Compare Two Top Ten Car Insurance Companies
Allstate vs State Farm Insurance
Comprehensive comparison of Allstate and State Farm insurance in New Jersey. Discover which offers cheaper rates, better service, and maximum savings for NJ drivers.
Allstate vs State Farm: Complete Comparison
Compare cheap car insurance options from two insurance industry leaders
| Category | Allstate | State Farm | Winner |
|---|---|---|---|
| Average Annual Premium NJ | $1,712 | $1,547 | State Farm |
| Financial Strength Rating | A+ (Superior) | A++ (Superior) | State Farm |
| Customer Satisfaction | 3.9/5 | 4.2/5 | State Farm |
| Available Discounts | 13+ discounts | 12+ discounts | Allstate |
| Mobile App Rating | 4.6/5 | 4.8/5 | State Farm |
| Local Agents in NJ | 150+ agents | 250+ agents | State Farm |
| Unique Features | Drivewise® program | Drive Safe & Save™ | Tie |
| Claims Process | Good (24-48 hrs) | Excellent (24 hrs) | State Farm |
Overall Winner for NJ Drivers: State Farm
With cheaper average rates, superior financial stability, and better customer satisfaction, State Farm edges out Allstate for most New Jersey drivers. However, Allstate's Drivewise program may offer better savings for exceptionally safe drivers.
Allstate vs State Farm: Pros and Cons
Allstate Insurance
Pros:
- Drivewise® can save up to 40% for safe drivers
- Accident forgiveness available
- Deductible rewards program
- More discount opportunities available
- Good hands repair network
- New car replacement coverage
Cons:
- Higher average premiums than State Farm
- Lower customer satisfaction ratings
- Fewer local agents in Bergen County
- Less competitive bundling discounts
State Farm Insurance
Pros:
- Lower average premiums for NJ drivers
- Superior financial strength (A++ rating)
- Highest customer satisfaction scores
- Extensive agent network in NJ
- Excellent bundling discounts up to 25%
- Faster claims processing
Cons:
- Fewer discount categories overall
- Less flexibility for high-risk drivers
- Drive Safe program less generous than Drivewise
- Limited online self-service options
Allstate Drivewise®
Save up to 40% based on safe driving habits. Tracks speed, braking, time of day, and mileage via mobile app. Get immediate feedback and rewards for safe driving.
State Farm Bundling
Save up to 25% when bundling auto with home insurance. Additional discounts for life insurance and other policies. One agent for all your insurance needs.
Which Company is Right for You?
Choose Allstate If:
- You're a very safe driver wanting maximum usage-based discounts
- You want accident forgiveness from day one
- You prefer the deductible rewards program
- You need new car replacement coverage
Choose State Farm If:
- You want the cheapest overall rates
- You're bundling multiple insurance policies
- You value local agent relationships
- Customer service is your top priority
Compare Allstate and State Farm Insurance Today
We'll help you get quotes from both Allstate and State Farm, plus other top ten car insurance companies to ensure you find the cheapest rate for your needs.
Allstate vs State Farm Questions
Is Allstate or State Farm cheaper for car insurance in New Jersey?
State Farm typically offers cheaper car insurance in New Jersey with average annual premiums of $1,547 compared to Allstate at $1,712. State Farm is about $165 cheaper per year on average. However, Allstate's Drivewise program can save safe drivers up to 40%, potentially making it cheaper for some.
Which company has better customer service - Allstate or State Farm?
State Farm consistently receives higher customer satisfaction ratings (4.2/5) compared to Allstate (3.9/5). State Farm also has more local agents in New Jersey (250+ vs 150+), providing better in-person service options for customers who prefer face-to-face interactions.
Does Allstate or State Farm offer better safe driving discounts?
Allstate's Drivewise® program can save up to 40% for safe drivers, while State Farm's Drive Safe & Save™ maxes out at 30%. However, Allstate requires continuous monitoring via mobile app, while State Farm offers more flexibility in how they track driving habits.
Which is better for accident forgiveness - Allstate or State Farm?
Allstate offers more comprehensive accident forgiveness options, including immediate forgiveness for new customers in some cases. State Farm requires customers to be accident-free for 9 years before qualifying for accident forgiveness, making Allstate the better choice for this feature.
Can I get both Allstate and State Farm quotes through Midland?
Yes! As an independent agency, we can help you compare quotes from both Allstate and State Farm, plus other top ten car insurance companies. Call us at (201) 812-2184 for personalized quotes and find the cheapest option for your needs.