In This Review:
- Allstate Car Insurance Reviews
- Allstate Insurance: Overview
- How Much Is Allstate Car Insurance?
- Allstate Car Insurance Coverage
- Allstate Insurance Review: Our Take
- Allstate Car Insurance: FAQ
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Key Points:
- Allstate ranks 10th out of more than 100 car insurance providers we researched, reviewed, and ranked.
- Drivers with full coverage from Allstate pay an average of $2,520 per year or $210 per month.
- Allstate received solid marks in the most recent J.D. Power U.S. Auto Claims Satisfaction Study℠.
Selecting the best car insurance policy can be an overwhelming task. To help make this decision a little easier for you, our review team collected quotes from providers and mystery shopped to learn about the customer experience they provide. Below, we will take a close look at Allstate insurance reviews, cost, and coverage options to see how it compares to competitors.
Allstate Insurance
Review: Overall Rating
4.4
The Bottom Line
Allstate offers a wide selection of flexible coverage options for most drivers.
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Allstate Car Insurance Reviews
Allstate has a long history in the industry and offers a wide selection of coverage options for people from all walks of life, with policies available nationwide. Below we break down the benefits and drawbacks of working with the company, as well as its reputation online and in the insurance industry.
Pros And Cons Of Allstate Insurance
ProsAllstate’s wide network of local agents provide quality local coverageThe insurer holds an A+ financial strength rating from AM BestAllstate has both usage-based and pay-per-mile insurance programs availableThe company offers a wide array of discounts, especially for good students and safe drivers
ConsAllstate’s average insurance costs are higher than competitors’ for many types of driversThe insurer has average customer service compared to some competitors
Allstate Insurance Rating
We gave Allstate 4.4 out of 5.0 stars and believe the company offers good coverage and local agent access. Allstate’s comprehensive coverage, strong financial stability, and mileage-based discount program make it a smart choice for eligible drivers.
| Rating Factor | Rating (Out of 5.0) |
|---|---|
| Cost | 3.8 |
| Coverage | 4.6 |
| Reliability | 4.8 |
| Availability | 5.0 |
| Service | 4.2 |
| Technology | 4.8 |
| Overall Rating | 4.4 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Allstate Industry Ratings
- J.D. Power 2023 Insurance Shopping Study: Allstate scored 854 out of 1,000 points, just 9 points below the average of 863 for large U.S. insurance companies.
- J.D. Power 2023 U.S. Auto Claims Satisfaction: Allstate’s score was 882, which is above average for providers ranked in this study and well above other well-known providers like Geico and Progressive.
- AM Best Financial Strength Rating: Allstate has a rating of A+ (Superior) from AM Best for the company’s financial strength, meaning it can back the coverage it offers.
Allstate Insurance Customer Reviews
Allstate’s customer satisfaction ratings tend to be at or below average compared to other providers in both our industry survey and online reviews. Below, we show how Allstate performed in key consumer survey categories and highlight some of the company’s online feedback.
Allstate Customer Satisfaction Survey
Our team surveyed nearly 7,000 car insurance customers in 2022 on experiences with their companies. Nine percent of respondents had Allstate insurance. Allstate scored 4.1 out of 5.0 for overall customer satisfaction. It’s a decent score, but it ranked in the bottom half of the 15 companies in our survey. Here are a few more Allstate ratings from our survey:
| Survey Category | Allstate Rating | Industry Average Rating |
|---|---|---|
| Overall satisfaction | 4.1 | 4.2 |
| Affordability | 3.6 | 3.7 |
| Coverage selection | 3.9 | 3.9 |
| Customer service from agents | 4.0 | 4.0 |
| Claims service | 4.1 | 4.2 |
Allstate Auto Insurance Claims Reviews
Over 39 percent of Allstate customers in our survey indicated they filed a claim with the company. Customers rated service from Allstate agents a 4.0 out of 5.0 and gave the company an average claims satisfaction rating of 4.1. Both scores were at or just below the average across all providers in our survey.
Allstate Insurance Reviews: BBB And Trustpilot
Allstate car insurance reviews on the Better Business Bureau (BBB) website give the company an average of 1.1 out of 5.0 stars. This is low, but it’s based on almost 1,200 reviews–a tiny fraction of how many customers Allstate serves. It’s also common for insurance companies to have low scores.
Reviews on Trustpilot echo the sentiment of customers on the BBB. Allstate holds a score of 1.4 out of 5.0, which is considered bad by the review platform. However, only 350 reviews make up this score, meaning that it, like the company’s BBB score, only reflects the sentiments of a very small portion of Allstate’s customer base.
Allstate Auto Insurance Reviews: Reddit
While some reviews for Allstate across Reddit have been positive, many users write about their difficult experience with Allstate’s claims process. The majority of negative reviews regarding the company seem to be about filing a claim, interacting with customer service, and the cost of policies compared to the coverage received.
Allstate Mobile App Reviews
On the App Store, Allstate Mobile has a rating of 4.8 out of 5.0 stars based on over 874,000 customer ratings. The app’s rating on Google Play is a bit lower, at 3.8 out of 5.0 based on more than 106,000 ratings. Some customers complain that the app loads very slowly when using the Drivewise feature.
Allstate Insurance: Overview
State availability: 50 states
Founded in: 1931
Coverage policies: Vehicle, property, life, and more
Founded in 1931 and based in Northbrook, Illinois, Allstate has grown to become the fourth-largest auto insurance company in the nation. Allstate works through a network of local agents to provide coverage and offers some unique programs and discounts, including the Drivewise mileage-based program.
How Much Is Allstate Car Insurance?
Based on our cost research for Allstate, the average 30-year-old driver with good credit and a clean driving record pays $2,520 per year or $210 per month for full-coverage car insurance. Drivers with minimum coverage from Allstate pay an average of $1,036 per year or $86 per month.
Is Allstate Car Insurance Expensive?
Allstate’s average full-coverage price tag is around 28 percent above the national average of $1,968 per year or $164 per month. Similarly, the company’s average minimum-coverage cost exceeds the national average of $798 per year or $67 per month by almost 30 percent.
These differences mean that Allstate can be more expensive than other companies, on average, even for drivers without accidents, speeding tickets, or other traffic violations.
Allstate Minimum-Coverage Auto Insurance Cost Vs. Competition
Below, you can see how liability-only coverage from Allstate tends to cost more than similar plans from well-known insurance companies, as well as the national average of all providers we’ve researched:
| Car Insurance Company | Average Annual Cost Estimate | Average Monthly Cost Estimate |
|---|---|---|
| Allstate | $1,036 | $86 |
| State Farm | $684 | $57 |
| Travelers | $806 | $67 |
| Progressive | $799 | $67 |
| USAA** | $509 | $42 |
| National average | $798 | $67 |
*These rates are based on the profile of a 30-year-old single male driver with good credit and a clean driving record.
** Eligibility for USAA policies is limited to active or retired military members and their families.
Allstate Full-Coverage Auto Insurance Cost Vs. Competition
Here’s how Allstate compares to a number of popular insurance providers for full-coverage auto insurance. As with the company’s minimum coverage, Allstate’s full-coverage rates are higher than many other providers:
| Car Insurance Company | Average Annual Cost Estimate | Average Monthly Cost Estimate |
|---|---|---|
| Allstate | $2,520 | $210 |
| State Farm | $1,680 | $140 |
| Travelers | $1,615 | $135 |
| Progressive | $1,809 | $151 |
| USAA** | $1,476 | $123 |
| National average | $1,968 | $164 |
*These rates are based on the profile of a 30-year-old single male driver with good credit and a clean driving record.
** Eligibility for USAA policies are limited to active or retired military members and their families.
Find out more about which companies offer the most affordable car insurance in our Cheapest Full-Coverage Car Insurance article.
Allstate Car Insurance Rates For Young Drivers
Full-coverage rates from Allstate insurance can exceed the national average of $8,261 per year by as much as 34 percent or more for young drivers. As with most insurance companies, however, rates decrease as a driver ages:
| Age | Average Car Insurance Cost Per Month | Average Car Insurance Cost Per Year |
|---|---|---|
| 16 | $923 | $11,072 |
| 20 | $397 | $4,769 |
Learn more about which companies offer the best rates for young drivers in our full guide of Cheapest Car Insurance For Young Drivers.
Allstate Car Insurance Rates For Adults
Though costs decrease as you age with consistent safe driving, the company’s rates are still relatively high for adults seeking full coverage:
| Age | Allstate Average Cost Per Month | Allstate Average Cost Per Year |
|---|---|---|
| 30 | $210 | $2,520 |
| 40 | $206 | $2,468 |
| 50 | $200 | $2,400 |
Allstate Car Insurance Rates By Driving Profile
Most insurance rates increase after an accident, speeding ticket, or DUI. With Allstate, rates increase significantly with an at-fault accident or DUI, though a speeding ticket may not increase your rates by as much. All rates from the company exceed the national average for drivers with similar profiles:
| Traffic Incident | Allstate Average Cost Per Month | Allstate Average Cost Per Year |
|---|---|---|
| Speeding ticket | $243 | $2,911 |
| Recent accident | $320 | $3,844 |
| DUI conviction | $293 | $3,512 |
*Rates apply to the profile of a 30-year-old male driver.
Keep in mind that your car insurance rates may vary, and it’s worth reaching out to Allstate for personalized car insurance quotes. While the estimates above indicate that Allstate is a pricey insurer, on average, it’s possible for some people to find big savings from Allstate.
Allstate Auto Insurance Discounts
There are a number of ways to get discounted insurance rates through Allstate. One way is by bundling your auto policy with one of Allstate’s other insurance products. Here are some of the most popular discounts offered by Allstate:
On top of the popular discounts, Allstate also offers the following discount opportunities:
- Allstate eSmart® discounts for policyholders who go paperless
- Anti-lock brake and anti-theft device discounts for equipped cars
- Early signing discounts for customers who sign their policy early
- EZ pay plan discounts for policyholders who use Allstate’s automatic withdrawal feature
- FullPay® discounts for customers who pay their full premiums at one time
Allstate’s Deductible Rewards® program also gives you an immediate $100 discount on your collision deductible. Then, you’ll get an additional $100 off for every year that you drive without an accident, for up to $500.
Allstate Drivewise
Allstate’s usage-based discount program, Drivewise, rewards policyholders based on drive-time data collected through Allstate’s device or mobile app. See details in the chart below:
| Program Factor | Details |
|---|---|
| Discount | Drivers receive a three percent discount on their Allstate policies just for signing up and for remaining active in the program. After 50 trips, drivers can receive a safe driving bonus of up to 15 percent cash back for accident-free driving with assessments every six months after that, as well as Allstate Rewards® points. |
| Device | Mobile app |
| What it tracks | • Speeding • Accelerating • Hard braking • Late-night driving |
| Can premiums go up? | No |
| Availability | Not available in California or Alaska |
Allstate Mobile App
The Allstate mobile app gives customers access to convenient policy tools. Drivers can use Allstate Mobile to access digital ID cards, pay bills, request roadside assistance, and file claims. The app even lets customers monitor their driving habits and save money with the Allstate Drivewise program.
Factors That Affect Allstate Car Insurance Rates
No matter who you are, there are a few factors that will likely play a role in how much you pay for car insurance:
- Age: Younger drivers tend to pay more than their older counterparts for any type of car insurance.
- Marital status: Many insurance companies offer special discounts for married drivers, with further discounts available for bundled policies.
- Gender on license: Male drivers are often considered to be a higher risk than females, so these drivers typically pay higher insurance premiums.
- Location: Insurance policies for drivers in rural areas may be cheaper than those who live in cities or urban areas. Insurance companies adjust rates based on the risk of traffic accidents and other factors in a given location.
- Vehicle: Some vehicles cost more to insure than others.
- Credit history: Drivers with a poor credit score often pay higher rates than those with good credit history.
- Claims history: If you have a history of claims for accidents or other damages, you may pay higher rates than other drivers.
- Driving record: Drivers with speeding tickets, accidents, or DUIs pay more for car insurance than those with clean driving records.
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Allstate Car Insurance Coverage
Allstate auto insurance offers several products in all 50 states and some parts of Canada. The insurance provider offers the standard types of car insurance, including the following:
| Type of Coverage | Description |
|---|---|
| Liability | Bodily injury (BI) liability insurance pays the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance covers the damages to other drivers’ vehicles after an accident where you’re at fault. |
| Collision | Collision insurance pays for damages to your vehicle from a collision with another vehicle or a road hazard. |
| Comprehensive | Comprehensive insurance pays for damages to your vehicle from animals or natural disasters. It also covers theft and vandalism. |
| Medical payments coverage (MedPay) | MedPay covers medical bills for you and your passengers after an accident. |
| Personal injury protection (PIP) | PIP also covers medical bills for you and your passengers after an accident. Additionally, PIP can cover lost wages. |
| Underinsured/uninsured motorist coverage (UM/UIM) | Uninsured/underinsured motorist coverage covers your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you’re in an accident with a driver who is underinsured or doesn’t have any insurance. |
Other Allstate Coverage Options
In addition to the basic types of coverage mentioned above, Allstate policyholders can get the following add-on protection:
- Rideshare insurance for those who drive for ride-for-hire services such as Uber or Lyft
- Classic car insurance for antique vehicles, custom builds, and hot rods
- Mexican travel insurance for policyholders who drive their cars into Mexico
- Custom parts coverage for aftermarket parts or sound equipment
- Car rental reimbursem*nt for when your vehicle is in the shop and you need a rental car after an accident
Allstate Classic Car Insurance
Through its partner, Hagerty, Allstate offers classic car insurance for vintage cars, foreign cars, classic military vehicles, and other classic vehicles. Allstate classic car insurance is different from other insurance policies and uses an agreed value system, which determines the price of your car before you get a policy. This amount is determined by using any certifications, photos, and appraisal documents you provide.
How To Cancel Allstate Car Insurance
To cancel a car insurance policy with Allstate, you can call an agent at 800-255-7828, mail a cancellation to its Dallas office at PO Box 660636, Dallas, TX 75266, or visit your local Allstate agent. When mailing your policy cancellation, make sure to include your name, phone number, policy information, and the date you would like your policy to end on.
Allstate Insurance Review: Our Take
We gave Allstate Insurance 4.4 out of 5.0 stars for the company’s wide selection of coverage options and broad network of local agents. Allstate auto insurance offers coverage comparable to that of other large, national companies.
If you enjoy working with a local insurance agent and you’re looking for full coverage, Allstate auto insurance may be right for you. Any time that you’re looking for car insurance, we recommend getting car insurance online quotes from several companies to compare your options for coverage.
Allstate Car Insurance Competitors: Top Picks
When we researched the best car insurance providers in the industry, we found Geico and Progressive to be among the top insurers.
Geico Car Insurance: Best For Basic Coverage
Geico claims that, “15 minutes could save you 15 percent or more on car insurance.” Our research determined that this is true for some drivers. The provider has high customer satisfaction ratings, with an A+ rating with the BBB and an A++ financial strength rating from AM Best.
Unlike Allstate, Geico provides 24/7 customer service through its smartphone app and website. Additionally, Geico has great discounts for federal employees, active-duty military members, and safe drivers.
Allstate auto insurance offers several coverage options that Geico doesn’t, including new car replacement coverage. However, if you’re looking for cheap car insurance or a car insurance policy that’s easy to navigate without involving a local agent, Geico may be the best pick for you.
Learn more about coverage in our full Geico auto insurance review.
Progressive Car Insurance: Best For Usage-Based Insurance
Progressive’s Name Your Price® tool is a huge draw for customers, offering side-by-side quote comparisons so you can easily determine which coverage is best for you. This makes Progressive’s online quote process stand out compared to other car insurance companies.
Like Allstate auto insurance, Progressive car insurance offers a wide array of coverage options. Both companies provide coverage for custom parts and offer deductible-lowering options for safe drivers. Progressive’s rates sometimes beat Allstate auto insurance prices, but that’s not always the case. We recommend obtaining quotes from both insurers to decide which will be the most cost-effective option for you.
Read more in our complete Progressive auto insurance review.
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Allstate Car Insurance: FAQ
Below we cover some of the most frequently asked questions about Allstate car insurance:
How reliable is Allstate insurance?
Allstate reliably meets customers’ claims obligations. In the most recent J.D. Power Auto Claims Satisfaction Study, Allstate scored 882 out of 1,000 points, which is above the industry average of 878.
How fast does Allstate pay claims?
The speed of your Allstate claims reimbursem*nt depends on which reimbursem*nt method you choose. Allstate’s fastest claims payment method works through your debit card to deposit money directly into your bank account and typically takes 24 hours or less. If you choose to be reimbursed by check, this can take seven to 10 business days.
Does Allstate have good customer service?
On average, Allstate has good customer service. In our car insurance survey of multiple companies, 79 percent of those who had Allstate said they were satisfied or very satisfied with the provider.
Is Allstate overpriced?
We found Allstate to cost more than average for good drivers, people with accidents on their records, and young drivers. Many drivers can find cheaper prices with companies like Geico, State Farm, or USAA.
What is the No. 1 insurance company in America?
We rate State Farm as the best car insurance company overall with 4.7 out of 5.0 stars. State Farm has cheap rates on average, good coverage options, and a strong industry reputation.
Is Allstate a good brand?
We rate Allstate 4.4 out of 5.0 stars for its nationwide availability, strong coverage options, solid customer service, and good reputation. The only downside with Allstate is that it tends to be more expensive than other options in many states.
Does Allstate offer a low-mileage discount?
Yes, Allstate offers a discount for low-mileage drivers. The Drivewise program monitors driving habits and offers discounts for driving less but also for safe driving, which could apply to individuals who work from home or have remote jobs. Allstate also has a pay-per-mile insurance program called Milewise.
How We Rated Allstate Insurance
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
Dash Lewis Content Writer
