Comparing quotes is the best way to get the lowest rates from top insurers like State Farm and Allstate. QuoteWizard is an independent company that helps you find the right policy at the best rate.
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 TopTenReviews.com, 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 |
State Farm
|
Allstate
|
| Worst If |
State Farm
|
Allstate
|
State Farm
Commercial Auto InsuranceIf 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:
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 InsuranceState 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:
|
Allstate |
| Bundling Coverage Discounts | State Farm | Allstate |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | State Farm | 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 | 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 | ||
| Military | ||
| Special Circumstances | State Farm | Allstate |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | State Farm | Allstate |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| State Farm Auto Insurance | Allstate Auto Insurance | |
|---|---|---|
| 2016 | 105 | 322 |
| 2015 | 155 | 460 |
| 2014 | 178 | 569 |
| 2013 | 135 | 530 |
| State Farm Auto Insurance | Allstate Auto 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 |
| State Farm Auto Insurance | Allstate Auto 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 |
| State Farm Auto Insurance | Allstate Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A+ |
| Moody's | Aa1 | Aa3 |
| S&P's | AA | AA- |
|
State Farm
State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies. Pocket AgentThis app lets you:
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. CarCaptureThis app is powered by Edmunds.com, 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 ClearThis 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 FeedbackThis 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 EditionThis 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 MobileThis 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. MoveToolsThis 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. Click here to learn more and download any of these State Farm mobile apps.
|
Allstate
Allstate Mobile has all the information you need on policies and claims. You can download the Allstate mobile 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. 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! |
State Farm
State Farm Emergency Road ServiceThis service can help if you need:
Or if your car is stuck somewhere. Roadside Assistance Services Covered
Services Not Covered
Contact Phone NumberState Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here. |
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. 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 ClubPlatinum Elite Member $99/year
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:
Roadside Services Included
Towing & Labor Coverage Can be bought as an add-on to your Allstate insurance policy. Basic services include
|