Is Allstate cheaper than State Farm?

Not reliably, in either direction. Both companies file rates state by state, and the lead changes with the state and the driving record. For the same driver in the same state, either can return the lower number.

Which is financially stronger, Allstate or State Farm?

AM Best rates Allstate A+ and State Farm A++. A++ is the highest grade AM Best issues, and the grade measures the ability to pay claims rather than service or price.

Do Allstate and State Farm file SR-22s?

Both companies file SR-22s, on terms set by each state. An SR-22 is a form the insurer files with the state to prove you carry the required coverage. It attaches to a policy rather than being one.

Auto insurance · Updated August 2026

Allstate vs State Farm

Q: Which has fewer complaints, Allstate or State Farm?

State Farm, on the NAIC's published index. On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and State Farm Mutual Automobile Ins. Co. drew 0.59, against an industry median of 1.00.

Allstate is built for drivers who want a local agent and bundled home coverage. State Farm is built for drivers who want a local agent with a national carrier. On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and State Farm Mutual Automobile Ins. Co. drew 0.59, against an industry median of 1.00. AM Best rates Allstate A+ and State Farm A++. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.

By Armando Chavarria, licensed insurance agent · NPN 17042827

The short answer

Allstate, for drivers who want a local agent and bundled home coverage.

Allstate has written auto since 1931 and writes through Allstate group companies. The tradeoffs: it drew 0.82 on the 2025 complaint index against State Farm's 0.59, and AM Best rates it A+ against State Farm's A++.

State Farm, for the stronger complaint record.

State Farm has written auto since 1922 and writes through State Farm Mutual Automobile Insurance Co. and subsidiaries. State Farm Mutual Automobile Ins. Co. drew 0.59 on the NAIC's 2025 complaint index, 1,815 complaints on $64.6 billion of private-passenger premium. AM Best rates it A++, the highest grade it issues. The tradeoff: it writes in 48 states and Washington, D.C. against Allstate's all 50 states.

On price, there's no standing winner.

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.

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Side by side

Allstate vs State Farm: the data sheet

Sources are listed under the measured figures. How we compare

	Allstate	State Farm
Built for	Drivers who want a local agent and bundled home coverage	Drivers who want a local agent with a national carrier
Who underwrites it	Allstate group companies	State Farm Mutual Automobile Insurance Co. and subsidiaries
Complaints per policyState Farm, ahead of Allstate	0.82 454 complaints on $11.7B written	0.59 1,815 complaints on $64.6B written
	NAIC complaint index, 2025, private passenger auto · Allstate Fire & Casualty Ins. Co. vs State Farm Mutual Automobile Ins. Co. · 1.00 is the industry median
Financial strengthBoth strong; State Farm a step higher	A+ Superior	A++ Superior
	AM Best financial strength rating · A++ is the highest issued
Coverage you can buyTied	5 lines auto, home, renters, motorcycle, life	5 lines auto, home, renters, life, umbrella
PriceNot rated	Filed state by state, priced to the driver. The main factors are below.
Mobile appEffectively tied	4.79 1,257,155 ratings	4.79 1,246,642 ratings
	Apple App Store, August 2026
SR-22 filing	Yes	Yes
Telematics program	Drivewise	Drive Safe & Save
Availability	All 50 states	48 states and Washington, D.C.
Known for	Drivewise rewards, Milewise pay-per-mile in some states	Largest U.S. auto insurer, local agent network

In practice

Where they differ

The complaint records

On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and State Farm Mutual Automobile Ins. Co. drew 0.59, 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 State Farm 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. State Farm policies are written by State Farm Mutual Automobile Insurance Co. and subsidiaries. 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. State Farm writes auto, home, renters, life, and umbrella. If auto is all you need, the difference costs you nothing.

Price

Which is cheaper: Allstate or State Farm?

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.

Availability decides some matchups. Allstate writes in all 50 states. State Farm writes in 48 states and Washington, D.C. Where only one of them writes in your state, the comparison answers itself.

Telematics moves the number. Both run a program: Drivewise at Allstate, Drive Safe & Save at State Farm. A telematics program measures driving through an app or a plug-in device and adjusts the price on the result. The size of that adjustment is filed per state.

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