Overall verdict
Farmers wins 5–4 categories
Farmers leads on more rate factors. Allstate may still win for specific profiles — see the table below.
Side-by-side comparison
| Feature | Allstate | Farmers | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,836/yr | ~$1,768/yr | ✓ Farmers |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 1.1 — below average | 0.86 — good | ✓ Farmers |
| Credit: excellentrate change for excellent credit | -13% | -10% | ✓ Allstate |
| Credit: fair / poorrate change for fair credit | +30% | +24% | ✓ Farmers |
| Young drivers · 18–24surcharge vs 35–54 baseline | +18% | +17% | ✓ Farmers |
| Drivers 55+discount vs 35–54 baseline | -8% | -7% | ✓ Allstate |
| Homeowner discount | -10% | -7% | ✓ Allstate |
| Multi-policy discount | -8% | -6% | ✓ Allstate |
| Lapsed coverage penaltysurcharge for coverage gap | +16% | +14% | ✓ Farmers |
| How to buy | Online + agent | Agent only | — |
| Telematics program | Drivewise | Signal | — |
Who wins by driver profile
Good credit · clean record
Farmers
saves ~$6/yr
Fair / poor credit
Farmers
saves ~$195/yr
Young driver · 18–24
Farmers
saves ~$23/yr
Drivers 55+
Allstate
saves ~$10/yr
Homeowner bundle
Allstate
saves ~$68/yr
About Allstate
Among the pricier majors, but accident forgiveness rewards loyal customers. Drivewise can offset base rates for safe drivers. In this comparison, Allstate has the advantage on excellent-credit rate, 55+ rate, homeowner discount. Best for: Accident forgiveness programs.
About Farmers
Strong agent network in the West and Southwest. Above-average pricing, but solid claims satisfaction. In this comparison, Farmers has the advantage on avg rate, complaints, fair-credit rate. Best for: Full-service agent experience.
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