Learn more about the company’s coverage and claims process through Allstate insurance reviews.

 
 

Selecting an auto insurance policy can definitely be an overwhelming task. To help make this decision a little easier, our review team took a close look at Allstate insurance reviews and coverage options. We'll see whether or not you're in good hands with Allstate.

Whenever you shop for car insurance, we recommend getting quotes from multiple 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.

Use our tool above or call (855) 518-0148 to start comparing free, personalized car insurance quotes.

In this article:

 


 

An Overview Of Allstate Auto Insurance

Since 1931, Allstate has been protecting drivers with insurance policies. Now one of the largest publicly held personal property and casualty insurance companies in the United States, Allstate serves more than 16 million American households.

Allstate has a Superior financial strength rating with AM Best and an A+ rating with the Better Business Bureau (BBB). The provider posted over $23 billion in revenue in 2019, making it 72nd on the Fortune 500 list of largest U.S. corporations by total revenue. Allstate’s corporate headquarters are housed near Northbrook, Illinois, but the company’s focus on local insurance agents across the country allows it to customize plans for each Allstate customer. Agents can cater to solutions specifically to the communities they serve.

Allstate offers the following insurance products:

Auto insurance Boat insurance

Business insurance

Condo insurance

Event insurance

Flood insurance Homeowners insurance

Identify theft protection

Landlord insurance

Life insurance

Motorcycle insurance Pet insurance

Power sports insurance

Renters insurance

Retirement and investments

Travel insurance Umbrella insurance

 

 

 

 

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 claims online or over the phone.
  • Satisfaction with Allstate’s customer service seems to vary based on region.
 
 

 


 

Allstate Auto Insurance Plans

Allstate auto insurance offers a vast range of insurance products in all 50 states and some parts of Canada. The insurance provider has a full selection of standard types of car insurance options, including liability auto insurance, comprehensive insurance, collision, uninsured motorist, personal injury protection, and medical payments. 

In addition to these basic types of coverage, Allstate auto insurance offers:

  • Rideshare insurance for those who drive for ride-for-hire services like 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.

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 policy 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.

  • New car discounts for the first owners of a vehicle
  • Multi-car and multiple-policy discounts for customers who bundle home and auto insurance policies
  • Good student discounts for drivers under 25
  • Anti-lock brake and anti-theft 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 premium at one time
  • Safe driving discounts for policyholders who meet safe driver requirements

 


 

How Much Does Allstate Auto Insurance Cost?

Since so many factors determine your exact car insurance premiums, it’s difficult to provide specific pricing. With that being said, U.S. News & World Report recently reviewed Allstate auto insurance and determined that the provider had more expensive premiums on average than competitors like USAA, Geico, State Farm, and Progressive.

The study showed the following annual premium estimates for Allstate auto insurance:

Age and Marital Status Male Female
25 and single $1,991.16 $1,908.47
35 and married $1,742.19 $1,760.38
60 and married $1,676.41 $1,629.81
 

 


 

Allstate Insurance Reviews And Ratings

Customer satisfaction reviews can just as much reflect agents as they can the company as a whole, but industry experts look at the overall experience. J.D. Power’s 2019 U.S. Auto Insurance Study gave Allstate high rankings in regions including New England and the central United States, however, it only received a score of 2 out of 5 in the southeast in general and the mid-Atlantic. In the 2020 JD Power Study, Allstate auto insurance was the highest-ranked provider for Florida auto insurance.

In other Allstate auto insurance reviews, the BBB gives the provider an A+ rating. As with any insurance company, there are some complaints logged. 

Positive Allstate Insurance Reviews

"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 it all state 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, I have uninsured motorist. Allstate did not pay to get my car fixed. I was sideswiped. It was truck drivers fault - he received citation for accident. After 4 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.

 


 

How Allstate Auto Insurance Works

Since Allstate auto insurance works through a network of local agents, you’ll find that you must utilize your agent to complete most of your car insurance needs, from starting a new policy to changing policy details. While some may consider this burdensome, many like the personalized customer service they receive by doing things this way.

Quotes

When buying Allstate auto insurance, you can start the quote process online. However, you’ll need to finalize the estimate with an agent, so some customers prefer to call an agent directly to complete the process all at once.

To see how your Allstate auto insurance quote compares to other insurance companies, you can call our team at (855) 518-0148 or use the tool below:

 
 

Claims

Allstate insurance tries to make the claims process easy for customers. You can file a claim 24/7 through the website, mobile app, or claims hotline. You can also contact your agent to start the claims process if you’d prefer.

Once you file a claim, an Allstate agent or claims specialist will recommend that you take your car to a repair facility to receive an estimate. Then your adjuster will discuss your options based on your policy provisions, terms, and coverage. Your Allstate auto insurance will likely pay the repair shop directly after repairs are completed, meaning you never have to worry about financial obligations during the entire claims process.

You can check the status of your claims anytime on the Allstate website, by phone, or by contacting your agent.

 


 

Our Allstate Insurance Review: 4.0 Stars

We rated Allstate a 4.0 out of 5.0 stars and named it the Best Local Service in 2021. Its network of local agents, nationwide availability, mileage-based discount program, and A++ rating from AM Best make it a smart choice for eligible drivers.

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

Pros Cons
Works through a network of local agents to provide coverage Expensive
Superior financial strength rating by AM Best and an A+ rating with the BBB Mixed customer service reviews
Mileage-based discount program

 

 

 

 

 


 

Top Recommendations For Auto Insurance

Anytime you are looking for car insurance, we recommend getting car insurance online quotes from several companies to compare your options for coverage. The tool below can help with that comparison. You can also call our team at (855) 518-0148 for free quotes seven days a week.

 

When we recently researched the best car insurance providers in the industry, we found Geico and Progressive to be among the best. You can also read our Allstate vs State Farm comparison article.

Geico Insurance logo

Geico: Best Overall

Geico claims that “15 minutes could save you 15 percent or more on car insurance,” and our research determined that this is true for some drivers. Geico’s industry ratings speak for themselves. The provider has an A+ rating with the BBB and an A++ rating in financial strength 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 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 review of Geico.

 

Progressive Insurance logo

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 insurance review.

 

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