Allstate vs Farmers: which is better for car insurance in 2026?
Across our six scoring categories, Allstate comes out ahead in 3, Farmers in 0, with 3 too close to call. On our weighted overall score the two finish within 0.3 of a point — a genuine draw. The right answer here depends less on which company is "better" and more on which one prices your specific profile lower, and that is not knowable without running both quotes. Allstate is the stronger pick for drivers who want an agent and will bundle enough to offset the premium; Farmers for drivers who want an agent and have specific coverage needs farmers can meet.
Allstate vs Farmers, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Allstate aheadAllstate averages $3,176/yr for full coverage against Farmers's $4,048/yr — about $872 a year, or 72.7 dollars a month, in Allstate's favor for this profile.
$3,176 a year for full coverage — 35% above the national average and the third most expensive carrier in this review. This is the number that defines Allstate.
$4,048 a year for full coverage, 72% above the national average and the most expensive carrier in this review by a wide margin.
Claims satisfaction
Allstate aheadAllstate takes claims satisfaction on 693/1,000 against Farmers's 690/1,000.
693 out of 1,000, seven points below the segment average. Middling, and not enough to justify the premium on its own.
690 out of 1,000, ten points below the segment average.
Complaint record
Too close to callNeither pulls ahead on complaint record: Allstate posts About the expected number and Farmers About the expected number, a difference too small to choose on.
Close to the number of complaints expected for its size.
Close to the number of complaints expected for its size.
Financial strength
Allstate aheadAllstate takes financial strength on A+ against Farmers's A.
AM Best A+ (Superior).
AM Best A (Excellent).
Discounts
Too close to callNeither pulls ahead on discounts: Allstate posts 5 published and Farmers 10 published*, a difference too small to choose on.
Allstate's current discounts page publishes only five named discounts, the thinnest list of any national carrier here — several features it was historically known for no longer appear on live pages.
Roughly ten discounts, though Farmers blocks automated access to its own discounts page, so we could not verify the list or its telematics program name directly.
Digital experience
Too close to callNeither pulls ahead on digital experience: Allstate posts 4.79 iOS / 4.1 Android and Farmers 4.84 iOS / 4.7 Android, a difference too small to choose on.
4.79 on the App Store but only 4.1 on Google Play, the widest platform gap among the large insurers.
4.84 on the App Store and 4.7 on Google Play — the best-rated app pairing in this review, across a relatively small rating base.
So which one?
Pick Allstate if…
- You are among drivers who want an agent and will bundle enough to offset the premium.
- Price is your first filter — Allstate averages $3,176/yr for full coverage on our benchmark profile.
- You care most about how a claim actually goes: Allstate scores 693/1,000.
- Financial strength is a priority; Allstate holds A+ from AM Best.
Pick Farmers if…
- You are among drivers who want an agent and have specific coverage needs farmers can meet.
- Availability fits: 40 states, through agents — the Farmers brand left Florida in 2023 and does not write in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont or West Virginia.
Allstate vs Farmers, answered
The questions people ask before switching between these two.
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