Farmers and Allstate are similarly priced with Farmers winning by a narrow $21 per year margin. Farmers wins on claims satisfaction and offers better rideshare coverage for Uber and Lyft drivers. Allstate's Drivewise program is more established than Farmers' Signal app. Both are more expensive than the national average so compare both against Geico or State Farm before committing.
Rate Comparison: Farmers vs Allstate
| Driver Profile | Farmers | Allstate | Cheaper Option |
|---|---|---|---|
| Clean record — 35, good credit | $1,596/yr | $1,617/yr | Farmers |
| One speeding ticket | $2,010/yr | $1,988/yr | Allstate |
| At-fault accident | $2,314/yr | $2,279/yr | Allstate |
| DUI conviction | $2,904/yr | $2,829/yr | Allstate |
| Young driver age 22 | $3,351/yr | $3,314/yr | Allstate |
Winner on price: Farmers offers lower average rates for most driver profiles. The difference is $21 per year on average.
Claims Satisfaction: Farmers vs Allstate
Farmers scores above the industry average on claims satisfaction with customers reporting fast claim payments and responsive adjusters.
Allstate scores below average on claims satisfaction, with customers citing inconsistent adjuster quality and longer-than-average processing times.
Winner on claims: Farmers edges out the competition based on J.D. Power claims satisfaction data and customer feedback analysis.
Final Verdict: Farmers vs Allstate
Overall winner: Farmers.
Farmers and Allstate are similarly priced with Farmers winning by a narrow $21 per year margin. Farmers wins on claims satisfaction and offers better rideshare coverage for Uber and Lyft drivers. Allstate's Drivewise program is more established than Farmers' Signal app. Both are more expensive than the national average so compare both against Geico or State Farm before committing.
Before committing to either Farmers or Allstate, we strongly recommend getting quotes from both companies plus at least 2 additional insurers. The 10-minute comparison process regularly reveals savings of $400 to $2,000 per year.