Allstate vs. State Farm – Lowest Car Insurance Rates

Allstate and State Farm are two of the biggest car insurance companies in the United States. If you are shopping for lower car insurance rates, you probably considered one or the other or maybe even both.

Each company sells car insurance through insurance agents, so if you want to have a local agent to turn to at claim-time, both provide this service. Allstate also sells insurance through independent agents, so even though an agent may not advertise as being an Allstate agent, they may have access to Allstate products.

Both insurers provide coverages for your car, home, RV, ATV, and boat, as well as offering personal umbrella coverage which protects you further in case of a large liability claim.

When it comes time to compare the car insurance rates of Allstate and State Farm, the key is to make sure you’re comparing identical coverage quotes from both companies. You may not be able to compare exact coverages, as limits may differ slightly depending on the coverage, but get as close to identical coverage as you can to make a fair comparison.

Both State Farm and Allstate will give you a lower package rate if you purchase all your coverages from the same company. This is known as a multi-policy discount and the savings can be substantial. So even though you may just be comparing car insurance rates, you may want to consider letting both companies quote your entire personal insurance plan.

Your actual car insurance rates will depend on a number of factors including your age, driving record, the type of vehicles you drive, your credit rating, the ages and driving records of other drivers on your policy, and others.

The easiest way to compare the rates of multiple companies at the same time is to take advantage of our one-form, multiple quote service. By entering your zip code on any of the forms on this page, you complete an easy and quick quote form and your information is automatically submitted to multiple companies. You can then compare car insurance rates without any high-pressure sales tactics and choose the plan that fits you best.