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State Farm vs Allstate: Multi-Line Bundle Comparison
Bundling auto and home insurance can save 10-25% — but the savings differ dramatically between insurers. State Farm and Allstate are the two largest multi-line bundlers in the US. Here's which one wins.
⚡ Quick Verdict
Choose State Farm for the cheapest combined bundle and best customer satisfaction (#1 in J.D. Power 2026). Choose Allstate for premium features like New Car Replacement and Drivewise telematics that can lower auto rates further.
Side-by-Side Comparison
| Feature | State Farm | Allstate |
|---|---|---|
| Bundle Discount (Auto + Home) | Up to 23% | Up to 25% |
| Avg Annual Auto Premium | $2,305 | $2,510 |
| Avg Annual Home Premium | $1,820 | $1,940 |
| Combined Annual Cost | $3,180 (after bundle) | $3,335 (after bundle) |
| AM Best Rating | A++ (Superior) | A+ (Superior) |
| J.D. Power Auto Score | 859/1000 (#1) | 832/1000 |
| J.D. Power Home Score | 836/1000 (#1) | 823/1000 |
| Premium Auto Features | Standard | New Car Replacement, Accident Forgiveness |
| Telematics Discount | Drive Safe & Save (up to 30%) | Drivewise (up to 40%) |
| Mobile App Rating | 4.8/5 | 4.7/5 |
| Available States | All 50 states + DC | All 50 states + DC |
| Local Agent Access | Yes (largest agent network) | Yes (extensive) |
Which Should You Choose?
Choose State Farm if...
- ✓ You want the absolute cheapest bundle (typically wins on combined price)
- ✓ You value high customer satisfaction (#1 in both auto and home J.D. Power)
- ✓ You're a safe driver who'll benefit from Drive Safe & Save (saves up to 30%)
- ✓ You prefer working with a local agent (largest agent network in US)
- ✓ You want long-term stability (A++ AM Best rating, highest possible)
Choose Allstate if...
- ✓ You drive a new car (New Car Replacement coverage worth $500-1,000/year)
- ✓ You're an aggressive defensive driver (Drivewise saves up to 40%)
- ✓ You've had recent accidents (Accident Forgiveness keeps your rate)
- ✓ You want premium auto features (Sound System Coverage, Roadside)
- ✓ Your bundle savings exceed State Farm's (varies by state)
Frequently Asked Questions
State Farm: average 23% combined discount. Allstate: average 25% discount. On a $4,000 combined annual premium, that's $920-$1,000/year savings. Bundle savings are highest when you also add umbrella, life, or motorcycle insurance to the package.
State Farm tends to win on standard coverage value. Allstate offers more premium home coverage features (Building Code Coverage, Sewer Backup, Identity Restoration) bundled at higher tiers. For homes over $750K, both are competitive — get quotes.
Yes. Both State Farm and Allstate will quote you on bundling auto + home. You'd cancel your existing policy when the new policy starts. Make sure the new policy is in effect first to avoid coverage gaps. Both companies handle the cancellation paperwork.
Yes. Renters + auto bundle: State Farm offers up to 17%, Allstate up to 20%. Lower than home + auto but still meaningful (saves $200-400/year). Both also bundle umbrella, life, motorcycle, and condo policies.