Allstate vs. State Farm (2026): Price, Claims & Satisfaction Compared

State Farm beats Allstate on price for most drivers — about $669 a year cheaper for full coverage on average — and scores higher on J.D. Power claims satisfaction. Allstate has one specific edge: drivers with a credit score below 580. For the full carrier lineup, see our best car insurance companies pillar guide.

Price and satisfaction comparison

Where State Farm wins

State Farm beats Allstate on price for clean-record drivers, married drivers, senior drivers, drivers with one prior accident, and — somewhat counterintuitively — drivers with a DUI on record. It also posts the stronger J.D. Power claims-satisfaction score of the two (716 vs. 693 out of 1,000). For drivers specifically shopping post-DUI, though, it's worth checking our best car insurance for DUI drivers guide — Progressive and a handful of non-standard carriers can still undercut both State Farm and Allstate for that specific profile.

Where Allstate wins

Allstate is the more competitive option specifically for drivers with a credit score below 580. Credit-based insurance scoring affects rates significantly at both carriers — and everywhere else credit scoring is legal — so if credit history is a factor for you, see our guide on how bad credit affects your car insurance rate before assuming State Farm's overall price advantage applies to your situation.

The bottom line

For most driver profiles, State Farm is the stronger default choice on both price and claims experience. The credit-score exception is specific and worth checking if it applies to you — get quotes from both rather than assuming the general trend holds for your exact profile.

Frequently asked questions

Is State Farm cheaper than Allstate?+

For most drivers, yes — State Farm has been reported at roughly $2,686 a year for full coverage versus Allstate's $3,355, a difference of about $669 a year. The exception is drivers with a credit score below 580, where Allstate tends to be more competitive.

Which company has better claims satisfaction, Allstate or State Farm?+

State Farm scored higher in J.D. Power's most recent U.S. Auto Claims Satisfaction Study at 716 out of 1,000, above the industry average of 700.2, while Allstate scored 693, below average.

Does State Farm or Allstate offer better rates after a DUI?+

State Farm has been reported to beat Allstate on price for drivers with a DUI specifically, though neither is typically the single cheapest option after a DUI — Progressive and a few non-standard carriers are generally more competitive for that specific profile.

Why is Allstate cheaper for drivers with bad credit?+

Insurers weight credit-based insurance scores differently in their pricing models. Available comparisons show Allstate's pricing curve for below-580 credit scores runs more favorably than State Farm's for that specific tier, though both carriers charge more for lower credit tiers than for good credit overall.