Complete 2025 comparison of two of America's largest insurance companies
State Farm is best for: Customers who want local agent support and competitive rates.
Allstate is best for: Drivers who want robust digital tools and accident forgiveness.
| Feature | 🔴 State Farm Best for Service
|
🟡 Allstate Best for Tech
|
|---|---|---|
| Average Annual Rate | $1,350 | $1,680 |
| J.D. Power Rating | 4.5/5 | 4.2/5 |
| AM Best Rating | A++ | A+ |
| Local Agents | 19,000+ agents | 10,000+ agents |
| Mobile App Rating | 4.8/5 | 4.7/5 |
| Bundling Discounts | Up to 20% | Up to 25% |
| Accident Forgiveness | Available (limited) | Included with Platinum |
| Telematics Program | Drive Safe & Save | Drivewise |
State Farm generally offers lower average rates ($1,350/year) compared to Allstate ($1,680/year). However, actual rates vary significantly based on location, driving history, and coverage needs. State Farm's larger agent network often provides more personalized pricing.
Both companies offer comprehensive coverage including:
| State Farm Exclusive | Allstate Exclusive |
|---|---|
| Steer Clear (young driver program) | Milewise (pay-per-mile) |
| Drive Safe & Save telematics | Drivewise rewards program |
| Largest agent network | Claim Satisfaction Guarantee |
| Bank and financial products | QuickFoto Claim |
Choose State Farm if you want lower rates, prefer working with local agents, and value strong financial stability.
Choose Allstate if you want accident forgiveness, prefer digital-first service, and drive fewer miles (Milewise program).
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