Allstate Auto Insurance Review (2023)

What You Should Know About Allstate

Allstate auto insurance has a long history of offering insurance to fit many needs. You can also get many hard-to-find insurance options, such as rideshare and custom parts coverage. However, expect to pay around $160 a month for full coverage auto insurance with Allstate.

Allstate makes it easy for its policyholders to access services and their policies. For example, you can complete your Allstate bill pay online or by phone.

According to J.D. Power, Allstate auto insurance ranks below average but ranks well in other areas. For example, A.M. Best — which ranks companies based on financial stability — gave Allstate an A+ rating. It also received an A+ from the Better Business Bureau.

Keep reading this Allstate auto insurance review to learn more about Allstate auto insurance coverage options, how to get an Allstate auto insurance quote, and how to file an auto insurance claim.

How to File an Allstate Auto Insurance Claim

If you’re in an accident, filing Allstate claims is easy. You can actually file an Allstate auto insurance claim from your Allstate app or online.

If you’d rather speak with someone, call the Allstate auto insurance claims phone number at 1-800-669-2214 or the Allstate auto insurance phone number at 1-800-669-1552. An Allstate auto insurance customer service representative will help you complete your claim quickly.

If you don’t have your Allstate insurance card on you, don’t worry — you can also access your insurance information through the app.

Although Allstate’s claim satisfaction is below average, the Allstate Claim Satisfaction Guarantee means you’ll get your money back. If you think your settlement is too low, Allstate will credit you a portion of the difference — no questions asked. No other insurance company offers this perk, and it’s included for free with standard Allstate policies.

Allstate Insurance Coverage Options

Allstate offers various coverages to fit your needs. In addition to car insurance, Allstate provides coverage for other aspects of life.

Allstate car insurance coverages include:

• Liability auto insurance
• Collision auto insurance
• Comprehensive auto insurance
• Medical payments
• Personal injury protection
• Uninsured/underinsured motorist
• Gap insurance
• Rental car insurance
• Rideshare auto insurance

Allstate also provides other insurance products, including boat, RV, homeowners, renters, and life insurance, but remember that not all coverages are available in all states. Since Allstate offers many coverage options, it’s convenient to use them for all your insurance needs. You should also learn how to save money by bundling insurance policies with Allstate.

Allstate Insurance Rates Breakdown

Allstate offers various insurance coverages, but rates are typically higher than other top insurers. However, many factors affect auto insurance rates, which vary by driver.

One factor affecting your rates is what coverages you choose. More coverage means higher rates, but you’ll have fewer out-of-pocket costs in the long run. Consider coverage options and driving profile when shopping around to find the best Allstate auto insurance rates.

While you only need to carry your state’s minimum auto insurance requirements, experts recommend full coverage to protect your vehicle. Full coverage includes liability, collision, comprehensive, and other coverages required by your state.

The table below shows how Allstate compares to other top insurance companies based on coverage type:

Allstate rates are some of the highest out there. However, coverage isn’t the only thing affecting your auto insurance rates. Keep reading to see how other factors affect Allstate rates.

How Age Affects Allstate Auto Insurance Rates

There are many reasons why auto insurance costs more for young drivers, such as their lack of experience and higher risk for accidents. On the other hand, older drivers are much less likely to be in an accident which costs the insurance company money.

This table shows average auto insurance rates by age and gender:

Allstate charges much higher rates for teens. In fact, a 17-year-old male driver pays more than double their female counterpart. However, rates for other age groups are very similar. Compare average insurance costs by age below to see if Allstate offers the cheapest rates.

Allstate Auto Insurance Rates for Teen Drivers

Teens historically pay the most for coverage, but rates start to drop after they turn 18. For example, Allstate auto insurance for teens is $1,000 to $2,000 more for 16-year-old drivers vs. 18-year-old drivers:

If you're a teen driver or a parent adding a teen to a policy, you won't find affordable coverage with Allstate. Allstate teen insurance rates are on par with the national average, but Geico, State Farm auto insurance, Nationwide auto insurance, and American Family auto insurance all charge thousands less per year.

Allstate Auto Insurance Rates for Senior Drivers

Drivers aged 55 and up pay the lowest rates, but Allstate charges $40 more per month than the national average:

Allstate auto insurance for seniors is cheaper with Geico auto insurance and State Farm than at Allstate. Another way to save for senior drivers is to be well-informed when they're shopping for auto insurance.

How Driving Record Affects Allstate Auto Insurance Rates

Your driving record is the most significant factor determining your car insurance rates. Drivers with a bad driving record will see higher auto insurance rates.

This table shows average Allstate rates based on driving records compared to other companies:

You'll likely pay too much with Allstate if you need high-risk auto insurance. Each company charges more after a traffic violation, but USAA auto insurance and State Farm are less likely to increase your rates as much. Keep reading how Allstate compares to other companies after accidents or a DUI to see if it's the most affordable option for you.

Allstate Auto Insurance Rates After an Accident

An at-fault accident will increase your insurance rates. The average Allstate rates after an accident are around $75 more per month, which is more expensive than other major insurers:

USAA and State Farm only charge around $16 more per month after an accident, so shop around and compare quotes before you buy from Allstate.

Allstate Insurance Rates After a DUI

Although rates increase with Allstate if you have a ticket or accident on your record, they almost double with a DUI. See how DUI auto insurance rates compare with the average Allstate rates below:

You can expect much more expensive Allstate auto insurance quotes if you have multiple DUIs.

How Credit Score Affects Allstate Auto Insurance Rates

You may not know that your credit score affects Allstate car insurance quotes in most states. While some states don’t allow insurance companies to consider your credit when determining your rates, most states allow it.

Insurance companies believe drivers with lower credit are more likely to file a claim. On the other hand, drivers with a higher credit score are more likely to pay for damages out of pocket and avoid filing a claim.

This table shows how your credit score affects Allstate car insurance rates.

Drivers with poor credit pay almost double for Allstate coverage. Improve your credit score to keep your Allstate rates low. You can also shop around for the best auto insurance companies that don't check credit.

Allstate Discounts Available

While Allstate has higher-than-average rates, there are ways to save money with the lowest rates possible.

First, always take advantage of auto insurance discounts. Allstate offers various discounts based on the driver, policy, and vehicle. Bundle all your eligible Allstate auto insurance discounts to get the most significant savings.

This table shows Allstate auto insurance discounts. If the savings amount is known, it’s listed:

Allstate is known for offering more discounts than other companies, but not all Allstate auto insurance discounts will be available where you live. Other restrictions may also apply, including age and mileage limits.

Allstate Auto Insurance Reward Programs

If you don’t qualify for as many discounts as you’d like, Allstate other rewards and programs can help you save. You may be eligible for multiple ways to save money.

Ways to save with Allstate include:

• Accident forgiveness: Accident forgiveness allows you to skip a rate increase after an accident. Read more about the best accident forgiveness auto insurance companies.
• Safe driving bonus: Drivers receive a check every six months with no accidents.
• New car replacement: Allstate offers your vehicle’s replacement value if it gets totaled and is less than two years old.
• Deductible rewards: Drivers receive lower auto insurance deductibles each year they keep a clean driving record.

Remember that some programs, such as accident forgiveness, require you to enroll and pay in advance.

Drivers may also consider participating in Allstate Drivewise, a telematics program offering a discount based on how you drive. Drivewise monitors certain driving habits — such as speed and the time of day you drive — and offers a discount for safe driving.

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— AutoInsurance.org (@AutoInsurance) June 3, 2023

Finally, low-mileage drivers may consider switching to Milewise from Allstate. Milewise offers usage-based insurance allowing drivers to pay per mile. Typically, rates are much lower than traditional coverage.