Farmers vs. Allstate: Which Car Insurance Is Better in 2026?
Farmers and Allstate are both mid-tier insurers with strong reputations. Neither competes on price with Geico or Progressive, but both offer unique features. Here is how they compare.
Average Rates Comparison
| Driver Profile | Farmers | Allstate | Winner |
|---|---|---|---|
| Clean record, 30s | ,520/yr | ,450/yr | Allstate (-5%) |
| Young driver, 21 | ,300/yr | ,100/yr | Allstate (-5%) |
| After one accident | ,400/yr | ,200/yr | Allstate (-6%) |
| Senior driver, 65+ | ,700/yr | ,600/yr | Allstate (-6%) |
| Bundled home+auto | ,600/yr | ,500/yr | Allstate (-4%) |
Key takeaway: Allstate is consistently 4-6% cheaper than Farmers across all driver profiles.
Coverage Features
Farmers Unique Features: - Signal (telematics): Up to 30% savings - Accident forgiveness: Available (not automatic) - New car replacement: Available for 2 years - Custom parts coverage: Included - Rideshare coverage: Available in most states - Multi-car discount: Up to 25%
Allstate Unique Features: - Drivewise (telematics): Up to 40% savings - Accident forgiveness: Included for qualifying drivers - New car replacement: Covered for first model year - Deductible rewards: 100 dollars off per claim-free year - Safe driving bonus: Annual check for clean record - Milewise (pay-per-mile): Available in some states
Claims and Customer Service
Farmers: - J.D. Power claims satisfaction: 860 out of 1,000 (average) - AM Best financial rating: A (excellent) - Local agents: 21,000+ nationwide - Average claim resolution: 10-14 days
Allstate: - J.D. Power claims satisfaction: 870 out of 1,000 (average) - AM Best financial rating: A+ (superior) - Local agents: 10,000+ nationwide - Average claim resolution: 10-14 days
Which Is Better for You?
Choose Farmers if: - You want a larger local agent network (21,000+ agents) - You want custom parts coverage included - You want rideshare coverage in most states - You want a multi-car discount (up to 25%)
Choose Allstate if: - You want slightly lower rates - You want accident forgiveness included - You want new car replacement coverage - You want unique features like deductible rewards
The Bottom Line
Allstate wins on price by a small margin. Farmers wins on agent availability and custom parts coverage. For most drivers, the difference is small enough that personal preference and local agent availability should drive your decision.
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