By the Five Star Insurance Reviews editorial team ยท Updated October 13, 2026
State Farm vs Allstate: which fits you better?
Neither carrier is the cheapest for everyone. This guide compares general features so you know what to ask when quotes arrive.
| State Farm | Allstate | |
|---|---|---|
| Best for | Drivers who want a local agent | Discount hunters who also want an agent |
| Strengths | Large agent network Savings for bundling home, renters or life | Discounts for safe driving, low mileage and bundling Agents plus online options |
| Watch out for | Agent-based buying can take longer than online-only | Pricing varies widely by driver profile |
Swipe sideways if the table is cut off.
Where they differ
What they share
- Local agents available
- Rewards bundling home and auto
Sold through, availability and programs
| State Farm | Allstate | |
|---|---|---|
| Sold through | Local State Farm agents, plus online quoting | Local Allstate agents, plus online and phone |
| Where available | Check your state | All 50 states and DC |
| AM Best rating | A++ | A+ |
| Usage-based program | Drive Safe & Save, not offered in every state | Drivewise (many states) and Milewise pay-per-mile (limited states) |
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Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.
Who each fits best
- State Farm tends to suit drivers who want a local agent.
- Allstate tends to suit discount hunters who also want an agent.
How to decide
- Match the carrier to how you like to buy and manage a policy.
- Compare the same coverage limits and deductibles on every quote.
- Ask each carrier which discounts are applied.
Based on each carrier’s published features. Details vary by state, so confirm with each carrier.
Read the full reviews: State Farm and Allstate.
Related comparisons
FAQs
Is State Farm or Allstate cheaper?
It depends on you. Each carrier weighs age, location, vehicle and history differently, so compare personal quotes from both.
Who is each company best for?
State Farm tends to suit drivers who want a local agent. Allstate tends to suit discount hunters who also want an agent.
Can I get quotes from both?
Often yes. Request quotes through our partner and compare the offers side by side.
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