
2013 300 530

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance Allstate Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Average
Pricing Average Below average
Local Agent Average Average
Call Center Representative -- Below average
Insurer Website Below average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance Allstate Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Average
Appraisal Average Above average
Repair Process Average Below average
Rental Car Experience Average Above average
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance Allstate Insurance
A.M. Best A A+
Moody's Aa3 Aa3
S&P's A+ AA-

Mobile Apps

Farmers Allstate
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

Roadside Assistance

Farmers Allstate
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts