Allstate Insurance Review (2021)

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.

Allstate Rating: 4.0 Out Of 5.0

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	3.5
Coverage	4.5
Reliability	4.0
Claims Service	4.0
Overall Rating	4.0

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.

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

Allstate Car Insurance Cost And Discounts

Allstate costs on average are higher than the cheapest competitors. This doesn’t mean it’s impossible to find low auto insurance rates with Allstate, however. Premiums vary by customer, type of coverage, and a number of factors, including:

Age
Gender listed on your license
Location
Driving history
Marital status
Credit score
Vehicle type

Since each state sets its own insurance regulations, costs can vary widely depending on where you live. The table below provides Allstate rate estimates for a 35-year-old married driver with good credit and a clean driving record.

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 on 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.

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.

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 3.3 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: A+
BBB complaints in the past three years: 1,653
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 Study^SM, 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.

Other Recommendations For Car Insurance

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.

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 one of only two insurers we awarded a full 5.0 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

Is Allstate good at paying claims?

Based on our research, Allstate reliably pays customer claims. There have been allegations that Allstate lowballs settlement offers and some customers have complained. Allstate denies such accusations, and many customers report satisfaction with the Allstate claims process.
Is State Farm better than Allstate?

Which insurer is better depends on your individual needs and driver profile. Both Allstate and State Farm are well-regarded national insurers that provide complete car insurance coverage. We also rate both providers highly. The only way to decide which is better is to reach out for car insurance quotes from each and compare offers.
Is Allstate reliable?

Allstate is a reliable insurer that is rated A+ for financial strength by AM Best. Many Allstate customers report satisfaction with their agents, who tend to be courteous and helpful during the claims process.
How does Allstate determine actual cash value?

Allstate bases actual cash value on your vehicle’s condition (prior to the total loss claim), prior damage, and local market pricing.
How long does Allstate take to settle a claim?

The amount of time Allstate takes to settle a claim depends on several factors. The complexity of your damages, the availability of vendors, and safety and access issues all impact how long it takes to process your claim.
What is Allstate's claims customer service number?

To file a claim, you can call your Allstate agent at 1-800-255-7828 or file a claim online. Customer service is available 24 hours a day, 365 days a year.

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.