State Farm Auto Insurance vs. Allstate Umbrella Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

State Farm Auto Insurance

State Farm

4.4

Avg $1,789/yr. #1 J.D. Power claims satisfaction. 19,000+ local agents.

Full review →

Allstate Umbrella Insurance

Allstate

4.3

$1–5M coverage. A+ rated. Strongest multi-policy bundling discounts.

Full review →

WealthSpott Verdict

State Farm Auto Insurance wins on more measurable categories. Allstate Umbrella Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.

Feature

State Farm Auto

Allstate Umbrella Insurance

WealthSpott Rating

4.4 / 5 Best

4.3 / 5

Coverage Type

Auto Insurance

Umbrella Insurance

Avg Annual Premium

~$1,789/yr Best

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AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

State Farm Auto Insurance

Pros

#1 J.D. Power claims satisfaction
#1 J.D. Power claims satisfaction
19,000+ local agents for in-person support
19,000+ local agents for in-person support
~17% bundling discount with home
~17% bundling discount with home

Cons

Higher average rates than GEICO
Higher average rates than GEICO
Fewer digital self-service tools
Fewer digital self-service tools

Full review

Allstate Umbrella Insurance

Full review

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