Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Sep 2, 2021

Advertiser Disclosure

It’s all about veterans. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help veterans make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with one auto insurance company and cannot guarantee quotes from any single company. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for veterans interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

To Sum It Up

  • Allstate and Farmers auto insurance offer affordable rates
  • Both Allstate and Farmers offer a wide variety of discounts to help you save money
  • There are a number of factors that will impact how much you pay for your auto insurance
  • Both of these companies have high customer satisfaction ratings

When you start to compare new auto insurance companies, you may wonder, Allstate vs. Farmers: Which is better for veterans? The answer isn’t simple. You see, all auto insurance companies look over various factors to determine how risky it is to insure you.

Once risk levels are determined, base rates can be set. Finding cheap car insurance for veterans doesn’t have to be a chore. You need to take the time to compare companies. By looking at companies side by side, you’ll be able to find affordable Allstate or Farmers auto insurance.

While both Allstate and Farmers offer various products to meet your insurance needs, one is sure to save you more money than the other. Getting familiar with Allstate and Farmers auto insurance rates and discounts will help you see where you’ll be able to save the most money.

Allstate vs. Farmers: Which is better for veterans? Before finding out more, enter your ZIP code here to compare free quotes from insurance companies near you.

Allstate vs. Farmers: Which is better for veterans?

Often, members of the military and veterans feel they need a military discount to get the most out of their money. However, this isn’t true. Not every auto insurance company offers a military discount, but other discounts can save you a ton of money.

Figuring out which company is a better fit for you isn’t as simple as getting a Farmers or Allstate insurance quote. You need to spend a little time comparing the two companies and see the base rates for a number of different situations.

Each insurance company will look at various pieces of information to determine what your base rates will be. The factors that insurance companies look at are pretty much the same with all of them. They include:

  • Location
  • Age
  • Driving record
  • Credit history
  • Annual mileage
  • Claims history
  • Marital status
  • Education level

Whether you need state minimum or full coverage auto insurance, you can find it with Allstate and Farmers. As we move forward, we’ll look over a few different driving situations and reveal what customers think about these two insurance companies.

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Which company offers better rates by age, Allstate or Farmers auto insurance?

Generally speaking, the more driving experience you have, the cheaper your auto insurance rates will be. So, as you get older, your rates will likely go down. This is especially true if you have a clean driving record.

One way to ensure your driving record stays clean while in the military is to get familiar with driving laws on military bases. Learning these while you are a teenager will help you lock in cheap rates and ensure they are even more affordable when you reach veteran’s status.

Allstate vs. Farmers Average Monthly Auto Insurance Rates by Age
Age GroupAllstateFarmers
Teenagers$537$543
20-29$220$168
30-39$220$168
40-49$159$126
50-59$157$126
60-69$147$117
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When it comes to Allstate vs. Farmers auto insurance quotes, for everyone but teenagers, Farmers is more affordable than Allstate. However, Allstate does offer a lot of discounts that could tip the scales for some drivers. Let’s keep looking into rates to see which company is going to suit you best.

Which company offers better rates by driving history, Allstate or Farmers auto insurance?

As mentioned, the fewer infractions you have on your driving record, the cheaper your auto insurance will be. While pretty much every offense will cause your auto insurance rates to go up, the severity of the infraction will determine the amount of the increase.

Each auto insurance company ranks infractions differently. Let’s take a look at some of the most common driving violations and how much you may end up paying when you choose Allstate or Farmers as your auto insurance company.

Allstate vs. Farmers Average Monthly Rates Based on Driving Infractions
Driving Record InfractionsAllstateFarmers
At-fault Accident with less than $1,000 in damage$190$142
At-fault accident with more than $1,000 in damage$250$195
DWI/DUI$303$270
Reckless Driving$282$386
Speeding$188$170
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In most categories, a Farmers insurance policy is cheaper than Allstate for those with less than perfect driving records. Keep in mind that the longer you go without a driving violation, the better, so focus on paying attention to driving laws.

Are customers happier with Allstate or Farmers auto insurance company?

Finding happiness with an insurance company depends on a variety of different factors. You want more than a simple Farmers insurance quote. Having easy access to things like the Allstate roadside assistance number or the Farmers insurance claims number is necessary.

When you’re in trouble on the road, you don’t want to struggle to find help. You need to know your insurance company is there for you. The Allstate mobile app makes getting help simple. Consumers are very satisfied with their overall experience with the Allstate app and the company as a whole.

When pitted against Farmers auto insurance, there is no clear winner. Both companies’ customers rank them highly. You will have a good experience from getting your insurance set up to filing a claim or adding additional products to your auto insurance policy.

You can rely on both of these companies regardless of your situation. Additionally, both companies offer a variety of insurance products to suit your needs. So, it comes down to which company will be able to save you the most money.

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Will I get better discounts with Allstate or Farmers?

Auto insurance discounts have become increasingly popular. They are a sure-fire way to help you save a few bucks every month. Don’t buy Allstate or Farmers auto insurance until you’ve compared discounts.

By looking at base rates and factoring in discounts, you should be able to determine which company will be the most affordable. Many military members and veterans focus on getting a military discount. However, this may not be the best way to save.

Military discounts can undoubtedly help, but there are many other discounts that you may be able to take advantage of. These additional discounts can amount to a lot more than a single military discount. Let’s take a look at what discounts these companies have available.

Allstate vs. Farmers Available Discounts
DiscountsAllstateFarmers
Advanced Policy PurchaseYesNo
Air BagsNoYes
Anti-lock BrakesYesYes
Anti-theft DevicesYesYes
Good DriverYesYes
Good StudentYesYes
Green VehicleNoYes
Home Owner'sNoYes
Multi-policyYesYes
Multi-vehicleNoYes
New VehicleYesNo
Paid in FullYesNo
Student Away at SchoolYesYes
TelematicsYesNo
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As you can see, neither of these companies offer a military discount. However, there are some great options with the discounts available to save you money. The number of the discounts provided by the two companies are comparable, but they are not all the same.

So, look over all the discounts and see what you qualify for. This will help you determine where you’re going to find the best savings. When you find the cheapest base rates and the best discounts, you’ll find the best fit for a new auto insurance company.

Allstate vs. Farmers: Which is better for veterans? Now that you have all the information, you can choose Allstate or Farmers, or you can look at more companies before you decide. Enter your ZIP code to compare free quotes from auto insurance companies near you.