Allstate Car Insurance Review: Ratings and Quotes (2024)

Allstate offers traditional car insurance policies or pay-per-mile coverage, as well as other insurance products.

10+ years writing on personal finance topics

Host of the Mental Health and Wealth podcast

Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”

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7+ years in content creation and management

5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Updated May 12, 2024

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Allstate car insurance is a leading car insurance provider that offers national coverage. You may even be familiar with the company’s tagline, “You’re in good hands.” In this Allstate insurance review, learn more about the company before buying a policy.

Allstate has an AM Best rating of A+ (Superior).

The average monthly cost of liability-only insurance with Allstate is $62 per month, and the average cost of a full-coverage policy is $137 per month based on Insurify data.

Allstate offers traditional car insurance and pay-per-mile coverage through Milewise, which may lower costs if you don’t drive very often.

What is Allstate auto insurance?

You may be familiar with the name Allstate, but maybe not with how deep the company’s roots go. In fact, executives of Chicago-based department store Sears, Roebuck and Co. founded the insurance company in 1931. During this time, many Americans were dealing with the financial fallout of the Great Depression.

After offering its first car insurance policy for an annual cost of $41.60, the company grew and had 4,217 auto insurance policies at the end of its first year in business. Its household slogan — “You’re in good hands” — has been around since 1950.

As of 1960, Allstate started offering discounts on auto insurance for good drivers. In 1968, Allstate worked with government officials and people in the auto industry to make seat belt usage a requirement. In 1993, Sears spun off Allstate as an independent operation.

In 2010, Allstate brought innovation to the industry by launching its Drivewise program and using telematics devices to track driver behavior and mileage. Four years later, the company launched the first-ever insurance telematics mobile app.[1]

Most recently, Allstate joined other major insurers in refunding some auto premiums to its customers during the first year of the COVID-19 pandemic. Aside from auto insurance, Allstate is a comprehensive insurance provider and also offers home insurance, renters insurance, term life insurance, and more. So if you need multiple insurance products and would like to benefit from a bundling discount, Allstate may be a good option.

“One of the benefits of Allstate is that it is a major insurance company with coverage in many states. This means that you can relocate and easily keep a policy through Allstate,” explains Jesse Cunningham, an independent licensed insurance agent and agency owner at Bauple.com.

Allstate

Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states and Washington, D.C., the company has superior ratings from AM Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Well-established with superior ratings from AM Best

Pay-per-mile option available

Low customer satisfaction

Rates are merely average compared to other insurers

Good Service but Overpriced

Raised Prices Amidst Economic Changes

Too big and pricey

How does Allstate auto insurance work?

Allstate offers many different types of insurance, including car insurance. If you purchase a policy with the company, you’ll pay a premium to maintain your coverage.

Factors that will influence that premium include your previous driving history, where you live and any safety/crime risks, the type of vehicle you drive, your gender, and potentially your credit score.[2] If you’re involved in an accident and you need to file a comprehensive or collision claim, you’ll pay a deductible before your benefits can kick in.

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Allstate auto insurance coverage

You can find insurance policies from Allstate auto insurance to fit your needs and stay fully protected. Here’s a breakdown of the coverage options the company offers:

This coverage applies to your liability in the event of injury or death or if you damage another person’s vehicle and you’re at fault. It protects you when you accidentally harm others, but unfortunately, it doesn’t cover any property or vehicle damage, or injuries for yourself.

If you’re in a collision with another vehicle or an object such as a street light or pole, collision coverage can pay for the costs related to your damage. Collision also covers rollover accidents and pothole damage.

If you want to fill the gap and include other types of damage to your vehicle, such as from a fire, theft, vandalism, weather hazards, cracked windshields, or pesky debris on the highway, comprehensive coverage has you covered. This ensures you’re protected in a variety of non-collision scenarios.

Getting into an accident with a driver who has inadequate or no car insurance could be a major hassle. With uninsured/underinsured motorist coverage, you’ll get help with expenses if the other party is at fault and without coverage. This can be a much-needed safeguard in the unfortunate event you’re in an accident with a driver who doesn’t have car insurance. Uninsured motorist coverage can also pay in the case of a hit-and-run accident.

This coverage is for you and any passengers in your vehicle if you’re injured in an accident, and it helps with medical payments.

Similarly, personal injury protection can offer additional coverage if you’re hurt from a qualified accident. This may cover part of your income or childcare expenses and more.

Additionally, Allstate offers some different coverages, including:

Roadside assistance: If you’d like to be protected if you get a flat tire or if your car dies and you need a jump start, roadside assistance coverage is a good idea.

Personal umbrella policy: This option provides higher limits of coverage than what’s traditionally offered with liability coverage. So if you want more protection, this can cover you with higher limits.

Rental reimbursement coverage: If your vehicle is getting repaired after an eligible and covered accident, this can help reimburse the cost of a rental car while you’re without a car.

Accident forgiveness: This optional coverage can keep your premium stable following your first at-fault accident. You'll generally need to be a good driver with no recent at-fault accidents to be eligible for this coverage.

Gap coverage: Guaranteed asset protection coverage can help pay off a car loan or lease if your vehicle is totaled and the insurance payout is less than your outstanding loan or lease balance.

How to get a car insurance quote from Allstate

It’s possible to get a quote through the Allstate website or one of the company’s exclusive or independent insurance agents. But there’s another easy option that helps you compare Allstate with other insurance providers. You can use an online quote-comparison tool like Insurify. Simply input your ZIP code and provide information about your vehicle, miles driven, and personal information to get quotes from various providers, including Allstate.

That way, you can see prospective quotes from Allstate car insurance alongside other reputable insurers to make sure you get the best rate.

Most states have minimum car insurance requirements for drivers. The type of coverage that’s required and where you live can affect your car insurance rates. Below are some example states and the average monthly rate for Allstate full-coverage and liability-only insurance in each state.

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Your driving history is a primary factor that affects your car insurance rates. A history of speeding tickets or at-fault accidents can raise your premiums.

These violations or infractions can look like an added risk to your insurer, so your rates will go up. The table below shows how differences in driving history affect Allstate coverage rates for both full-coverage and liability-only policies. For example, drivers with a DUI pay about 66% more per month for full-coverage insurance than motorists with a clean driving record.

Age is also a risk factor that car insurance companies consider when setting rates. Certain age groups, such as teen drivers, tend to be at greater risk, which can mean higher premiums.[3] The table below illustrates how age can drastically affect car insurance rates. For example, an 18-year-old driver insured by Allstate will pay about 101% more for car insurance than a driver in their 70s.

Allstate car insurance discounts

Another way to save on car insurance is by qualifying for certain discounts. The good news is that Allstate offers various discounts, which can help reduce the overall cost of the policy. Allstate discounts include:[4]

New-car discount: If you purchase a brand-new car within the current calendar year or the previous year, you may qualify for this discount.

Multiple-policy discount: If you bundle your insurance and have more than one insurance policy with Allstate, you’re eligible for a multi-policy discount.

Early signing discount: If you’re able to sign your insurance policy paperwork seven days before the effective date, you can qualify for this discount.

FullPay discount: If you’re financially able to pay for your policy up front and in full, you can qualify for this discount.

Smart student discount: If you meet certain requirements, such as keeping a 2.7 GPA or higher, or partake in the teenSMART driver program, you may be eligible for this discount. To qualify, students must be under the age of 25 and not married.

Anti-lock brake discount: Safety can help you score savings. If you have antilock brakes on your vehicle, you may be eligible for this discount.

Anti-theft device discount: Having an anti-theft device in your vehicle can help add extra precautions and can lead to savings with this discount.

EZ pay plan discount: If you set up automatic payments for your car insurance premiums, you can qualify for this discount.

Allstate eSmart discount: If you save on paper, you can save money. Sign up for paperless and get an e-policy instead to score this discount.

Responsible payer discount: If you make payments on time and haven’t had a cancellation notice for nonpayment in the past year, you can qualify for this discount.

Safe-driving club: If you meet certain requirements that are considered part of safe driving, you may qualify for this discount.

Allstate Insurance bundling options

Bundling your insurance policies — having several policies with one insurance provider — is one way to lower the cost of car insurance.

Allstate’s bundling packages include:

Home insurance and auto insurance

Renters insurance and auto insurance

Renters insurance and motorcycle insurance

You may be able to get a discount of up to 25%, though that can vary, when you bundle a home and auto policy, according to the company website.

Allstate customer reviews and ratings

Read reviews from verified Allstate customers.

Good Service but Overpriced

Raised Prices Amidst Economic Changes

Too big and pricey

You have to remind them about the things you need. I shouldn't have to remind them

Allstate has an A+ (Superior) rating with AM Best. The company has 3.8 out of 5 stars for auto insurance on ConsumerAffairs.

Allstate ratings

Here’s how some rating sites rank Allstate:

ConsumerAffairs: 3.8 out of 5 stars

Trustpilot: 1.3 out of 5 stars

Sitejabber: 1.42 out of 5 stars

Allstate vs. other insurance providers

Consumers have a multitude of options to consider when shopping for car insurance. This can be good news, but it also means the market is highly saturated with a lot to wade through. Below, we compare Allstate to other car insurance providers.

Allstate vs. Farmers

Farmers is another auto insurer providing a range of insurance products. Farmers offers some unique additional coverage options compared to Allstate, including customized equipment coverage, spare parts coverage, original equipment manufacturer coverage, and more.

Farmers may have higher rates than Allstate, with an average cost of $247 per month for full coverage and $110 for liability only, based on Insurify data. Allstate has an average of $137 per month for full coverage and $62 per month for liability-only coverage.

Allstate vs. GEICO

GEICO has similar coverage options to Allstate. One optional coverage that’s unique is mechanical breakdown insurance, which can lower the cost of potential repairs. GEICO's national average for full coverage is $118 per month. Its monthly liability average is $54.

Allstate vs. State Farm

State Farm offers insurance products and other financial services. Similar to Allstate, State Farm has bundling options. The company offers most of the same coverage options as Allstate, and both insurers offer rideshare insurance. One difference is that you may be able to get lower rates through State Farm. The company's average monthly cost for liability insurance is $53 per month and for full coverage the average cost is $115 per month (compared to $62 and $137, respectively, for Allstate).

More about Allstate Insurance

Allstate has a long history and has received some awards and recognition over the years. As of 2020, Allstate was named one of Fortune’s World’s Most Admired Companies. In the same year, it was also on Forbes’ list of America’s Best Employers for Diversity.

Allstate pros and cons

It’s important to consider some of Allstate’s pros and cons before settling on a policy.

A+ (Superior) financial strength rating from AM Best

Offers traditional car insurance coverage and pay-per-mile coverage

Many discounts available to lower the cost of coverage

Low customer satisfaction

Average rates compared to other providers

Some policyholders have complained about poor customer service

Filing an auto insurance claim with Allstate

If you get into an accident or have a qualified incident occur, you’ll need to file a claim with Allstate to access your benefits. You’ll need an Allstate account, and you can file a claim with Allstate online or through its mobile app. You can also call and speak to an agent if you prefer filing a claim over the phone.

Allstate Insurance FAQs

Before buying insurance from Allstate, compare your options and get your most common questions answered.

Is Allstate legitimate?

Allstate is a legitimate car insurance provider that’s been around since 1931. It's the fourth-largest U.S. auto insurance by market share, according to the National Association of Insurance Commissioners. The company offers many different insurance products, including auto, home, and life insurance. Though it has mixed consumer reviews, Allstate is a well-known provider in the insurance space, and is available in all 50 states and Washington, D.C.

Is Allstate car insurance worth it?

Allstate car insurance may be worth it for some drivers, as the company is well-established and offers a wide variety of discounts and coverage options.

What is the average cost of Allstate car insurance?

The current national average cost for Allstate is $62 per month for liability insurance and $137 per month for full coverage, based on Insurify data. Compared to other insurance providers, that’s a reasonable rate, with some companies charging more and others less.

Is Allstate good at paying claims?

AM Best gives Allstate an A+ (Superior) financial strength rating, which is used to assess the financial viability of paying claims in a reasonable time frame. Customer reviews regarding getting claims paid can vary.

What is Allstate’s overall customer satisfaction?

Allstate customer satisfaction is relatively low when looking at various review sites. The lowest review comes from Trustpilot, which gives Allstate 1.3 out of 5 stars, and the highest review is from ConsumerAffairs, with 3.8 out of 5 stars. The company's customer satisfaction ratings from J.D. Power are mixed. It ranks better than average for overall customer satisfaction in California, Florida, New York, and New England, but below average in all other regions J.D Power studies.

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Sources

Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.

7+ years in content creation and management

5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Read Editorial Guidelines

Featured in

Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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