Allstate vs State Farm Comparison

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
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UPDATED: Mar 13, 2020

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Allstate or State Farm – comparing car insurance companies can be difficult and when you have to choose between 2 of the top car insurance companies how do you decide?

Both Allstate and State Farm each hold a commanding market share of car insurance policies in the USA but which one is better? For many drivers the only difference is the name as both are extremely solid companies but there is always a difference between insurance providers if you look close enough.

About State Farm

State Farm has over an 18% market share of car insurance policies in America with over 75 million policyholders and easily claims title to the largest car insurance company. Number 34 on the Fortune 500 list and almost 75% of their entire insurance portfolio auto insurance coverage, the State Farm car insurance company is a solid choice of an insurer for many drivers.

The downfall is that some consumers report State Farm auto insurance premiums are higher than other insurers and some even report that this auto insurer may drop coverage at renewal time for high risk drivers without notice. If you have a good driving record State Farm is a logical choice as a potential car insurance company but there are concerns about the company loyalty once your driving record becomes a little tarnished.

Read State Farm Car Insurance Reviews

About Allstate

Allstate is also a top car insurance company – #2 in fact with a 10.5% market share of auto insurance policies in the USA and is widely known for its slogan “You’re in good hands with Allstate”. With almost 10 million policyholders choosing Allstate as a car insurance company will certainly have you backed by one of the most financially solid car insurance companies around.

Allstate also as a tremendous amount of local agents and employees to assist you with insurance needs and a wide line of personal and commercial lines of insurance for all your needs. Some consumers report that multi-policy discounts seem to be higher with Allstate than State Farm but this really depends on your other insurance needs and where you live.

Read Allstate Car Insurance Reviews

Both Allstate and State Farm excel in handling claims, customer service and high industry ratings. There are only a few companies who can match the security of having either of these auto insurers in your corner during a car accident so choosing one or the other will come down to a personal choice as both are basically equal in the overall picture as a car insurance company.

Industry Awards: Allstate vs. State Farm

J.D. Power and Associates annually publishes a national study on auto insurance companies and in the 2010 report these 2 car insurance companies actually did not perform as close as we thought the top 2 auto insurance providers would. Even though these auto insurers lead the car insurance market and hold almost a 30% market share between the two companies Allstate was ranked #18 overall in the JD Power report and State Farm #5. It’s important to understand however those national studies should only be taken at face value. Any survey can be worded a number of ways to lead to different results. Both Allstate and State Farm are two of the finest car insurance companies in America so choosing one will simply depend on you personal preference as its almost impossible to say one is better than the other.

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