Allstate vs State Farm Car Insurance for 2024
When comparing Allstate vs State Farm car insurance, you can find Allstate coverage for $160 per month, while State Farm offers more affordable rates starting from $86 per month. State Farm has a JD Power ranking of four out of five, while Allstate ranks three out of five for JD Power.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Dec 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Dec 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Finding the best car insurance rates involves a nuanced understanding of variables like credit score, mileage, coverage level, and driving record. Unveiling insights from the data, it’s evident that State Farm stands out for customers boasting excellent credit and pristine driving histories, offering competitive rates aligned with lower mileage and comprehensive coverage. Conversely, Allstate positions itself as a cost-effective choice for individuals with suboptimal credit scores, showcasing affordability across varying mileage and coverage levels. This Allstate vs State Farm car insurance analysis dissects these factors, empowering you to make tailored, informed decisions about your insurance needs.
| Factor | Allstate | State Farm |
|---|---|---|
| Clean Record | $160 | $86 |
| 1+ Ticket | $188 | $96 |
| 1+ Accident | $225 | $102 |
| DUI | $270 | $112 |
| Poor Credit | $275 | $148 |
| Discount | Allstate | State Farm |
|---|---|---|
| Anti Theft | 15% | 8% |
| Good Student | 10% | 7% |
| Low Mileage | 10% | 9% |
| Paperless | 5% | 6% |
| Safe Driver | 5% | 8% |
| Senior Driver | 10% | 12% |
Allstate Car Insurance
Pros:
- Offers Your Choice Auto packages providing State Farm accident forgiveness and deductible reduction rewards.
- Up to a 30% discount for safe driving through Allstate DriveWise, a pay-as-you-drive insurance plan.
- 24-hour claims service and online claims reporting for convenience.
- A large network of preferred body shops to expedite repairs.
Cons:
- Inspections can take a long time to complete if not using an Allstate-approved body shop.
- Lower customer satisfaction ratings compared to some other insurance companies.
- Allstate auto insurance rates tend to be higher than many other insurers, depending on location and driving history.
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State Farm Car Insurance
Pros:
- All insurance matters, including claims, are handled by an agent, fostering personalized service.
- Offers a 10% safe driving discount if you drive for three years without any car accidents.
- Provides a 5% discount for enrolling in the Drive Safe & Save car insurance program.
- High customer service rankings and JD Power rating of four out of five.
Cons:
- Filing a car insurance claim after business hours can be challenging due to the lack of a centralized claims department.
- Need to get a new agent when relocating to a new area.
- Coverage can be substantially more expensive in some states than others.
The Best Car Insurance Company: State Farm
When it comes to choosing the best car insurance company between Allstate and State Farm, the clear winner is State Farm. While both companies offer a range of coverage options and have their respective strengths, State Farm edges ahead in several crucial areas.
Pricing: State Farm’s massive size and market presence allow it to offer extremely competitive rates to a significant portion of its target demographic. Its rates often outstrip the competition significantly in many cases. While pricing can vary by location and individual driver profiles, State Farm’s affordability gives it an advantage for many potential customers.
Customer Service: State Farm consistently receives high customer service rankings, with a JD Power ranking of four out of five and a customer service smart ranking of five out of five. Customers often express high satisfaction due to the close relationships they forge with their State Farm agents. These agents handle all insurance matters, including claims, providing a more personalized and responsive service experience.
Unique Features: State Farm offers appealing features like a 10% safe driving discount for drivers with a clean record for three years and a 5% discount for enrolling in the “Drive Safe & Save” program. These incentives can help policyholders save money on their premiums while maintaining good driving habits.
Lawsuit History: While there was a significant lawsuit against State Farm in 2008 regarding the use of aftermarket parts and inferior repairs, the suit was eventually overturned. Since then, many customers have reported an improvement in repair quality for claims.
In contrast, Allstate, while a reputable insurance provider, has some drawbacks. It tends to have higher rates than many other insurers, and its customer satisfaction ratings are lower than State Farm in various areas. Allstate also outsources its customer service, which may result in a less straightforward understanding of policies for individuals who choose to purchase directly.
State Farm
Founded in 1922, State Farm is the largest property and casualty firm in the world. It employs over 67,000 people and an additional 17,000 agents. It currently provides policies to 77 million people; of these, slightly over half are auto insurance policies. State Farm’s massive size has secured it a place in the top 50 Fortune 500 companies in the world.
Due to its massive size, State Farm can offer extremely competitive rates to people in its target demographic. In many cases, it outstrips the competition significantly. People outside of its target demographic may find its rates to be higher than they can get elsewhere.
There was a large lawsuit against State Farm in 2008 regarding the use of aftermarket parts and inferior repairs. Although the suit was eventually overturned, many people believe that the repair quality for claims has increased since this suit.
State Farm has a JD Power ranking of four out of five and a customer service smart ranking of five out of five. Most State Farm customers are very happy with their policies, due in part to the close relationships they forge with their agents. Getting a good agent is vital to satisfaction with State Farm since that individual will be your primary contact for all matters related to your insurance. Learn more in this State Farm auto insurance review.
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Allstate
Founded in 1931, Allstate is the second-largest insurer in the country. It employs about 35,000 people. Although it does sell numerous policies through agencies across the country, Allstate has an increasingly large focus on direct sales. Claims are mostly handled through claims centers, and customers can file over the phone, online, or through their agencies.
Although Allstate is far from the cheapest insurance company, it is competitive with State Farm, and in some states, it has more affordable car insurance policies. The large number of Allstate car insurance discounts make it appealing to a wide variety of insureds.
In 2008, Allstate auto insurance received criticism for not paying medical expenses related to claims. The insurance company insists that its practices are reasonable and that the allegations are unfounded.
Allstate ranks four out of five for customer service smart ranking and three out of five for JD Powers. The company has a higher rate of complaints than State Farm in many areas, due perhaps to the structure of the claims and customer service departments. Allstate outsources its customer service, and people who choose to purchase policies directly may have a more difficult time understanding what they’re buying than individuals who utilize agencies. Learn more in this Allstate auto insurance review.
Allstate vs State Farm Insurance: A Comprehensive Comparison of Claims Processes
Ease of Filing a Claim
Both State Farm and Allstate offer multiple avenues for filing insurance claims, providing flexibility and convenience for their customers. You can file a claim with both companies through various methods, including online, over the phone, and through mobile apps.
This ease of access allows policyholders to choose the method that suits them best, whether they prefer the convenience of digital channels or a more personal interaction over the phone.
Average Claim Processing Time
Claim processing time is a crucial factor when evaluating an insurance provider. While specific processing times can vary based on individual cases and the complexity of the claim, both State Farm and Allstate aim to expedite the claims process efficiently. However, it’s essential to check with each company for the latest information on their average claim processing times, as these figures may change over time.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on the resolution of claims and the payout process provides valuable insights into the overall satisfaction of policyholders. State Farm boasts high customer service rankings and a strong reputation for its claims handling. Similarly, Allstate offers a 24-hour claims service and online claims reporting, aiming to streamline the process for its customers.
To make an informed decision between the two, it’s advisable to consider customer feedback and reviews regarding their experiences with claim resolutions and payouts.
Allstate vs. State Farm: Exploring Digital Advancements and Technological Features
Mobile App Features and Functionality
In today’s digital age, insurance companies are increasingly focusing on providing robust mobile apps to enhance customer experience. Both State Farm and Allstate offer mobile apps with a range of features and functionality. These apps typically allow customers to manage their policies, file claims, access important documents, and even use digital tools to estimate repairs or track their driving habits for potential discounts.
Evaluating the specific features and user-friendliness of these apps can be a deciding factor for tech-savvy policyholders.
Online Account Management Capabilities
Online account management is another critical aspect of a modern insurance experience. Customers want the ability to access and manage their policies, make payments, and update their information online easily. State Farm and Allstate provide online account management capabilities, but the user interface, account features, and ease of use may differ.
Consider your preferences and requirements when assessing their online account management systems.
Digital Tools and Resources
Digital tools and resources offered by insurance providers can vary significantly. These tools may include resources for understanding coverage options, calculating premiums, and accessing educational materials about insurance. State Farm and Allstate may offer different sets of digital tools and resources to assist policyholders.
Assessing these offerings can help you determine which company aligns better with your needs and preferences for accessing information and support online.
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Frequently Asked Questions
What are the similarities between Allstate and State Farm car insurance?
Both Allstate and State Farm offer a range of car insurance coverages, including liability, collision, and comprehensive coverage. They also provide optional coverages, such as roadside assistance and rental car reimbursement.
What are the differences between Allstate and State Farm car insurance?
Allstate and State Farm differ in their discounts, pricing, and customer satisfaction ratings. Allstate auto insurance discounts include: discount for setting up automatic payments, while State Farm provides discounts for good students and safe drivers. In terms of pricing, the cost of car insurance can vary depending on factors such as location and driving history, so it’s best to compare quotes from both companies. According to J.D. Power’s 2021 U.S. Auto Insurance Study, State Farm ranks higher in overall customer satisfaction than Allstate.
Which company is better for car insurance, Allstate or State Farm?
It depends on individual factors such as location, driving record, and coverage needs. Both Allstate and State Farm are reputable car insurance providers, so it’s important to compare quotes from both companies and consider the discounts and coverages they offer to determine which one is the best fit for you.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.