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Selecting the best auto insurance policy can be an overwhelming task. To help make this decision a little easier for you, our review team took a close look at Allstate insurance reviews, provider cost, and coverage options. We'll help you decide if you're in good hands with Allstate.

Whenever you shop for car insurance, we recommend getting quotes from providers so you can compare coverage and rates. In addition to the auto insurance company you choose, factors such as your age, vehicle make and model, and driving record can affect your premium, so what’s best for your neighbor might not be best for you.

You can start comparing free, personalized car insurance quotes as soon as you're ready.

In this article:

Our Take On Allstate: 4.0 Stars

We rate Allstate 4.0 out of 5.0 stars and believe the company offers the Best Local Service in 2021. Allstate insurance reviews are mixed, indicating that service quality can vary depending on your agent. So be sure to research your local agent if you’re considering a policy with Allstate.

For those who do find quality local agents, Allstate’s comprehensive coverage, strong financial stability, and mileage-based discount program make it a smart choice for eligible drivers. Allstate has a Superior financial strength rating from AM Best and an A+ from the Better Business Bureau (BBB). The provider posted over $44 billion in revenue in 2020, placing it 72nd on the Fortune 500 list of largest United States corporations by total revenue.

Allstate Auto Insurance Pros Allstate Auto Insurance Cons
Works through a network of local agents to provide coverage Expensive
A+ financial strength rating from AM Best Mixed customer service reviews
Mileage-based discount program

 

 

Overall, Allstate auto insurance offers coverage comparable to many of the other large, national companies. If you enjoy working with a local insurance agent and you’re looking for full coverage, Allstate auto insurance may be right for you.

Quick Facts About Allstate Auto Insurance

  • Unlike some other national car insurance companies, Allstate auto insurance works through a network of local agents to provide coverage.
  • Allstate auto insurance comes with some unique programs and discounts, including the mileage-based program Drivewise®.
  • Although Allstate auto insurance requires you to start your policy with a local agent, you can file insurance claims through Allstate's website or over the phone.
  • Satisfaction with Allstate’s customer service seems to vary based on region.

Allstate Auto Insurance Coverage

Allstate auto insurance offers several products in all 50 states and some parts of Canada. The insurance provider offers the standard types of car insurance, including the following:

In addition to the basic types of coverage mentioned above, Allstate auto insurance offers:

  • Rideshare insurance for those who drive for ride-for-hire services such as Uber or Lyft
  • Classic car insurance for those with antique vehicles, custom builds, and hot rods
  • Mexican travel insurance for policyholders who drive their cars into Mexico
  • Custom parts coverage for those who have installed aftermarket parts or sound equipment

You can also purchase other types of insurance through Allstate, such as renters insurance, homeowners insurance, and life insurance.

Allstate Homeowners Insurance

Allstate customers can save up to 25 percent by building home and auto insurance, according to Allstate’s website. Something must be working because Allstate is the second most popular home insurance provider in the country, according to the National Association of Insurance Commissioners (NAIC). You can get coverage for physical damage, personal property, liability, guest medical protection, and more.

Allstate Life Insurance

Allstate offers a variety of life insurance options, including whole, term, universal, and variable life insurance. Whole, universal, and variable build cash value over time, while term does not. Some car insurance companies offer discounts for bundling home and life insurance, but Allstate doesn’t list a specific discount for this.


Allstate Cost And Discounts

Many factors are used to determine your Allstate car insurance premiums, so it’s difficult to provide specific pricing for every driver. Based on our insurance quote estimate data, Allstate tends to be one of the pricier options for auto insurance. The tables below show annual rate estimate data for several types of drivers. In each case, Allstate is nearly twice as expensive as the least expensive insurer.

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 $2,429
 
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
 

Keep in mind that your rates may vary, and it's worth reaching out to Allstate for personalized car insurance quotes. While the estimates above indicate Allstate is, on average, a pricy insurer, this does not mean some people don’t find big savings with Allstate.

Allstate Insurance Cost By State

The state in which you live can greatly affect what you pay for Allstate insurance. Insurance regulations, state requirements, population density, and average mileage can all affect car insurance costs. Here's how Allstate cost estimates look broken down by state.

State Allstate Annual Cost Estimate State Average Cost Estimate

Alabama

$1,372

$1,448

Alaska

$1,880

$1,287

Arizona

$2,502

$1,625

Arkansas

$2,085

$1,449

California

$2,498

$2,339

Colorado

$2,705

$1,672

Connecticut

$2,298

$1,885

Delaware

$2,942

$1,921

Washington, D.C.

$3,133

$1,787

Florida

$4,314

$2,894

Georgia

$2,133

$1,548

Hawaii

$1,373

$1,238

Idaho

$1,605

$1,089

Illinois

$2,125

$1,474

Indiana

$1,749

$1,087

Iowa

$1,412

$1,095

Kansas

$2,358

$1,364

Kentucky

$2,726

$1,817

Louisiana

$3,344

$3,828

Maine

$1,518

$995

Maryland

$3,413

$1,941

Massachusetts

Data not available

$2,568

Michigan

Data not available

$4,390

Minnesota

$1,851

$1,487

Mississippi

$1,969

$1,357

Missouri

$2,906

$1,741

Montana

$2,306

$2,214

Nebraska

$1,875

$1,372

Nevada

$2,891

$2,332

New Hampshire

$1,581

$1,181

New Jersey

$2,273

$2,108

New Mexico

$2,085

$1,356

New York

$4,548

$3,964

North Carolina

$2,332

$1,277

North Dakota

Data not available

$1,310

Ohio

$1,685

$923

Oklahoma

$1,910

$1,630

Oregon

$1,908

$1,284

Pennsylvania

$2,062

$1,405

Rhode Island

$2,635

$1,923

South Carolina

$1,835

$1,592

South Dakota

Data not available

$1,331

Tennessee

$2,019

$1,217

Texas

$2,766

$2,067

Utah

$1,788

$1,446

Vermont

$1,603

$1,013

Virginia

$1,418

$1,079

Washington

$1,848

$1,271

West Virginia

$2,174

$1,390

Wisconsin

$1,463

$946

Wyoming

$2,306

$1,499

 

Drivewise Program

Allstate’s mileage-based discount program, Drivewise, rewards policyholders based on their drive-time data collected through Allstate's device. Drivers receive a three-percent discount on their Allstate policies just for signing up and remaining active in the program. After 50 trips, drivers can receive up to 15 percent cash back for safe, accident-free driving, with assessments every six months after that, as well as Allstate Rewards® points.

Safe driving habits include staying under 80 miles per hour, avoiding late-night driving, and avoiding hard braking. Check with your local Allstate agent to see if Drivewise is available in your area.

Allstate Auto Insurance Discounts

There are a number of ways to get discounted insurance rates for your Allstate auto insurance, including bundling auto insurance with one of Allstate's other insurance products. Here are some of the discounts available:

  • New car discounts for the first owners of a vehicle
  • Multi-car and multi-policy discounts for customers who bundle home and auto insurance policies
  • Good student discounts for drivers under 25
  • Anti-lock brake and anti-theft device discounts for equipped cars
  • Early signing discounts for policyholders who sign early
  • EZ pay plan discounts for policyholders who use Allstate’s automatic withdrawal feature
  • Allstate eSmart® discounts for policyholders who go paperless
  • FullPay® discounts for customers who pay their full premiums at one time
  • Safe driving discounts for policyholders who meet safe driver requirements

Allstate Insurance Reviews

Allstate insurance reviews on the BBB website rate the company an average of 1.1 out of 5.0 stars. This is a low rating, but it's also common for insurance companies to have low scores. We'll look at a few examples of Allstate insurance reviews in this section.

Allstate Auto Insurance Customer Service

The J.D. Power 2021 U.S. Auto Insurance StudySM ranks Allstate high in some areas of the country but poorly in others. States where Allstate rates especially well are Florida, Idaho, Montana, Oregon, Washington, and Wyoming. However, Allstate performs especially poorly in California.

Allstate Claims Complaints

Allstate has a complaint index of 2.36 from the NAIC. This number indicates that Allstate has a volume of complaints 2.36 times the average for an insurer of its size. Most of these complaints are about Allstate claims customer service.

How Long Does Allstate Take To Settle A Claim?

According to the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM, auto insurance companies take about 10 days to resolve a claim on average. Allstate performed better than average in the study, so Allstate customers may have a faster claims experience on average.

Positive Allstate Insurance Reviews

Many positive Allstate insurance reviews mention quality service agents and a smooth claims process.

"We have always had a good experience with Allstate. Only had to file one claim in the past 10 years or so, but it was fixed and paid for. Staff have been friendly and no complaints!" 

– Marissa G. 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. . . . Highly recommend this insurance for auto." 

– Christy P. via BBB

Negative Allstate Insurance Reviews

"I was involved in an 18-wheeler accident. Truck driver wasn't insured at time of accident, but I have uninsured motorist [insurance]. Allstate did not pay to get my car fixed. I was sideswiped. It was the truck driver's fault ... he received citation for accident. After four months, Allstate has not paid for the repair. It's a bad company. I'm changing insurance. Do not recommend Allstate Auto Insurance." 

– Reymundo S. via BBB

"Please don't get insurance with Allstate. This company is a rip-off. They will increase your rates for no reason over and over." 

– Shv R. via BBB

In terms of legal troubles, the San Diego County District Attorney’s Office filed a lawsuit against Allstate in 2016 for misleading television advertisements. In the complaint, the DA claimed that Allstate promoted an accident forgiveness program that was not available to California auto insurance policyholders. In the court’s final judgment, Allstate did not admit liability but paid $600,000 in penalties and investigative costs.


Allstate Technology/Apps

The Allstate mobile app gives customers access to convenient policy tools. Drivers can use Allstate Mobile to access digital ID cards, pay bills, request roadside assistance, and file claims. The app even lets customers monitor their driving habits and save money with the Allstate Drivewise program.

On the Apple App Store, Allstate Mobile has a rating of 4.8 out of 5.0 stars based on more than 699,000 customer ratings. The app's rating on the Google Play Store is a bit lower, at 3.1 out of 5.0 based on more than 80,000 ratings. Some customers complain that the app loads very slowly when using the Drivewise feature.


Recommended Providers

Anytime you are looking for car insurance, we recommend getting car insurance online quotes from several companies to compare your options for coverage. 

 

When we recently researched the best car insurance providers in the industry, we found Geico and Progressive to be among the top insurers. You can read our Geico vs. Allstate and Progressive vs. Allstate reviews to compare these auto insurers.

Geico: Best Overall

Geico claims that “15 minutes could save you 15 percent or more on car insurance,” and our research determined this is true for some drivers. The provider has an A+ rating with the BBB and an A+ financial strength rating from AM Best. J.D. Power ranked Geico highly in most regions, too.

Unlike Allstate auto insurance, Geico car insurance provides 24/7 customer service through its smartphone app and website. Additionally, Geico has great discounts for federal employees, active-duty military, and safe drivers.

Allstate auto insurance offers several coverage options that Geico doesn’t, including new car replacement coverage. However, if you’re looking for cheap car insurance or a car insurance policy that is easy to navigate without involving a local agent, then Geico may be the best pick for you.

Learn more about coverage in our full Geico auto insurance review.

 

Progressive: Best For High-Risk Drivers

Progressive’s Name Your Price® tool is a huge draw for customers, offering side-by-side quote comparisons so you can easily determine which coverage is best for you. This makes Progressive’s online quote process stand out against other car insurance companies.

Like Allstate auto insurance, Progressive car insurance offers a wide array of coverage options. Both companies provide coverage for custom parts and offer deductible-lowering options for safe drivers. Progressive rates sometimes beat Allstate auto insurance prices, but not always. We recommend obtaining quotes from both insurers to decide which will be most effective for you.

Read more in our complete Progressive auto insurance review.


FAQ: Allstate Auto Insurance

How good is Allstate claims customer service?

Allstate can be expected to reliably meet customer claims obligations, but it may not have the best claims service in the industry. In the most recent J.D. Power U.S. Auto Insurance study, Allstate scored well in Florida and the Northwest. In most other places, it ranked below average. This study measures customer claims satisfaction as well as the billing process, policy offerings, and cost.

How fast does Allstate pay claims?

The speed of your Allstate claims reimbursement depends on which reimbursement method you choose. Allstate's fastest claims payment method works through your debit card to deposit money directly into your bank account and typically takes 24 hours or less. If you choose to be reimbursed by check, this can take 7 to 10 business days.

Does Allstate offer a low-mileage discount?

Yes, Allstate offers a discount for low-mileage drivers. The Drivewise program monitors driving habits and offers discounts for driving less but also for safe driving. Allstate also has a pay-per-mile insurance program called Milewise.

Are Allstate and Progressive the same?

No, Allstate and Progressive are two different insurance companies.


Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services, and telematics are more likely to meet consumer needs

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