Compare State Farm vs. Allstate Insurance

State Farm and Allstate are two of some of the biggest names in car insurance. In addition, their TV advertisements are some of the best-known commercials in the country. State Farm beats Allstate at #4 on the “Top Ten Auto Insurers of 2015” list from, with Allstate at #7.

However, Allstate offers an incredible amount of car insurance discounts. They also have additional discounts for farm vehicles, seniors, and recent retirees. Still, State Farm ranks higher for financial strength and J.D. Power ratings. Both companies have A- ratings from the Better Business Bureau.

So which one offers the discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  State Farm Allstate
Best If State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
  • You want easy, online tools to access your account
Worst If State Farm
  • You want mechanical breakdown coverage
  • You're looking for low priced premiums

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Special Car Insurance Discounts

State Farm Allstate
State Farm

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Standard Car Insurance Discounts

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

Consumer Complaint Data

State Farm Car Insurance Allstate Insurance
2016 105 322
2015 155 460
2014 178 569
2013 135 530

U.S. Auto Insurance Shopping Study (2016)

State Farm Car Insurance Allstate Insurance
Overall Purchase Experience Above average Below average
Policy Offerings Above average Average
Pricing Average Below average
Local Agent Among the best Average
Call Center Representative -- Below average
Insurer Website Average Average

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

State Farm 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 Above average Below average
Rental Car Experience Average Above average
Settlement Average Average

Financial Strength Ratings

State Farm Car Insurance Allstate Insurance
A.M. Best A++ A+
Moody's Aa1 Aa3
S&P's AA AA-

Mobile Apps

State Farm Allstate
State Farm

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

  • View your insurance card
  • File or view a claim
  • Access Roadside Assistance
  • Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.


This app is powered by, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.


This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

To learn more and download any of these State Farm mobile apps, click here



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 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. You can also enter 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. But the app is 100% free! Download it here.

Roadside Assistance

State Farm Allstate
State Farm

State Farm Emergency Road Service

This service can help if you need:

  • Mechanical labor
  • Towing
  • Delivery of gas
  • Tire change
  • Battery jump-start
  • Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.


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. Then watch them on the map as they come your way.

Allstate has 3 service options for drivers to choose from with many levels of service.

Allstate Motor Club

Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per instance
    • 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 jailed 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 travel
  • 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 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

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

Towing & Labor Coverage

Can be bought as an add-on to your Allstate insurance policy.

Basic services include

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