Allstate Car Insurance Review
Allstate Car Insurance Review
Allstate Car Insurance Reviews
Our editorial team gave Allstate a 9.1 out of 10 rating making it our 14th best car insurance company overall. While its costs are much higher than average, according to our research, the company makes up for it in coverage options and discount program offerings. We believe that Allstate is a company worth considering in your search for the right car insurance for you.
Pros and Cons of Allstate Insurance
Below are detailed pros and cons for Allstate auto insurance coverage:
Strong coverage options
Safe driving and pay-per-mile usage-based programs
Multiple car insurance discounts
More expensive than the market average
Allstate Insurance Rating
Our rating was aggregated from Allstate’s performance across five main areas: reputation, availability, coverage, cost and customer experience. Below you can see how we rated the company in each category. For reference, we’ve also included a breakdown of the scores and averages from all providers in our study.
| Ratings Category | Score |
|---|---|
| Industry Standing | 9.5 |
| Availability | 10 |
| Coverage | 9.7 |
| Cost and Discounts | 7.7 |
| Customer Experience | 8.8 |
| Overall Rating | 9.1 |
Is Allstate a Good Insurance Company?
Allstate is a good insurance company if you’re looking for flexible coverage options and discount programs. The company currently offers 12 types of car insurance coverage in addition to competitive discount opportunities and telematics insurance programs. Allstate car insurance is also available nationwide, but discounts and extras can vary by state.
Below you can compare ratings from reputable agencies for Allstate:
- J.D. Power Customer Satisfaction: Allstate ranked above average in the J.D. Power 2024 U.S. Auto Insurance Study℠ for the regions of Florida, New England, North Central and Texas. It scored below average in other regions of the country.
- J.D. Power Claims Satisfaction: For claims satisfaction, Allstate scored 882 out of 1000 which is slightly higher than the national average, 878.
- NAIC Complaints Index: According to the NAIC, Allstate has a complaint ratio of 0.92. This is slightly lower than the national average ratio of 1.0 for complaints compared to company size.
- A.M. Best Financial Strength: Allstate has earned an A+ rating from A.M. Best for its superior financial strength.
Why We Chose Allstate
Allstate stands out for offering useful coverage options like rideshare insurance and classic car coverage. Not all companies offer these add-ons. Drivers can also take advantage of two of its usage-based programs — Drivewise® and Milewise®. The first awards discounts based on safe driving habits, while the second determines your rate based on mileage alone.
Where Allstate Falls Short
You might find the right coverage combination from Allstate, but you might not find the cheapest rates. Our data shows full-coverage rates from the company cost $3,340 per year or $278 per month, which is about 25% more than the national average of $2,681 per year or $223 per month.
We also found Allstate can be expensive for different types of drivers. That said, car insurance rates are personalized to your situation, so it’s still worth getting a quote from Allstate.
Allstate Insurance Comparison
Below you can compare other major car insurance companies to Allstate:
| Comparison | Scores | The Bottom |
|---|---|---|
| Allstate vs. Progressive | 9.1 vs. 9.4 | Progressive offers more expensive coverage than Allstate but makes up for it with additional plan add-ons. |
| Allstate vs. Liberty Mutual | 9.1 vs. 9.1 | Liberty Mutual beats Allstate in terms of cost and ties with it for coverage options. |
| Allstate vs. State Farm | 9.1 vs. 9.2 | State Farm offers the best customer experience and has lower overall premiums compared to Allstate. |
| Allstate vs. Geico | 9.1 vs. 9.3 | Geico has less coverage options overall, but offers better rates than Allstate, especially for young drivers. |
| Allstate vs. USAA | 9.1 vs. 9.3 | If you are a military member, USAA is the best choice for you over Allstate. |
| Allstate vs. Nationwide | 9.1 vs. 9.2 | Nationwide customers have lower overall premiums and better customer service than those insured by Allstate. |
| Allstate vs. Farmers | 9.1 vs. 8.5 | Allstate provides more coverage options than Farmers, making it the better choice. |
| Allstate vs. Travelers | 9.1 vs. 9.5 | Travelers has better overall pricing for most drivers, making it the superior option over Allstate. |
| Allstate vs. American Family | 9.1 vs. 9 | While not available in all states, American Family has better rates overall and customer experience than Allstate. |
How Much Does Allstate Car Insurance Cost?
Allstate’s prices tend to be higher than the national average of $2,681. According to our rate estimates, the average cost of full-coverage insurance from Allstate is about $3,340 per year for a 35-year-old driver with good credit and a clean driving history. However, your rates may vary depending on a variety of factors.
Allstate Full-Coverage Car Insurance Comparison
Below you can compare average rates for leading providers:
| Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $141 | $1,692 |
| USAA | $145 | $1,741 |
| Erie Insurance | $158 | $1,894 |
| Auto-Owners Insurance | $158 | $1,898 |
| Geico | $166 | $1,995 |
| Nationwide | $172 | $2,063 |
| Progressive | $194 | $2,326 |
| State Farm | $212 | $2,544 |
| American Family | $225 | $2,700 |
| Allstate | $278 | $3,340 |
Allstate Minimum-Liability Car Insurance Comparison
Below you will find monthly and annual rates for major providers and Allstate so you can compare:
| Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $39 | $471 |
| Auto-Owners Insurance | $42 | $507 |
| Geico | $52 | $620 |
| Erie Insurance | $55 | $655 |
| Travelers | $58 | $691 |
| Progressive | $72 | $859 |
| State Farm | $72 | $861 |
| Nationwide | $73 | $877 |
| Allstate | $100 | $1,194 |
| American Family | $105 | $1,254 |
Is Allstate Insurance Expensive?
Allstate’s overall insurance pricing is 25% more expensive than the national average, which includes over 130 companies. That said, car insurance prices can vary drastically based on your situation. Below are the factors that can significantly impact car insurance rates.
- Age: Teens typically pay the most for insurance, followed by drivers in their early 20s.
- ZIP code: Car insurance tends to cost more in densely populated areas.
- Driving history: At-fault accidents, tickets and convictions raise insurance rates.
- Credit score: In most states, a poor credit score can increase insurance rates.
- Gender: Men often pay more for coverage because they’re more likely to get into car accidents.
- Marital status: Single drivers typically pay more for auto insurance than married drivers.
- Vehicle type: Sedans and crossovers tend to be cheaper to insure than trucks and sports cars.
Allstate Car Insurance Rates
Your car insurance prices depend on a variety of factors, and the Allstate insurance quotes you receive may not reflect the average estimates above. If you have poor credit, you’ll pay more for car insurance — unless you live in California, Hawaii, Massachusetts or Michigan. And if you have accidents or a DUI on your driving record, your insurance rates will be more expensive.
Below are a few Allstate cost estimates for different types of drivers. If you’re looking for car insurance with bad credit, a DUI/DWI or a speeding ticket, Allstate’s rates can be higher than average.
| Driver Profile | Allstate Monthly Average Cost | Allstate Average Annual Cost | National Average Annual Cost |
|---|---|---|---|
| 35-year-old driver with good credit and driving history | $278 | $3,340 | $2,681 |
| 35-year-old with one speeding ticket | $323 | $3,881 | $3,235 |
| 35-year-old driver with poor credit | $444 | $5,326 | $5,358 |
| 35-year-old driver with a recent single vehicle accident | $392 | $4,700 | $3,591 |
| 35-year-old driver with a DUI | $373 | $4,474 | $3,874 |
Allstate Auto Insurance Rates for Teens
Auto insurance for teens from Allstate is higher than the national average for the age group. If you are 16 years old and on your own policy, you’ll have to pay especially high premiums with the company. Below you’ll find average rates for drivers aged 16 to 19:
| Age | Allstate Average Monthly Cost | Allstate Average Annual Cost | National Average Annual Cost |
|---|---|---|---|
| 16 | $670 | $8,035 | $6,226 |
| 17 | $627 | $7,525 | $5,989 |
| 18 | $597 | $7,166 | $5,669 |
| 19 | $547 | $6,561 | $5,192 |
Allstate Auto Insurance Rates for Young Adults
For young adults aged 21 to 25 you can expect Allstate car insurance rates to be more expensive than the national average. You can compare pricing below for these ages:
| Age | Allstate Average Monthly Cost | Allstate Average Annual Cost | National Average Annual Cost |
|---|---|---|---|
| 21 | $448 | $5,373 | $4,186 |
| 25 | $317 | $3,808 | $3,070 |
Allstate Auto Insurance Rates for Adults
For adults ages 35 to 55, Allstate rates are about 25% to 33% more expensive than the national average. Below you can compare pricing per month and yearly for full-coverage plans:
| Age | Allstate Average Monthly Cost | Allstate Average Annual Cost | National Average Annual Cost |
|---|---|---|---|
| 35 | $278 | $3,340 | $2,681 |
| 45 | $281 | $3,374 | $2,565 |
| 55 | $262 | $3,150 | $2,375 |
Allstate Auto Insurance Rates For Seniors
Allstate car insurance rates for senior drivers are 33% to 35% more expensive than the national averages. You can compare costs from the company below:
| Age | Allstate Average Monthly Cost | Allstate Average Annual Cost | National Average Annual Cost |
|---|---|---|---|
| 65 | $273 | $3,277 | $2,425 |
| 75 | $308 | $3,694 | $2,788 |
Allstate Car Insurance Discounts
When looking to save on car insurance, Allstate has plenty of options to lower policy premiums. However, be aware that discounts may vary depending on your state. Allstate has the following auto insurance discounts:
| Allstate Car Insurance Discount | Details |
|---|---|
| Anti-lock brake | Get a discount if your car has this safety feature |
| Anti-theft | Save on your policy for having an anti-theft feature |
| Multi-policy | Bundle auto insurance with home, condo, renters or more for a discount |
| Early Signing | Save if you buy a policy at least seven days before it begins |
| Responsible payer | This applies if you made on-time payments in the past year |
| Good student | Applies if your student has a B average or 2.7 GPA or above |
| Teen driver education | Applies to teens who complete a teenSMART program |
| Distant student | Applies to students who attend school over 100 miles from home without a car |
| New car | Applies if you’re the original owner of a brand new or one model year old car |
| Auto-pay | Save for setting up automatic payments |
Allstate Usage-Based Insurance Discounts
Allstate offers two usage-based programs: Drivewise® and Milewise®. Allstate Drivewise tracks driving habits through a mobile app and rewards drivers with discounts based on speed, braking, phone usage and driving hours. The information collected by the app is used to determine the discount amount you’re eligible for and if you do unsafe habits, your rates won’t increase.
Allstate’s other usage-based option, Milewise, is a pay-per-mile program available in 21 states. With the program, you pay a daily base rate and an additional rate per mile driven. To use it, you plug the Milewise device into your car’s diagnostic port and use the Allstate mobile app to track your mileage and spending.
Allstate Auto Insurance Customer Reviews
Allstate has average ratings from consumer studies and customers. Positive Allstate insurance reviews mention helpful customer service from Allstate agents, while negative reviews discuss issues with canceling policies and dealing with the claims process.
Our team reached out to Allstate for comment on its reviews but did not receive a response.
Allstate Customer Service Ratings
In the second quarter of 2024, we polled 2,000 car insurance customers on their satisfaction with their insurance company’s affordability, discount explanation, coverage explanation, coverage options, shopping process and website. Out of the respondents 212 were Allstate customers.
Below, you can see how Allstate performed compared to average ratings on the survey.
| Company Factor | Allstate Average | Insurance Company Industry Average |
|---|---|---|
| Overall customer satisfaction | 4.3 | 4.2 |
| Affordability | 3.9 | 4 |
| Explanation of Discounts | 4.1 | 4.1 |
| Explanation of Coverage | 4.2 | 4.2 |
| Coverage Options | 4.2 | 4.2 |
| Shopping Experience | 4.1 | 4.2 |
| Website Features | 4.1 | 4.1 |
Allstate Insurance: Reddit
Many drivers like to share experiences with one another on Reddit, the discussion website. Though it’s not a review site, users will seek advice or provide recommendations on the platform. We looked for Allstate reviews on Reddit to see what people thought of the company in a more conversational setting.
We found that positive reviews tend to cite attentive customer service. Reddit users who posted negative reviews about Allstate spoke of a confusing lack of communication and higher-than-expected rates.
Our reviews team reached out to Allstate for a comment on these negative reviews but did not receive a response.
Allstate Claims Customer Service
In our survey, we found that 33% of Allstate policyholders have filed a claim, while 67% have not. Nearly half of those who filed a claim (48%) said the claim was resolved in under two weeks. Another 34% said it took between two and four weeks. Most said it was easy to file a claim online with Allstate.
Allstate Insurance Mobile App
Allstate’s mobile app lets you access your policies, pay bills, file claims and contact roadside assistance. The iOS version of the app has a 4.8-star rating out of 5 on the Apple App Store. The Android version has a slightly lower rating, with customers on Google Play giving the app a 3.9-star rating out of 5.
Allstate Insurance Ratings: J.D. Power
Allstate insurance reviews collected in the J.D. Power 2024 U.S. Insurance Shopping Study℠ rank the company slightly below average for its shopping experience compared to other large companies. The insurer scored 664 out of 1,000 points, which means that most Allstate customers are satisfied with their experiences.
Allstate Insurance Reviews: BBB
Allstate holds an A+ rating and a 1.1 out of 5 stars from customer reviews on the BBB. While this number may seem low, just over 1,200 reviewers have rated Allstate on the BBB within the last three years, a small percentage of its overall customer base. We also found the average BBB customer rating is 1.4 stars for the 130 companies we researched.
We reached out to Allstate for a comment on its low customer review scores and below-average J.D. Power scores and didn’t receive a response.
Allstate Car Insurance Coverage
As a nationwide insurance provider, Allstate offers plenty of coverage options. Drivers can get all the standard types of insurance, plus a variety of add-ons and benefits.
Standard car insurance policy options from Allstate include:
- Bodily injury/property damage liability car insurance: This compensates other parties if you cause an accident.
- Collision insurance: This covers your car after a moving accident.
- Comprehensive insurance: This covers your car after non-accident events like vandalism or severe weather.
- Medical payments (MedPay): This pays your medical bills up to a limit no matter who caused the accident.
- Personal injury protection (PIP): This pays medical bills, lost wages and death benefits no matter who caused the accident.
- Underinsured/uninsured motorist insurance: This covers your medical and repair bills if someone without enough insurance caused an accident.
Allstate Car Insurance Options
Beyond the standard coverages, Allstate offers the following additional coverage options:
- Rideshare insurance: This coverage protects you when you drive for a company like Uber or Lyft.
- Roadside coverage: The roadside assistance add-on can cover jump-starts, spare tire installations, fuel deliveries and more.
- Rental reimbursement: Get reimbursed for a rental car when your vehicle is in the shop.
- Classic car insurance: Get coverage that pays agreed value and includes spare parts for an antique vehicle.
- Mexico and Canada car insurance: These options can cover your vehicle if you drive across either border.
- Allstate Extended Vehicle Care: This separate program is similar to an extended car warranty. There are three plan options, each of which covers a range of mechanical breakdowns. Allstate also offers vehicle protection products like gap insurance and tire and wheel protection in some states.
- Deductible Rewards®: You can get $100 off your deductible for each accident-free year, for a total of $500 off.
- New Car Replacement: This option covers the full value of your recently purchased vehicle in the case of a total loss.
- Accident Forgiveness: With this option, your rates won’t go up because of an accident.
- Safe Driving Bonus®: You can get a bonus for each insurance policy period without an accident.
Allstate Car Insurance Review: The Bottom Line
Our review team gives Allstate a score of 9.1 out of 10 due to its coverage options and discounts. While there are more inexpensive options out there, we believe it should still be considered in your search for vehicle coverage. Compare multiple companies and get plenty of quotes to find the best deal possible.
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Allstate Car Insurance Alternatives
As you shop around, we recommend comparing quotes from Travelers and Progressive.
Travelers vs. Allstate
Travelers offers some of the cheapest rates according to our data. Good drivers pay about $1,692 per year, which is well below the industry average of $2,681. Travelers also offers helpful add-ons like new car replacement and accident forgiveness.
Progressive vs. Allstate
Like Allstate, Progressive offers classic car insurance to protect valuable vehicles. But Progressive offers a few more choices for coverage than Allstate. These include pet injury coverage and custom parts and equipment coverage. The second option can cover things like aftermarket rims and upgraded audio systems if you get into an accident.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
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