Allstate vs Farmers
A detailed comparison of Allstate and Farmers car insurance, including coverage options, discounts, telematics programs, accident forgiveness, rental protection, vehicle replacement features and other factors that can matter when choosing an auto insurance policy.
“`Allstate vs Farmers at a Glance
“`Both companies offer standard auto insurance protections along with optional features, discounts and technology-based programs. The most useful comparison is therefore based on the features that matter to your particular driving situation.
Coverage Comparison
“`| Coverage / Feature | Allstate | Farmers |
|---|---|---|
| Liability | Available | Available |
| Collision | Available for covered collision losses. | Available to help repair or replace a vehicle after a covered collision. |
| Comprehensive | Available for covered non-collision losses such as theft, fire and weather-related damage. | Available for losses such as theft, vandalism, hail, wind, fire and animal-related damage. |
| Uninsured / Underinsured Motorist | Available, subject to state requirements and policy terms. | Available, with bodily injury and property-damage options subject to state rules. |
| Medical Payments | Available where applicable. | Available to help pay medical expenses for covered injuries. |
| Personal Injury Protection | Available in applicable states. | Available where applicable and can help with expenses such as rehabilitation and lost wages. |
| Rental / Transportation | Rental reimbursement / transportation expense coverage may be added to an auto policy. | Rental reimbursement can cover a rental vehicle for up to 30 days under applicable coverage terms; rental alternative/loss-of-use options may also be available. |
| Roadside Assistance | 24/7 roadside assistance is available as an option, including services such as towing, tire changes and jump starts. | Towing and roadside service can provide 24/7 assistance, including towing, tire changes, locksmith service and jump starts. |
| Accident Forgiveness | Optional feature available under applicable eligibility and policy terms. | Farmers states that one at-fault accident can be forgiven for every three years, subject to applicable terms and availability. |
| New Car Protection | New car replacement coverage may be available for qualifying vehicles. | New car replacement / Vehicle Replacement Plus is available in applicable states, with vehicle age and mileage conditions varying. |
| OEM / Original Parts | Coverage depends on the applicable policy and endorsement. | OEM / new original parts coverage is available for qualifying vehicles under applicable terms. |
| Gap / Loan Protection | Gap coverage may help cover the difference between an auto loan or lease balance and the vehicle’s actual cash value. | Gap / residual debt coverage can help cover the difference between what is owed and actual cash value, subject to limits and policy terms. |
| Rideshare | Rideshare coverage is available for eligible drivers in applicable states. | Rideshare and food-delivery coverage is available in applicable states and situations. |
Allstate Drivewise vs Farmers Signal
“`Telematics can be important for drivers who are comfortable sharing driving information in exchange for potential savings or personalized pricing. The programs work differently and their availability can vary.
Allstate Drivewise
Drivewise is an optional program connected to the Allstate mobile app. It uses driving information to provide a more personalized insurance rate and safe-driving feedback.
Driving behavior, participation and personalized pricing.
Drivers may receive a discount for enrolling and can potentially save more based on qualifying driving behavior.
Pricing can be affected by driving behavior, and program availability and terms can vary.
Farmers Signal
Signal is a smartphone-based program that evaluates driving behavior such as braking, phone use, time of day and mileage. Farmers can use the results to determine discounts or renewal pricing under applicable program rules.
Focused driving, hard braking, speed, time of day and mileage.
An initial discount may be available, followed by a renewal discount or factor based on driving behavior and participation.
Signal and its discount are not available in every state or with every Farmers policy.
Which Discounts Can Matter?
“`Allstate Discounts
Allstate lists savings opportunities that can include safe-driving discounts, Drivewise, multi-car, bundling, student-related discounts, vehicle safety features and payment-related savings.
Farmers Discounts
Farmers offers discounts that can depend on driving history, Signal, bundling, multiple vehicles, good student status, payment method and other eligibility factors.
State Matters
A discount shown on a national insurer website does not necessarily mean it is available to every driver. State rules, policy type and eligibility can change the actual savings available.
Accident Forgiveness: Allstate vs Farmers
“`Allstate offers Accident Forgiveness as an optional feature. When the feature applies, an eligible accident may not cause the policyholder’s rates to increase because of that accident.
The availability and qualifying requirements depend on the policy and applicable state rules.
View Allstate Auto Insurance →Farmers states that its Accident Forgiveness option can forgive one at-fault accident for every three years of driving without one.
Farmers also notes that availability and eligibility can vary by state and policy.
View Farmers Auto Insurance →Vehicle Protection Features
“`Drivers with newer vehicles may want to look beyond the basic liability, collision and comprehensive structure. Replacement protection, rental coverage, parts and loan protection can become important after a serious loss.
Replacement protection
Allstate offers new car replacement coverage for qualifying vehicles. Farmers also lists new car replacement and Vehicle Replacement Plus, with eligibility, age and mileage rules varying by state.
Parts and repair protection
Farmers offers OEM/new original parts coverage for qualifying vehicles. The availability of parts-related protection under an Allstate policy depends on the policy and applicable coverage options.
Rental and transportation
Both insurers offer options designed to help with transportation after a covered loss, although limits, qualifying claims and payment methods depend on the selected coverage.
Loan balance protection
Drivers with a loan or lease should compare whether they need gap or residual debt protection and examine the limits and conditions attached to the coverage.
Which Factors Can Change Your Quote?
“`Comparing the two companies using advertised discounts alone may not provide a realistic picture of your final premium. Insurers evaluate multiple rating factors when generating a personalized quote.
Driving Record
Tickets, accidents and other driving-history information can affect the price you are quoted.
Vehicle
The make, model, year, repair costs, safety equipment and other vehicle characteristics can influence insurance costs.
Location
Insurance pricing and required coverage vary by state and can also differ according to where the vehicle is garaged.
Coverage Limits
Higher liability limits, lower deductibles and additional optional coverage can change the total premium.
Discount Eligibility
Bundling, safe driving, student status, multiple vehicles and other qualifying factors may change the price.
Claims History
Previous claims and other insurance-history factors can affect eligibility and pricing.
How to Compare Allstate and Farmers Quotes
“`If price is part of your decision, compare quotes using the same coverage structure rather than comparing two different policy limits or deductibles.
Set Coverage
Choose the same liability limits, deductibles and optional protections.
Check Discounts
Review every discount for which you may qualify with each insurer.
Review Features
Compare roadside, rental, accident forgiveness, telematics and vehicle protection options.
Compare Quotes
Compare personalized prices only after making the coverage selections as similar as possible.
Allstate vs Farmers: Important Differences to Check
“`| What to Check | Allstate | Farmers |
|---|---|---|
| Telematics | Drivewise | Signal |
| Accident Forgiveness | Optional feature | One at-fault accident every three years, subject to terms |
| Rental Protection | Rental reimbursement / transportation expense options | Rental reimbursement and rental alternative/loss-of-use options |
| New Vehicle Protection | New car replacement available for qualifying vehicles | New car replacement / Vehicle Replacement Plus in applicable states |
| Roadside | 24/7 roadside assistance option | 24/7 towing and roadside service option |
| OEM Parts | Depends on policy and applicable coverage | OEM/new original parts option for qualifying vehicles |
| Rideshare | Available in applicable states | Rideshare and food-delivery options in applicable states |
| Pricing | Personalized quote required | Personalized quote required |
Frequently Asked Questions
“`Is Allstate or Farmers cheaper for car insurance?
There is no universal price comparison that applies to every driver. Your premium can depend on your state, location, vehicle, driving record, coverage limits, deductibles, claims history and discounts. The most useful comparison is to obtain personalized quotes using similar coverage from both companies.
Does Allstate have a safe-driving program?
Yes. Allstate’s Drivewise program uses driving information to provide feedback and can affect pricing based on participation and driving behavior. Program terms and availability apply.
Does Farmers have a safe-driving program?
Yes. Farmers Signal uses smartphone-based driving information. Farmers says the program can provide an initial discount and that future savings or pricing can depend on driving behavior and participation. Availability varies by state and policy.
Does Farmers offer Accident Forgiveness?
Yes. Farmers states that Accident Forgiveness can forgive one at-fault accident for every three years, subject to eligibility, state availability and policy terms.
Does Allstate offer rental car coverage?
Yes. Allstate offers rental reimbursement or transportation expense coverage that can help with transportation while a vehicle is being repaired following a covered claim, subject to the selected limits and policy terms.
Does Farmers offer new car replacement?
Farmers lists New Car Replacement and Vehicle Replacement Plus as available options in applicable states. Vehicle age, mileage and other conditions can determine eligibility.
Should I compare discounts or the final quote?
Both matter, but the final personalized quote is the amount that reflects your actual driver, vehicle, location, selected coverage and eligible discounts. When comparing prices, keep the coverage limits and deductibles as similar as possible.
Explore Allstate and Farmers
“`Review the dedicated company pages on Newest Cars Insurance before comparing your coverage options and requesting a personalized quote.
“`