Allstate vs. State Farm: Which Should You Choose?

Allstate state farm
Motorcycle insurance Yes Yes
Boat insurance Yes Yes
Classic car insurance Yes Yes
RV insurance Yes Yes
Off-road vehicle insurance Yes Yes
Condominium insurance Yes Yes
Owner’s insurance Yes Yes
Personal effects insurance Yes Yes
Prefabricated Home Insurance Yes Yes
Farm and ranch insurance Nope Yes
Identity theft insurance Yes Yes
Individual life insurance Yes Yes
Individual health insurance Nope Yes
Pet medical insurance Yes Yes
Individual disability insurance Nope Yes
Flood insurance Yes Yes
Phone protection Yes Nope
Event insurance Yes Nope


Allstate vs. State Farm: Customer Service

Both Allstate and State Farm have good customer service options. You can request assistance by calling the company during business hours, downloading the mobile app (if you are already insured), logging into the online customer portal, or visiting an agent in person at a local office . However, support for some policies, such as life insurance and commercial insurance, is only available by phone or in person.


Allstate v. State Farm: Claims

State Farm and Allstate have online and mobile claims systems, but only for auto, home, and renters insurance claims, as well as windshield repair claims. If you need to file a claim for any other type of policy, you will need to call the company directly.

Whether you file a claim online or over the phone, the process is very similar. You will be asked to provide your policy number, then describe the claim and submit photos if you have proof of damage. Then you will be assigned a claims adjuster who will contact you and explain the claims process and what your policy will cover.


Allstate vs. State Farm: Customer Satisfaction

As part of our provider comparison, we looked at online reviews from current and past policyholders of Allstate and State Farm. Overall, both companies have mostly positive reviews, with customers citing efficient claims handling, prompt roadside assistance, affordable premiums and helpful mobile tools.

Most negative reviews for Allstate and State Farm come from customers who feel they have not received fair payment after a claim or that a claim has been denied. Other customers said they had trouble getting in touch with agents and had billing issues.

It’s important to note that State Farm and Allstate work with independent agents, which means you need to call your personal agent to administer your policy and ask about your coverage. Your agent is able to provide the best customer service, but since they work with many policyholders, contacting them may be more difficult.


Allstate vs. State Farm: Get a Quote

When comparing insurance companies, getting quotes is an important part of the process. Fortunately, both State Farm and Allstate offer online quotes for most of the insurance products they sell. You can also get a quote by calling an agent if you prefer.

The process of getting a quote is pretty much the same for every company. You will need to provide information about yourself, such as your date of birth, social security number, and address, as well as information relevant to the policy you are purchasing.

Since both Allstate and State Farm work with independent agents, it’s important to find an agent you feel comfortable working with. If you don’t establish a rapport with the first agent you speak with, you might consider finding another one in your area.

Whether you get a quote online or over the phone, the process should only take a few minutes. And if you get a quote online, you’ll have the option to save the quote and come back to it later, so there’s no pressure to buy a policy on the spot.


Methodology

To review State Farm and Allstate, we started by looking at their Availability Zones, NAIC Complaint Index score, and AM Best score for each vendor. The NAIC Business Complaints Index is a ratio of complaints per market share, with 1.0 being the average and anything above 1.0 being considered to have more complaints than expected for its size. Next, we looked at the coverage options, discounts, and endorsements available for auto, home, renters, and commercial insurance. Finally, we researched customer reviews and testimonials and assessed the ease of getting a quote and filing a claim.