Allstate or Farmers Insurance

Compare car insurance for Allstate vs Farmers by looking at rates and ratings. J.D. Power rated both Allstate and Farmers a 3 out of 5 for overall satisfaction and both offer competitive rates for car insurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 3, 2021

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Here's what you need to know...

  • Allstate and Farmers both offer competitive rates for car insurance
  • Allstate has slightly higher ratings in customer service
  • Both companies are worth researching to see if their auto insurance coverage will work for you


Choosing between Allstate and Farmers insurance can be a tough decision. Both are among the top 5 largest car insurance companies. Allstate is regarded as the second-largest insurance provider in the nation’s auto insurance industry, and Farmers is ranked third.

Allstate vs Farmers: Which to choose?

Allstate has more than 37,000 employees serving its 17 million insurance policyholders; Farmers insurance company provides approximately 15 million policyholders with insurance, and those individuals are served by about 20,000 employees.

Selecting between these two leading competitive insurance firms becomes a lot easier when you have factual information to make a fair comparison.

Read on to discover which company you prefer, and then enter your zip code to compare car insurance quotes from multiple companies!

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Allstate Insurance Keeps Growing Over Seven Decades

Allstate’s headquarters are in Northbrook, Illinois, and has been selling insurance since 1931 as a part of Sears, Roebuck and Company. Today, Allstate runs 15 companies around the United States and in Canada selling many different types of insurance. Its products include:

  • Homeowners insurance
  • Automobile insurance
  • Condominium insurance
  • Renters’ insurance
  • Life insurance
  • Long-term care insurance
  • Estate planning products
  • Mutual fund investments

Allstate auto insurance company also has an accident-free discount option if there are no “moving violations” within the previous three years.

How Does Allstate Rank In Customer Service?

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Several studies have been done on Allstate’s quality of customer service.

A J.D. Power insurance report in 2008 classified Allstate as a strictly average insurance provider. Allstate’s pricing rated below average, but the policies it offered and their payment and billing system were shown to be above average.

Their average rating was determined on a scale of 1 to 5, with 1 as poor and 5 as among the best.

  • Prices – 2/5
  • Insurer contact – 3/5
  • Customer general experience – 3/5
  • Payment and billing – 4/5
  • Policies offered – 4/5

A.M. Best ranked Allstate as a superior A+ provider.

Farmers Insurance Group of Companies: 80 Years To Prosperity

In 1928, Farmers Insurance Group was started by two rural residents of Los Angeles, California. It was initially called the Farmers Automobile Inter-Insurance Exchange. It is still based in Los Angeles, although Farmers Insurance Group has a parent company called Zurich Financial Services in Sweden.

Today, Farmers Insurance Group provides insurance products in 41 states within the U.S. Some of the insurance policy options include:

  • Auto insurance
  • Collectible auto insurance
  • Whole life insurance
  • Homeowners insurance
  • Renter insurance
  • Motorcycle insurance
  • Boat insurance
  • Commercial real estate insurance

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Farmers Insurance Group Customer Service Rating

Farmers Insurance Group has shown below average to average ratings in recent studies. According to Consumer Reports, Farmers insurance Group has one of the worst companies to pay on its claims. It was described as being “tight-fisted” by Consumer Reports as well.

A customer satisfaction study performed by J.D. Powers & Associates in 2008 showed Farmer’s ratings as the following:

  • General experience – 3 out of 5
  • Prices – 2 out of 5
  • Insurer contact – 3 out of 5
  • Payment and billing – 2 out of 5
  • Policies offered – 3 out of 5

Out of a total score of 13 with a potential of 20, Farmers Insurance Group customer satisfaction ratings were average to below average compared to other insurance companies.

Should you buy from Farmers Insurance Group or Allstate?

Should you buy car insurance from Farmers Insurance Group or Allstate? Well, no one company is the best for everyone, so why not shop them all?

Enter your zip code for a free car insurance comparison of multiple companies now!

References:

  1. https://www.allstate.com/
  2. https://www.farmers.com/
  3. https://www.allstate.com/tools-and-resources/renters-insurance/what-does-renters-insurance-cover.aspx
  4. https://definitions.uslegal.com/m/moving-traffic-violation/
  5. https://www.jdpower.com/ratings/study/U.S.-Insurance-Shopping-Study/524ENG
  6. https://www3.ambest.com/ratings/entities/CompanyProfile.aspx?AMBNum=8&URatingId=50022&ExtUser=&ExtMisc

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