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Allstate Pros And Con

Pros Wide range of full coverage options Many discounts for good students and safe drivers Offers two usage-based services Consistently ranks highly in J.D. Power studies
Cons Relatively more expensive than competitors Average mobile app ratings

As one of the largest insurers in the country, Allstate is a well-known, reputable insurance provider. Allstate insurance reviews suggest the company has reliable claims service and quality customer service, but is it the right choice for you? This review takes a closer look at the company to help you decide if it is worth insuring your car with Allstate.

If you’re looking for low-cost insurance, you’ll want to compare rates from several providers. The cheapest insurers vary from driver to driver and state to state, so it pays to compare individualized insurance quotes from the best car insurance companies.

40+
COMPANIES ANALYZED
1.5M
RATES REVIEWED
1,000+
CUSTOMERS SURVEYED
1,200+
RESEARCH HOURS
2,150
DATA POINTS

Allstate Insurance Rating: 4.1 Stars

Allstate is a reliable insurance carrier with a full range of coverage options. While Allstate costs tend to be a bit higher than the cheapest car insurance providers, rates are relatively competitive. Allstate customer service has a strong reputation from J.D. Power, though the company has seen some negative press regarding lowballing settlement offers.

Cost

3.3

Coverage

4.5

Reliability

4.8

Claims Service

4.2

Overall Rating

4.1

About Allstate

Founded: 1931
States available: All states
AM Best financial strength rating: A+
Insurance types: Auto, home, motorcycle, ATV, renters, life, boat, motorhome, pet, business

Originally founded as part of Sears, Allstate has since become an independent company and is now one of the largest insurers in the U.S. As the name implies, you can purchase an Allstate policy in all states, including Alaska and Hawaii. You can find insurance products for most types of vehicles through Allstate, as well as homeowners insurance, renters insurance, life insurance, and more.

State

Annual Rate Estimate

State

Annual Rate Estimate

Alabama

$1,372

Alaska

$1,880

Arizona

$2,502

Arkansas

$2,085

California

$2,498

Colorado

$2,705

Connecticut

$2,298

Delaware

$2,942

District of Columbia

$3,133

Florida

$4,314

Georgia

$2,133

Hawaii

$1,373

Idaho

$1,605

Illinois

$2,125

Indiana

$1,749

Iowa

$1,412

Kansas

$2,358

Kentucky

$2,726

Louisiana

$3,344

Maine

$1,518

Maryland

$3,413

Michigan

$9,832

Minnesota

$1,851

Mississippi

$1,969

Missouri

$2,906

Montana

$2,306

Nebraska

$1,875

Nevada

$2,891

New Hampshire

$1,581

New Jersey

$2,273

New Mexico

$2,085

New York

$4,548

North Carolina

$2,332

Ohio

$1,685

Oklahoma

$1,910

Oregon

$1,908

Pennsylvania

$2,062

Rhode Island

$2,635

South Carolina

$1,835

Tennessee

$2,019

Texas

$2,766

Utah

$1,788

Vermont

$1,603

Virginia

$1,418

Washington

$1,848

West Virginia

$2,174

Wisconsin

$1,463

Wyoming

$2,306

*Cost information not available for Allstate auto insurance in Massachusetts, North Dakota, or South Dakota.

The following tables show national average insurance costs for several top providers, broken down by type of driver.

Car Insurance Estimates For Good Drivers

Car Insurance Company

Annual Rate Estimate

USAA

$1,013

State Farm

$1,339

Geico

$1,352

Progressive

$1,397

Nationwide

$1,533

Allstate

$2,249

Car Insurance Estimates For Drivers With Poor Credit

Car Insurance Company

Annual Rate Estimate

USAA

$1,807

Geico

$2,077

Nationwide

$2,227

Progressive

$2,514

State Farm

$3,616

Allstate

$3,765

Car Insurance Estimates For Young Drivers

Car Insurance Company

Annual Rate Estimate

USAA

$1,422

Geico

$1,627

State Farm

$1,765

Progressive

$2,029

Nationwide

$2,293

Allstate

$2,959

Allstate Car Insurance Discounts

One way to reduce your insurance premiums is to take advantage of Allstate’s auto insurance discounts, which include:

New Car Discount

Discount for cars that are the current model year or 1 year prior and you are the first owner

Anti-Lock Brake Discount

Discount for cars with anti-lock brakes

Multi-Policy Discount

Bundling discount for customers who have Allstate homeowners insurance, renters insurance, or other insurance policies alongside their auto insurance policy

Early Signing Discount®

Discount for customers who sign their car insurance policy 7 or more days before it becomes effective

Responsible Payer Discount

Discount for customers who haven’t received a cancellation notice for non-payment in the past year

Smart Student Discount

Discount for drivers who are unmarried, under 25, maintain good grades, and attend school at least 100 miles away from where the car is garaged

Anti-Theft Discount

Discount for having a protective or anti-theft device such as an alarm installed in your car

EZ Pay Plan Discount

Discount for customers who set up automatic payments

Allstate eSmart Discount®

Discount for customers who sign up for paperless billing

FullPay® Discount

Discount for customers who pay their annual premium in full up front

Safe Driving Club

Discount for every 6 months without an accident

While not a discount exactly, Allstate also offers a deductible rewards program. This program reduces your collision deductible by $100 the day you sign up, and your deductible will continue to decrease $100 more each year without an accident for up to $500.

Drivers can also take advantage of Allstate’s Safe Driving Bonus®. This program allows you to earn a bonus every six months you don’t have an accident. You can have it sent to your bank account or receive a credit to your car insurance policy instead.

Allstate’s website may not list all of the discounts available to you. You can ask a local agent about additional discounts and Allstate rewards.

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Allstate Auto Insurance Coverage

With Allstate, you can purchase the six standard types of insurance:

Liability

Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers when you’re at fault for an accident. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident in which you are at fault.

Collision

Collision insurance pays for damages that occur while your car is moving. This includes damages from another vehicle, a road hazard, or flipping your vehicle.

Comprehensive

Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

Medical Payments

Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

Personal Injury Protection

Personal injury protection (PIP) pays for the medical bills of you and your passengers after an accident. PIP may also pay for other expenses like lost wages.

Underinsured/Uninsured Motorist

Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who either does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Allstate Add-On Insurance Options

In addition to the standard auto insurance options, Allstate offers the following coverage add-ons:

Custom Equipment Coverage

Covers aftermarket parts, expensive electronics, and custom equipment

Roadside Assistance

Provides assistance for flat tires, lockouts, fluid delivery, towing, and winching

Rental Reimbursement

Covers the cost of a rental car while your vehicle is in the shop for covered repairs

Ride for Hire®

Specialty rideshare insurance for drivers working for a rideshare service such as Uber or Lyft

Allstate also offers accident forgiveness coverage, meaning your car insurance premium won’t go up if you are at fault in an accident. If you want to learn more about add-on coverage options, you should contact your local Allstate agent.

Allstate Usage-Based Insurance

Allstate has two usage-based services: Drivewise® and Milewise®. Drivewise monitors your driving habits through the Allstate mobile app and helps customers who practice safe driving earn insurance discounts. This means driving less frequently, avoiding hard braking, and driving less late at night when accidents are more common.

Some customers have reported issues with Drivewise in the App Store and Google Play store. Complaints reference the app not functioning properly to record drives.

The Milewise program monitors the distance that you drive to set your car insurance rates. Miles are tracked through a plug-in device that pairs with the Allstate mobile app. If you enroll in the Milewise program, you will pay a predetermined daily rate plus a per-mile rate. This can be a great option for those who drive infrequently.

Allstate Mobile App

The Allstate mobile app can be used to manage policy details, pay your bills, and even file insurance claims. It’s also used to monitor driving habits for the Drivewise program. The app has a 3.6 out of 5.0-star rating on Google Play and a 4.8 out of 5.0-star rating in the App Store.

The Allstate app’s Google Play rating is low compared to other insurers’ mobile apps. However, most insurers have separate apps for usage-based monitoring and claims. Complaints about Drivewise specifically are what bring down the app’s overall score in the Google Play store.

Allstate Insurance Reviews

Better Business Bureau (BBB) rating: NR
BBB complaints in the past three years: 2,089
J.D. Power customer satisfaction index: 870 / 1,000

Allstate performs well when it comes to customer reviews. The company ranks well in the J.D. Power customer satisfaction index and receives a relatively small volume of complaints through the BBB. In the J.D. Power 2021 U.S. Insurance Shopping StudySM, Allstate placed third among large insurers.

Unfortunately, Allstate has a complaint index of 2.36 from the National Association of Insurance Commissioners (NAIC). This means the company has 2.36 times the average number of complaints for an insurer of its size. Most of these complaints revolve around customer claims satisfaction.

Positive Allstate Insurance Reviews

Satisfied policyholders report a smooth claims process and reliable service.

“[We’ve] been with [Allstate] over 13 years. They have always been extremely helpful. Car wreck: No problems, taken care of so very well. Tree on house: [Our Allstate agent] was right there offering to put up tarps while it was still raining.”

– Christina M. via BBB

“My husband and I have [had] Allstate insurance for over 20 years. We have had a total of three accidents in 20 years and each incident was handled smoothly and within 24 hours. The representatives have always been patient, attentive, and accurate with information provided to settle each case.”

– Christy P. via BBB

Negative Allstate Insurance Reviews

Some negative Allstate insurance reviews report a slow claims process. Allstate has also been subject to some press scrutiny for lowballing claims offers, though this doesn’t appear to be the norm for most customers.

“At first Allstate promised the car would be fixed to the standard it was prior or better […] here we are July 16 [and] we still don’t have our car back and Allstate will not fix the issues with the truck.”

– Chandra O. via BBB

“This process to get a simple claim took about a month and a half when it should have taken two weeks or less.”

– David B. via BBB

While we still rate Allstate highly for customer service overall, there are other national providers with slightly better customer reputations.

What Customers Say About Allstate

Our 2022 car insurance survey found 8 percent or 86 people out of the 1,000 respondents surveyed had an Allstate policy. Out of the 86 Allstate policyholders, 79 percent stated they were satisfied with the company.

Additionally, when we asked the 1,000 respondents in our survey if they had ever experienced a rate increase without an obvious cause, 40 percent stated that they had. Just over 51 percent of the 86 Allstate policyholders reported that they had experienced a rate increase without an obvious cause like an accident or ticket.

Best Car Insurance Companies

Allstate isn’t your only choice for car insurance coverage. It’s always a good idea to compare car insurance quotes when shopping for auto insurance. We recommend considering two of the top insurance providers in your search: USAA and Geico.

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USAA: Best For Military Members

USAA boasts some of the lowest average rates and highest customer satisfaction scores of any insurer on the market. The company has a wide range of coverage options and good discount opportunities for military members. Good drivers are likely to find the lowest rates through USAA.

USAA is known for its reliability and has an A++ financial strength rating from AM Best. It also consistently ranks well in J.D. Power customer satisfaction studies. While USAA insurance is only available to military members, veterans, and their families, it is a smart choice for those who qualify.

You can learn more about this provider, including average cost data, by reading our complete USAA insurance review.

Geico: Best Overall Provider

As the second-largest insurer in the country, Geico is known nationwide for its low insurance rates and comprehensive coverage options. Our team named it the Best Overall Provider for its reliability and great customer service reviews, and it’s rated a full 4.6 stars.

Geico received an A++ rating for financial strength from AM Best, and the company has a long history of meeting customer claims obligations. Premium rates are low and may be the cheapest option for many drivers, especially for good drivers, young drivers, and drivers with poor credit.

Read our Geico insurance review for more information, including cost estimates, discount options, and customer reputation.

Frequently Asked Questions

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: 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.
  • 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.
  • 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.
  • Service: We comb through customer reviews on sites like the 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 easy-to-use claims apps.

*Data accurate at time of publication.