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Allstate Auto Insurance Review

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We awared Allstate “Best Local Service” for 2023 due to its range of coverage options and strong industry reputation.

Crash Course:

  • Allstate auto insurance earned a 4.2 out of 5.0 in our most recent car insurance study.
  • The provider has several coverage options that are hard to find elsewhere.
  • Allstate coverage tends to be more expensive than many top providers.
Car driving down the road
Allstate Insurance Review
In Our Opinion:
Allstate is a smart choice for car insurance for its extensive coverage and long list of discounts. Additionally, it has plenty of local agents.
Industry Standing:
Customer Service:
Online Experience:
Works through a network of local agents to provide coverage
Superior financial strength rating from AM Best and A+ rating from the Better Business Bureau (BBB)
Mileage-based discount program
Mixed customer service reviews

Allstate auto insurance is one of the most popular providers in the U.S. Since the company is an option for most drivers in the country, our research team wanted to provide key details and information about the company to help insurance shoppers decide if it is the right provider for them.

In this Allstate auto insurance review, we take an in-depth look at the company’s rates, coverage options, and reputation to see how it measures up to the industry’s top car insurance providers. Keep reading to see what we learned.

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Allstate Car Insurance Review

Allstate earned an overall rating of 4.2 out of 5.0 in our most recent auto insurance study and the award for “Best Local Service.” You’ll find the breakdown of those ratings by category in the table below.

Review CategoryRatings Scores
Industry Standing4.7
Customer Service4.3
Online Experience4.0
Overall Rating4.2

Allstate Pros and Cons

Allstate has some attractive upsides as an auto insurance provider, but the company also has some notable drawbacks.

Allstate Auto Insurance ProsAllstate Auto Insurance Cons
Easy claims processAverage customer reviews
A+ financial strength ratingExpensive compared to other top providers
Low number of complaints relative to company sizeRelatively few discounts

How Good Is Allstate Insurance?

Allstate can be a great option for drivers who want flexible coverage and discount opportunities. The company offers 12 different types of car insurance coverage, including unique offerings like rideshare insurance and sound system insurance, that you don’t see from many other companies. The provider also has two usage-based discount programs — Drivewise® and Milewise®.

About Allstate

Established in 1931, Allstate was initially part of Sears, and sold car insurance through the Sears catalog. It has since become one of the biggest car insurance companies in the country and is available in all 50 states. In 2019 alone, Allstate wrote over $23 billion in premiums, according to the National Association of Insurance Commissioners (NAIC).

Allstate works through a network of local insurance agents to provide auto insurance to policyholders. The main benefit of this is that local insurance agents can cater directly to the needs of specific communities.

Allstate Auto Insurance Ratings and Reviews

Allstate is one of the most well-established auto insurance providers in the country, and its industry ratings show it. The company has high scores from almost every industry ratings organization. But while Allstate has generally high marks for customer satisfaction, it also has mixed reviews from customers online.

Allstate Insurance Ratings

The Better Business Bureau (BBB) gave Allstate an A+ rating, although the insurance provider is not currently accredited by the organization. Allstate currently holds an A+ financial strength rating from AM Best, which assesses companies based on their creditworthiness.

Allstate Customer Satisfaction

Several Allstate insurance reviews mention an easy online claims process that includes instructions for how to proceed after an automobile accident. This corresponds with what we found in our 2022 insurance customer survey.

We polled nearly 7,000 respondents in 2022 to determine their overall satisfaction with their car insurance provider. Nearly 9% reported that they had an Allstate car insurance policy. The Allstate policyholders rated their overall satisfaction with the company a 4.1 out of 5.0.

Allstate Insurance Ratings: J.D. Power

In the J.D. Power 2022 U.S. Insurance Shopping StudySM, Allstate ranked slightly below average for its shopping experience compared with other large companies. It received a score of 854 out of a possible 1,000 points, showing that most Allstate policyholders are satisfied with their experiences.

The company also scored above the industry average in the J.D. Power U.S. Auto Claims Satisfaction Study, with 889 out of a possible 1,000 points. The industry average for the study was 873.

Allstate Customer Reviews

Allstate has closed more than 600 complaints through the BBB in the past year, and it has a 1.1-star rating from customers based on more than 300 Allstate insurance reviews. Keep in mind that customers are more likely to leave negative reviews than positive ones when it comes to car insurance companies, especially during the stressful claims process.

Below are a few examples of positive reviews and complaints from Allstate customers on the BBB:

Positive Allstate Insurance Reviews

In many of the positive Allstate insurance reviews we read, customers praised the company’s customer service.

“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 [the] information provided to settle each case.”

– Christy P., BBB

“Been with this company over 13 years. They have always been extremely helpful! Car wreck, no problems, taken care of so very well.”

– Christina M., BBB

Negative Allstate Insurance Reviews

Issues with the claims process and communication problems were some of the more common complaints in the negative Allstate auto insurance reviews we read.

“Too hard to get [the] claim processed. [Can’t] use the printout straight from appointment at the doctor’s office or insurance form sent after service. Constantly having to send more forms. Takes forever to get paid on anything. Worst insurance I have ever dealt with!”

– Connie Q., BBB

“I called in January 2020 to have one car removed and homeowners changed to renters insurance. I was told that the entire old policy would need to be canceled, and a new one with my current needs would be made. That was fine. However, for the next [two] months, I was charged double because the [original] policy had not been canceled properly.”

– Lee, BBB

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Allstate Auto Insurance Cost

*Editor’s note: Unless stated otherwise, all rate estimates are based on a profile of a 35-year-old driver with good credit and a clean driving record.

The average cost of a full coverage policy from Allstate is around $2,088 per year or $174 per month. This is significantly more expensive than the national average of $1,730 per year.

However, these estimates don’t take discounts into account, of which Allstate offers many. After applying discounts, the company’s rates may be much more competitive.

In the following sections, we break down Allstate’s rates in more detail.

Allstate Insurance Prices

Like all insurers, Allstate determines its rates based on a variety of factors. Your age, where you live, your driving record, and more all contribute to your premium.

Here are the main factors that affect your Allstate car insurance quote:

car insurance cost factors 1 1

Here are the main factors that affect your Allstate car insurance quote:

  • Coverage options: The kinds of coverage you buy and the coverage limits you choose play a significant role in how much you pay for car insurance.
  • Deductible: You’ll have some choice over how high you set your deductible. While a higher deductible can lower your car insurance premiums, you’ll have to pay more out of pocket to repair damages.
  • Driving record: If you’ve had a recent at-fault accident or moving violation, you can expect to pay more for car insurance than someone with a clean driving record.
  • Age: Younger drivers and senior drivers pay more for car insurance than middle-aged drivers. Teen drivers usually pay the most.
  • Credit score: Your credit score also plays a role in your insurance premiums. Drivers with good credit will 
  • Location: Different states have different rates for insurance, but rates can vary within those states too. Drivers living in rural areas often pay less for coverage than those in cities.
  • Vehicle: The make, model, and value of your car also affect your insurance rates. In general, larger and more expensive cars are more expensive to insure.

Allstate Auto Insurance Rate Estimates

Our team was able to pull Allstate rate estimates from Quadrant Information Services for several different variables. We’ve included those estimates in the following sections to help you get a better idea of what you might pay for your auto policy.

Allstate Auto Insurance Rates by Risk Factor

As mentioned above, your driving record impacts the price you pay for car insurance. In our research, we found that Allstate car insurance estimates are far above the average for high-risk drivers. The table below shows monthly and annual cost estimates for different driver situations.

Risk FactorAllstate Average Monthly Cost EstimateAllstate Average Annual Cost EstimateNational Average Annual Cost Estimate
Speeding Ticket$229$2,746$2,313
Car Accident$300$3,598$2,689

Allstate Car Insurance Rates by Age

Age is another factor that significantly impacts car insurance costs. If you are a young or inexperienced driver, you can pay hundreds of dollars more for car insurance each year than an experienced driver.

The table below shows average monthly and annual cost estimates for an Allstate insurance policy by age.

AgeAllstate Average Monthly Cost EstimateAllstate Average Annual Cost Estimate

Allstate Car Insurance Rates by State

Even if you are a good driver, the state where you live can drastically affect your auto insurance rate. This is because different states have different car insurance regulations, coverage requirements, population densities, and environmental events. Below, you can see how USAA compares to the average rate in each state.

StateState Average Cost EstimateAllstate Cost Estimate
District of Columbia$1,787$3,133
Massachusetts$2,568Data not available
New Hampshire$1,181$1,581
New Jersey$2,108$2,273
New Mexico$1,356$2,085
New York$3,964$4,548
North Carolina$1,277$2,332
North Dakota$1,310Data not available
Rhode Island$1,923$2,635
South Carolina$1,592$1,835
South Dakota$1,331Data not available
West Virginia$1,390$2,174

Is Allstate Car Insurance Expensive?

According to our cost estimates, Allstate is one of the most expensive national providers of car insurance. Our research shows that car insurance rates with Allstate are usually 21% higher than the national average of $1,730.

Allstate Insurance Rate Comparison

Below, you can see how Allstate compares to other leading car insurance companies. These estimates apply to full coverage insurance for 35-year-old drivers with good credit and driving records.

Car Insurance ProviderAverage Monthly Cost EstimateAverage Annual Cost Estimate
Erie Insurance$103$1,238
Auto-Owners Insurance$111$1,337
State Farm$123$1,481
American Family$128$1,537
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Allstate Insurance Discounts

Our team’s Allstate insurance review discovered that the provider has higher-than-average rates. However, the company offers many discounts that can greatly reduce an insurance premium, depending on which savings you qualify for.

Here are the discounts you can get with Allstate insurance:

  • New car discount: If you are the first owner of your car, you could be eligible for a discount.
  • Multi-policy discount: Bundle your auto insurance with your Allstate homeowners insurance or renters insurance to save money.
  • Smart student discount: Full-time students with good grades can save on Allstate car insurance.
  • Anti-lock brakes discount: Save on your car insurance coverage if your car has anti-lock brakes.
  • Anti-theft device discount: Save if your car has an anti-theft device.
  • Early Signing Discount®: Sign up for your policy seven or more days before it comes effective and save on your auto insurance rates.
  • Responsible payer discount: Save on your premiums if you paid on time for the past year.
  • EZ pay plan discount: Save for setting up automatic withdrawals.
  • Allstate eSmart® discount: Go paperless by signing up for an ePolicy, and your premium will be reduced.
  • FullPay® discount: Pay your auto insurance policy in full to save money.
  • Safe driving club discount: Drive safely to make it into Allstate’s safe driving club and receive a discount.

Allstate Milewise®

If you work from home, close to home, or otherwise just don’t drive much, you may benefit from Allstate’s Milewise® insurance coverage. This usage-based policy tracks your miles and charges you by the day and per mile for how much you drive. For people who don’t need to put many miles on their car each month, this could save a lot of money.

Allstate Drivewise®

Allstate is one the many companies that offers a telematics program. Through the use of a mobile app, Drivewise monitors your driving habits and reports them back to Allstate. You can earn policy discounts or even cash back if you maintain safe driving habits.

This can be a great way to save money on your car insurance premiums, especially if your driving record isn’t perfect. But be careful. While safe driving habits can net you a lower premium, unsafe habits could make coverage even more expensive.

Allstate Insurance Perks

Along with discounts, you can save money on an Allstate auto policy by checking out the following programs and benefits:

  • Accident forgiveness: This can be added onto your policy so your rates won’t go up after an accident.
  • Safe Driving Bonus®: Receive a bonus for every six months of safe driving.
  • Deductible Rewards: Get $100 off your collision deductible when you sign up and another $100 off your deductible each year you are accident-free (up to $500 total).
  • Allstate rewards: Drivers who sign up for Milewise® or Drivewise® programs can earn points for good driving that can be redeemed for savings, gift cards, sweepstakes, and more.
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Allstate Auto Insurance Coverage

Whether you’re looking to simply satisfy your state minimum insurance requirements or get full coverage for your vehicle, State Farm has all of the standard types of insurance available. These include:

  • Bodily injury liability insurance: Covers medical expenses and related costs for others involved in an accident for which you are found at fault.
  • Property damage liability insurance: Covers repair costs for vehicles and other property damaged in an accident you are found at fault for.
  • Collision insurance: Covers damages to your vehicle and other personal property regardless of who is found at-fault in an accident.
  • Comprehensive insurance: Covers damages to your vehicle from causes other than an accident, such as from vandalism, floods, inclement weather, and more.
  • Medical payments (MedPay): Covers medical expenses for you and your passengers resulting from an accident.
  • Personal injury protection (PIP): Similar to MedPay but covers lost wages in addition to medical expenses.
  • Uninsured motorist and underinsured motorist insurance: Covers damages to your vehicle and other property if an at-fault driver doesn’t have sufficient insurance to cover repairs and other costs.

Allstate Coverage Options

On top of the standard coverage options, you can get the following types of Allstate coverage and add-ons when you sign up for a car insurance policy.

  • Rental reimbursement: Rental car reimbursement helps you pay for transportation expenses such as a rental car or public transportation.
  • Gap insurance: This helps pay off your auto loan if your car is totaled or stolen.
  • New car replacement: If your car is two model years old or less, Allstate will replace it after a covered accident. 
  • Towing and labor: This roadside assistance coverage includes towing, flat tire changes, jump-starts, lockout assistance, and gas or oil delivery.
  • Rideshare insurance: If you drive for Uber or Lyft, rideshare insurance can help cover you when you are waiting for passengers between rides.
  • Sound system coverage: This coverage will replace stolen or damaged sound equipment. 
  • Classic car insurance: Protect your classic or collector vehicle with Allstate.

Allstate Insurance Claims

Allstate’s website allows you to track insurance claims and make payments. Alternatively, you can use the Allstate mobile app to manage claims or get in touch with your insurance adjuster.

Allstate is unique in that it offers a Claims Satisfaction Guarantee. If you are not satisfied with the resolution of your claim, you can get your money back. This benefit comes with all Allstate policies.

Allstate Auto Insurance Reviews: Conclusion

We rated Allstate a 4.2 out of 5.0 because of its availability and excellent industry standing. The company offers an ample selection of insurance options to create policies that fit your specific needs. However, Allstate’s rates can be expensive compared to other top providers. If you qualify for discounts, you can find great coverage with Allstate.

Allstate promises that “you’re in good hands” with them as your insurer, and while their prices are not always the cheapest, we tend to agree with the company on their coverage and service. We recommend reaching out to Allstate and a few other providers for car insurance quotes so you can compare policies and prices side by side.

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Allstate Insurance Competitors

In addition to Allstate auto insurance, our team has done the research on other top insurance providers. Two of the insurance companies you should consider shopping around with are GEICO and State Farm.

GEICO: Best Discount Selection

Our team rated GEICO a 4.6 out of 5.0 and found that it is a solid option for most drivers. GEICO has an outstanding customer service reputation and high ratings from industry experts, including an A++ financial strength rating from AM Best and an A+ from the BBB.

GEICO is known for its affordable coverage. You can bundle multiple types of insurance, such as auto and homeowners, and save on both. Read our full GEICO auto insurance review to learn more.

State Farm: Best Overall

Our team rated State Farm a 4.7 out of 5.0 because of its long list of discounts and strong online experience. State Farm has an A- rating from the BBB, a 4.7-star rating on Google Play, and an A++ financial strength rating from AM Best.

State Farm’s Drive Safe & Save™ program can save you money if you are a safe driver, and the Steer Clear® program is designed particularly for young drivers. For more information about coverage, read our full review of State Farm auto insurance.

Allstate Auto Insurance: FAQ

Below are frequently asked questions about Allstate auto insurance:

Is Allstate good at paying claims?

In our 2022 car insurance survey, 39% of Allstate policyholders reported they had filed a claim. Those survey participants who filed a claim rated the provider’s customer service a 4.1 out of 5.0. Respondents also gave the company a score of 4.1 for satisfaction with the claim or outcome

Is Allstate a good insurance company?

Allstate is one of the top insurance companies in the country because of its strong industry standing and availability. It offers coverage in all 50 states through a network of local agents. There are many discounts available and an Allstate mobile app that makes filing claims simple.

Does Allstate have 24-hour customer service?

Yes, Allstate has 24-hour customer service. You can call 1-800-ALLSTATE for assistance with billing, claims service, and managing policy documents. Allstate Mobile allows customers to manage their policies anywhere at any time. 

How do I know if I have Allstate coverage?

You can find out about Allstate coverage by logging into your account and clicking on the My Account button to view your profile. You can also download Allstate Mobile on your phone or tablet to view policy documents at any time.

What is the Allstate claims customer service number?

You can call 1-800-255-7828 (1-800-ALLSTATE) to check in on the status of your claim or to voice a complaint. This number provides 24/7 customer support to Allstate policyholders.

How long does it take Allstate to settle a claim?

While the time it takes to settle a claim varies depending on the parties involved, Allstate offers several options for getting paid after the claim is settled. You can choose from options like eCheck, direct deposit, or a physical check, with payment times ranging from 24 hours to 7-10 days depending on the method.

What types of car insurance does Allstate offer?

In addition to auto insurance, Allstate offers the following types of insurance products: home insurance, renters insurance, condo insurance, motorcycle insurance, business insurance, life insurance, and umbrella coverage.

Is Allstate cheaper than GEICO?

Allstate is not cheaper than GEICO in most cases. While GEICO is one of the most affordable major providers, Allstate tends to have higher-than-average rates.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.