Auto insurance · Updated August 2026
Allstate vs Foremost
Allstate is built for drivers who want a local agent and bundled home coverage. Foremost is built for owners of specialty vehicles and mobile homes. On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Foremost Ins. Co. (Grand Rapids, MI) drew 0.71, against an industry median of 1.00. AM Best rates Allstate A+ and Foremost A. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Kevin Lee, licensed insurance agent · NPN 19669698
The short answer
Allstate has written auto since 1931 and writes through Allstate group companies. AM Best rates it A+. The tradeoff: it drew 0.82 on the 2025 complaint index against Foremost's 0.71.
Foremost has written auto since 1952 and writes through Foremost Insurance Co., part of Farmers. Foremost Ins. Co. (Grand Rapids, MI) drew 0.71 on the NAIC's 2025 complaint index, 25 complaints on $741 million of private-passenger premium. The tradeoff: AM Best rates it A against Allstate's A+.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
Allstate vs Foremost: the data sheet
Sources are listed under the measured figures. How we compare
Allstate | Foremost | |
|---|---|---|
| Built for | Drivers who want a local agent and bundled home coverage | Owners of specialty vehicles and mobile homes |
| Who underwrites it | Allstate group companies | Foremost Insurance Co., part of Farmers |
| Complaints per policyForemost, ahead of Allstate | 0.82 454 complaints on $11.7B written | 0.71 25 complaints on $741M written |
NAIC complaint index, 2025, private passenger auto · Allstate Fire & Casualty Ins. Co. vs Foremost Ins. Co. (Grand Rapids, MI) · 1.00 is the industry median | ||
| Financial strengthBoth strong; Allstate a step higher | A+ Superior | A Excellent |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyTied | 5 lines auto, home, renters, motorcycle, life | 5 lines home, auto, renters, mobile home, specialty property |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Availability | All 50 states | Available in most states |
| Known for | Drivewise rewards, Milewise pay-per-mile in some states | Mobile home and specialty-vehicle coverage, part of Farmers |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Foremost Ins. Co. (Grand Rapids, MI) drew 0.71, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates Allstate A+ and Foremost A. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Allstate policies are written by Allstate group companies. Foremost policies are written by Foremost Insurance Co., part of Farmers. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Both write five lines. Allstate writes auto, home, renters, motorcycle, and life. Foremost writes home, auto, renters, mobile home, and specialty property. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Allstate or Foremost?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Rates are filed state by state. Both companies file their rates with each state's regulator, so the same company charges different amounts in different states. Availability differs by state as well, and the data sheet above carries what each company publishes.
The bundle decides some comparisons. Both companies write more than one line, so the combined number can settle the comparison rather than the auto number alone. Multi-policy discounts are filed per state.
One application. Real prices from the carriers writing in your state.