Allstate vs FarmersCar insurance compared

Compared: Personal auto policy vs Personal auto policyDocuments checked: November 12, 2026

Short answer

As of November 12, 2026, from Select Your Cover's read of both insurers' documents:

They split the points we compared, but the right choice depends on you and the price you're quoted. Allstate is stronger on no single point; Farmers on no single point.

Allstate

8.1

Good

How we score

Personal auto policy

1.3on Trustpilot · 1,164 reviews

Visit Allstate ↗

7.8

Fair

How we score

Personal auto policy

1.2on Trustpilot · 375 reviews

Visit Farmers ↗

Head to head

Accident forgiveness

No clear edge

Both: Optional add-on

Roadside and towing

No clear edge

Both: Up to 100 miles

Side by side

Pick what matters to you and see which of the two fits. Tap any value to read the exact wording.

What matters to you?

Pick any. Those rows move to the top and we show who leads on them.

Allstate

Personal auto policy

Farmers

Personal auto policy

Accident forgiveness

Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.

Optional add-on

New car replacement

If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.

Cars up to 2 model years oldmay no longer be sold

First 2 model yearsand under 24,000 miles

Gap or loan payoff

Pays what you still owe on a loan or lease when that's more than the car is worth.

Not stated

Up to 25% of valueloan/lease payoff

Shrinking deductible

Your deductible drops for every claim-free year or six months.

Up to $500 off

$50 every 6 claim-free monthsno cap stated

Rental car

Pays for a rental while your car is repaired after a covered claim.

Optionallimits you choose

Roadside and towing

Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.

Up to 100 mileson the top plan

Rideshare drivers

Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.

App on + after pickupfills the deductible gap

While the app is onuntil a ride is acceptedSources differ

Safe-driving discount

An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.

Drivewiseno maximum discount stated

Farmers Signalno maximum discount stated

AM Best rating

AM Best grades an insurer's ability to pay claims. A++ is the top grade.

Not stated

AExcellent

Allstate

Personal auto policy

Farmers

Personal auto policy

Accident forgiveness

Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.

AllstateOptional add-on

FarmersOptional add-on

New car replacement

If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.

AllstateCars up to 2 model years oldmay no longer be sold

FarmersFirst 2 model yearsand under 24,000 miles

Gap or loan payoff

Pays what you still owe on a loan or lease when that's more than the car is worth.

AllstateNot stated

FarmersUp to 25% of valueloan/lease payoff

Shrinking deductible

Your deductible drops for every claim-free year or six months.

AllstateUp to $500 off

Farmers$50 every 6 claim-free monthsno cap stated

Rental car

Pays for a rental while your car is repaired after a covered claim.

AllstateOptionallimits you choose

FarmersOptionallimits you choose

Roadside and towing

Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.

AllstateUp to 100 mileson the top plan

FarmersUp to 100 mileson the top plan

Rideshare drivers

Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.

AllstateApp on + after pickupfills the deductible gap

FarmersWhile the app is onuntil a ride is acceptedSources differ

Safe-driving discount

An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.

AllstateDrivewiseno maximum discount stated

FarmersFarmers Signalno maximum discount stated

AM Best rating

AM Best grades an insurer's ability to pay claims. A++ is the top grade.

AllstateNot stated

FarmersAExcellent

Choose Allstate if…

Its price for you comes in lower. Get quotes from both.

Choose Farmers if…

Its price for you comes in lower. Get quotes from both.

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Common questions

Is Allstate better than Farmers?

They split the points we compared, but the right choice depends on you and the price you're quoted. Allstate is stronger on no single point; Farmers on no single point.

Allstate vs Farmers: accident forgiveness?

Both: Optional add-on.

Allstate vs Farmers: roadside and towing?

Both: Up to 100 miles.

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Compares documents downloaded on 2026-11-12. Terms vary by state, and prices depend on you. Not insurance advice, and we are not an insurance agent.