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Allstate is one of the most well-known insurance companies in the country, but is Allstate auto insurance the best choice for you?
In this Allstate insurance review, we’ll break down Allstate’s coverage, discounts, and customer reviews. Then, we’ll compare it to the providers that topped our list for the best auto insurance on the market to see how it matches up.
Anytime you shop for insurance, we recommend getting a few free quotes before making a decision on coverage. Our easy tool below allows you to get started by entering your zip code.
Allstate Overview
As one of the biggest car insurance companies in the country, Allstate 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).
The insurer has an A+ AM Best financial strength rating and an A+ from the Better Business Bureau (BBB). Allstate works through a network of local agents to provide auto insurance to customers. The main benefit of this is that local agents can cater directly to the needs of specific communities.
In addition to auto insurance, Allstate offers the following types of coverage:
- Home insurance
- Renters insurance
- Condo insurance
- Motorcycle insurance
- Business insurance
- Life insurance
Allstate Auto Insurance Coverage
Allstate offers the following types of standard auto insurance coverage:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Medical payments
- Personal injury protection
- Uninsured and underinsured motorist insurance
On top of those basic coverages, you can get the following types of Allstate auto insurance when you sign up for a policy.
| Rental reimbursement | Rental 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 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 Auto Insurance Cost
According to our rate estimates, Allstate is more expensive than average. Good drivers find rates around $2,249 per year, which is more expensive than the national average of $1,732. However, our rate estimates don’t take discounts into account, so you could find a lower price if you bundle multiple cars or have good grades.
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. You may find different rates if you are young, have points on your driving record, or have poor credit.
| Car Insurance Provider | Average Annual Cost Estimate |
|---|---|
| USAA | $1,113 |
| Erie Insurance | $1,113 |
| Auto-Owners | $1,229 |
| State Farm | $1,339 |
| Geico | $1,352 |
| Progressive | $1,397 |
| Nationwide | $1,533 |
| Travelers | $1,617 |
| National Average Cost | $1,732 |
| Farmers | $2,032 |
| The Hartford | $2,166 |
| Allstate | $2,430 |
The state in which you live also dictates car insurance prices to a large degree. Different states have different insurance regulations, coverage requirements, population densities, weather patterns, and more. All of these affect the rate you pay.
Below is a comparison of Allstate’s average rates against each state’s average. You can see that Allstate is more expensive, for the most part.
| State | State Average Cost Estimate | Allstate Cost Estimate |
|---|---|---|
| Alabama | $1,448 | $1,372 |
| Alaska | $1,287 | $1,880 |
| Arizona | $1,625 | $2,502 |
| Arkanksas | $1,449 | $2,085 |
| California | $2,339 | $2,498 |
| Colorado | $1,672 | $2,705 |
| Connecticut | $1,885 | $2,298 |
| Delaware | $1,921 | $2,942 |
| District of Columbia | $1,787 | $3,133 |
| Florida | $2,894 | $4,314 |
| Georgia | $1,548 | $2,133 |
| Hawaii | $1,238 | $1,373 |
| Idaho | $1,089 | $1,605 |
| Illinois | $1,474 | $2,125 |
| Indiana | $1,087 | $1,749 |
| Iowa | $1,095 | $1,412 |
| Kansas | $1,364 | $2,358 |
| Kentucky | $1,817 | $2,726 |
| Louisiana | $3,828 | $3,344 |
| Maine | $995 | $1,518 |
| Maryland | $1,941 | $3,413 |
| Massachusetts | $2,568 | Data not available |
| Michigan | $4,390 | $9,832 |
| Minnesota | $1,487 | $1,851 |
| Mississippi | $1,357 | $1,969 |
| Missouri | $1,741 | $2,906 |
| Montana | $2,214 | $2,306 |
| Nebraska | $1,372 | $1,875 |
| Nevada | $2,332 | $2,891 |
| 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 | $1,310 | Data not available |
| Ohio | $923 | $1,685 |
| Oklahoma | $1,630 | $1,910 |
| Oregon | $1,284 | $1,908 |
| Pennsylvania | $1,405 | $2,062 |
| Rhode Island | $1,923 | $2,635 |
| South Carolina | $1,592 | $1,835 |
| South Dakota | $1,331 | Data not available |
| Tennessee | $1,217 | $2,019 |
| Texas | $2,067 | $2,766 |
| Utah | $1,446 | $1,788 |
| Vermont | $1,013 | $1,603 |
| Virginia | $1,079 | $1,418 |
| Washington | $1,271 | $1,848 |
| West Virginia | $1,390 | $2,174 |
| Wisconsin | $946 | $1,463 |
| Wyoming | $1,499 | $2,306 |
Allstate Insurance Discounts
Discounts can greatly reduce an insurance premium, depending on which savings you qualify for. Here are the discounts you can get with Allstate auto insurance:
| Allstate Discount | Details |
|---|---|
| New car | If you are the first owner of your car, you could be eligible for a discount. |
| Multiple policy | Bundle your auto insurance with home or renters insurance to save money. |
| Smart student | Full-time students with good grades can save on car insurance. |
| Anti-lock brakes | Save if your car has anti-lock brakes. |
| Anti-theft devices | 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. |
| Responsible payer | Save if you paid on time for the past year. |
| EZ pay plan | Save for setting up automatic withdrawals. |
| Allstate eSmart® | Go paperless by signing up for an ePolicy, and your premium will be reduced. |
| FullPay® | Pay your auto insurance policy in full to save money. |
| Safe driving club | Drive safely to make it into Allstate’s safe driving club and receive a discount. |
Extra Perks
Along with discounts, you can also 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).
Drivewise®
Like most leading car insurance companies, Allstate has a safe driving app that can help you lower car insurance rates by driving safely. The free app, Allstate Mobile, provides you with personalized feedback on your driving habits. You can get cash back just for signing up for the program, and then every six months, you have the potential to earn more savings.
The Allstate Mobile application has a 3.1-star rating on Google Play. Many positive Allstate insurance reviews highlight the app’s convenience, while negative reviews mention glitches and technical difficulties.
How to File a Claim
Allstate has an easy online claims process that includes instructions for how to proceed after an automobile accident. The website allows you to track claims and make payments. Alternatively, you can use the Allstate Mobile app to manage claims.
Allstate Insurance Reviews
Allstate performs well in industry studies such as the J.D. Power 2021 U.S. Auto Insurance Satisfaction StudySM, where it earned a high rating among top insurers in Florida.
The company 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 when it comes to car insurance companies, especially during the stressful claims process.
Positive Allstate Auto Insurance Reviews
“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 Auto Insurance Reviews
“Too hard to get [the] claim processed. [Can’t] use the print out 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 cancelled, 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 cancelled properly.” – Lee, BBB
Our Verdict on Allstate Auto Insurance: 90%
We rated Allstate at 90% because of its availability and excellent industry standing. Allstate auto insurance coverage is comprehensive, although it can be expensive compared to insurance from other top providers. If you qualify for discounts, you can find great coverage with Allstate.
We recommend reaching out to Allstate and a few other providers so you can compare policies side by side. Enter your zip code below to start getting free car insurance quotes.
Top Picks for Car Insurance
In addition to Allstate auto insurance, our team has done the research on other top insurance providers. Two of the insurance companies that we highly recommend are GEICO and State Farm.
GEICO: Best Overall
Our team rated GEICO at 96 percent and found that it is the best choice 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 like auto and homeowners and save on both. Read our full GEICO auto insurance review to learn more.
State Farm: Best for Student Drivers
Our team rated State Farm at 95 percent 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.
FAQ: Allstate Auto
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 servicing, 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.
Original article: Allstate Insurance Reviews 2021 [Pros, Cons, And Cost]
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