Allstate Auto Insurance Review (2022)

Is Allstate a Good Choice?

How does Allstate insurance stack up?

Allstate has a long history of offering insurance to fit many needs. In addition to auto insurance, drivers can add coverage for their home, life, and recreational vehicles like boats, RVs, and snowmobiles. 

You can also get many hard-to-find insurance options, such as rideshare and custom parts coverage.

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.

However, Allstate customer service and claims satisfaction ratings leave much to be desired. According to J.D. Power, Allstate ranks below average, but the company 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.

Some pros of Allstate coverage include multiple coverage options, various discounts, and additional savings programs. On the other hand, cons include average customer service ratings and high rates.

How do you file an Allstate claim?

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

If you’d rather speak with someone, call the Allstate claims phone number at 1-800-669-2214 or the Allstate customer service phone number at 1-800-669-1552. A 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 Rates

How much is Allstate auto insurance?

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.

While most states require a minimum amount of liability coverage, 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 does age affect Allstate car insurance?

It’s no surprise that your age affects auto insurance rates. Younger drivers see much higher insurance rates because they lack experience. On the other hand, older drivers are much less likely to be in an accident and cost the insurance company money.

This table shows Allstate car insurance rates based on age.

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 Insurance Rates for Teen Drivers

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

If you are 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, Nationwide, and American Family all charge thousands less per year.

Allstate 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:

Senior drivers will get cheaper insurance quotes with GEICO and State Farm than at Allstate.

How does your driving record affect Allstate car insurance?

Your driving record is the most significant factor determining your car insurance rates. Your record indicates whether you're risky to insure, so drivers more likely to be in an accident see higher 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're a high-risk driver. Each company charges more after a traffic violation, but USAA 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 Insurance Rates After an Accident

At-fault accidents are guaranteed to 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 insurance rates compare with the average Allstate rates below:

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

Does your credit score affect Allstate car insurance?

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.

Allstate Discounts Available

What auto insurance discounts are available with Allstate?

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

First, take advantage of discounts. Allstate offers various discounts based on the driver, policy, and vehicle. Bundle all your eligible 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 discounts will be available where you live. Other restrictions may also apply, including age and mileage limits. 

Does Allstate offer other 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.

• 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 2 years old.
• Deductible rewards. Drivers receive lower 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.

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.

Allstate Coverage Options

What coverages are available from the Allstate insurance company?

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

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. Bundling multiple policies also earns you a discount.