Allstate Auto Insurance Review (2023)
Allstate auto insurance is available in all 50 states, but rates are typically higher than average. Your age, driving record, and type of coverage you need are all considered.
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UPDATED: Dec 16, 2022
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 16, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Allstate
Average monthly rate for good drivers:
$166A.M. Best rating:
A+Complaint level:
LowPros
- Multiple coverage options
- Various discounts
- Additional savings programs
Cons
- Lower than average customer service ratings
- Higher than average auto insurance rates
The Bottom Line
Allstate has been in business for over 90 years and is one of the top insurance companies in the nation. The company offers reliable service and many insurance options to fit your needs.
While Allstate has high financial ratings, customer service satisfaction is at or below average. Allstate also has one of the highest auto insurance rates.
Allstate might not be suitable if you’re looking for a company with cheap car insurance rates and excellent customer service. However, Allstate could be a good fit if you’re looking for specialty insurance, such as rideshare coverage, or want to bundle multiple insurance types.
When comparing Allstate auto insurance quotes, consider a variety of auto insurance discounts and other savings programs, like Allstate Drivewise and accident forgiveness. These features could make Allstate the right insurance company for you.
Allstate is one of the top insurance companies in the country, offering various insurance options like auto, homeowners, renters, boat, and RV insurance.
However, Allstate has some of the highest rates for auto insurance and ranks at or below average for its customer service and claims satisfaction.
Allstate may be a great fit if you’re looking for multiple insurance policies. Drivers can bundle multiple policies to take advantage of auto insurance discounts, and the company also offers savings programs like Drivewise and accident forgiveness.
Keep reading our Allstate auto insurance review to decide if Allstate is the right insurance company for you.
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 which costs the insurance company money.
This table shows average car insurance rates based on age and gender.
Demograhphics | Allstate | Farmers | Geico | Progressive | State Farm |
---|---|---|---|---|---|
30 y/o Male | $176.50 | $160.42 | $86.75 | $136.08 | $102.83 |
30 y/o Female | $168.42 | $153.58 | $89.83 | $130.75 | $93.50 |
45 y/o Male | $159.92 | $132.92 | $80.17 | $105.08 | $86.00 |
45 y/o Female | $161.75 | $133.50 | $79.83 | $111.67 | $86.00 |
55 y/o Male | $151.67 | $126.08 | $76.00 | $99.67 | $81.50 |
55 y/o Female | $153.42 | $126.58 | $75.75 | $105.92 | $81.50 |
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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. Another way to save for senior drivers is to be well-informed when they're shopping for auto insurance.
How does your driving record affect Allstate car insurance?
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'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
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 $16 more per month after an accident, so shop around and compare quotes before you buy from Allstate.
Allstate Insurance Rates After a DUI
Although rates increase with Allstate if you have a ticket or accident on your record, they almost double with a DUI. See how DUI auto insurance rates compare with the average Allstate rates below:
You can expect much more expensive Allstate auto insurance quotes if you have multiple DUIs.
Does your credit score affect Allstate car insurance?
You may not know that your credit score affects Allstate car insurance quotes in most states. While some states don’t allow insurance companies to consider your credit when determining your rates, most states allow it.
Insurance companies believe drivers with lower credit are more likely to file a claim. On the other hand, drivers with a higher credit score are more likely to pay for damages out of pocket and avoid filing a claim.
This table shows how your credit score affects Allstate car insurance rates.
Drivers with poor credit pay almost double for Allstate coverage. Improve your credit score to keep your Allstate rates low.
(Read: Best Auto Insurance Companies That Don't Check Credit)
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Allstate Discounts Available
What auto insurance discounts are available with Allstate?
While Allstate has higher-than-average rates, there are ways to save money with the lowest rates possible.
First, always take advantage of car insurance discounts. Allstate offers various discounts based on the driver, policy, and vehicle. Bundle all your eligible discounts to get the most significant savings.
This table shows Allstate auto insurance discounts. If the savings amount is known, it’s listed.
Vehicle-Based Discounts | Driver-Based Discounts | Policy-Based Discounts |
---|---|---|
Anti-Lock Brakes - up to 10% | Defensive Driver Course - up to 10% | Claim-Free - up to 35% |
Anti-Theft Devices - up to 10$ | Distant Student/Student Away at School - up to 35% | Continuous Coverage Discount |
Daytime Running Lights - up to 2% | Driver's Education Course - up to 10% | Full Payment - up to 10% |
Electronic Stability Control - 2% | Early Signing - up to 10% | Multi-Policy - up to 25% |
Farm Vehicle - up to 10% | Good Student - up to 20% | On-Time Payment |
Green Vehicle - up to 10% | Low-Mileage Discount | Paperless Billing/Paperless Documents - 5% |
New Vehicle - up to 30% | Military Discount | |
Passive Restraint Discount | Occupation Discount | |
Utility Vehicle - up to 15% | Safe Driver - earn up to $500 off your collision deductible | |
Vehicle Recovery Tracking Systems | Senior Driver - up to 10% | |
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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.
Frequently Asked Questions
How do you file an Allstate auto insurance claim?
Allstate makes it easy to file an insurance claim by offering you several ways to start the process. File your claim through the Allstate app, website, or by calling 1-800-255-7828.
The easiest way to start your claim is through the Allstate app. Not only can you file a claim, but you can also upload pictures of the damage.
How fast does Allstate pay claims?
Allstate offers a claims satisfaction guarantee for free with all policies. So, if you’re unhappy with your settlement, Allstate credits a portion back to you.
However, Allstate claims satisfaction is below average according to J.D. Power, which rates companies on customer satisfaction.
Is Allstate a good insurance company?
Allstate offers multiple insurance options, but rates are higher than average. In addition, the company scores at or below average in satisfaction for claims, customer service, and loyalty.
Who should consider Allstate auto insurance?
Allstate is one of the top insurance companies in the country and offers insurance products that let drivers bundle policies, such as auto, home, and RV coverage. It’s a good fit for drivers looking for multiple policies.
However, drivers looking for excellent customer service and low rates probably won’t find what they’re looking for with Allstate.
How do you get an Allstate auto insurance quote?
Get Allstate quotes online or through a local agent. You’ll need your personal and vehicle information. Knowing what kind of coverage you want on your policy is also a good idea.
How do you contact Allstate?
There are multiple ways to contact Allstate to meet your needs.
Contact Allstate through:
- Website www.allstate.com
- Phone 1-800-255-7828
- Mail 2775 Sanders Rd., Northbrook, IL 60062
- Twitter @Allstate
- Local agent
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Keith_G__
As Discriminatory As You Can Possibly Get
brenda_trammell
RUDE CUSTOMER SERVICE AND SCAMMERS!!!
Akiraw1_
The worst insurance ever
pirish101
Way overpriced! Will scam you if you cancel!
Carolyn0022
Untrained and Ignorant CS Team and Managers
Allstate_Sucks_in_CA
Allstate SUCKS
Shaytys50_
Unprofessional Agent
rickcf
Need to watch them and Drivewise is a scam.
FedUpandInformed
Bizarre "Corporate/Underwriter Policies"
tofushiz
All in doodoo hands