Allstate is a pretty good insurance company, earning a rating of 3.2/5 from WalletHub editors, good customer reviews, and above-average ratings from organizations such as the Better Business Bureau (BBB) and J.D. Power. Allstate is perhaps best known for its auto insurance policies, but the company also offers coverage for your home, business, special events and more.
Allstate car insurance should be at the top of the list for experienced drivers with clean driving records, especially those looking to bundle multiple insurance products with one company. However, individuals who have just started driving or who have poor driving records might want to look elsewhere, due to higher premium costs for these drivers than from some of Allstate’s top competitors.
Allstate Ratings & Reviews
- Reviews on WalletHub: 3.3/5
- J.D. Power: 4.1/5
- NAIC: 2.02
- BBB: A+
- A.M. Best: A+
- Standard & Poor’s: A-
- Moody’s: A3
In terms of financial strength, Allstate has received an A+ (Superior) rating from A.M. Best, a leading credit rating agency for the insurance industry. Customer reviews online are a mixed bag of positive and negative comments about Allstate’s customer service, however. Plus, Allstate’s NAIC rating is 2.02, which means it has received more complaints than the average car insurance provider. Allstate lost points in this category as a result.
Allstate Car Insurance Quotes
|Driver Profile||Average Quote|
|18-Year-Old||$211 / month|
|21-Year-Old||$107 / month|
|45-Year-Old||$79 / month|
|45-Year-Old with a Speeding Ticket||$111 / month|
|45-Year-Old with a DUI||$240 / month|
|55-Year-Old||$78 / month|
|65-Year-Old||$78 / month|
Allstate is among the more expensive options when it comes to auto insurance rates. Allstate received a score of 10/30 in the cost portion of this review, as its premiums rank in the third quartile among the cheapest major car insurance companies that WalletHub evaluated. Learn more about WalletHub’s Methodology.
Allstate's Types of Insurance
- Auto insurance
- Homeowners insurance
- Condo insurance
- Renters insurance
- Boat/recreational vehicle insurance
- Small business insurance
- Life Insurance
- Pet Insurance
- Special event insurance
Allstate scored well in this category given the broad range of insurance options it offers, not to mention the availability of savings for bundling multiple policies. Below, we’ll look more into how Allstate measures up when it comes to car insurance, as that’s its most popular type of coverage.
For starters, Allstate auto insurance offers all the standard coverage options that drivers would expect: bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, and comprehensive. Auto insurance policies from Allstate also include several complimentary built-in benefits. For instance, the Claim Satisfaction Guarantee gives you a credit on your premium if you’re not happy with your claim service experience, and Allstate maintains a network of preferred auto repair shops to help ensure policyholders receive quality repairs. Allstate policyholders also have the chance to earn reward points for safe driving through the Allstate Rewards® program.
Allstate customers can further customize their auto policies with supplemental options that provide enhanced protections and benefits.
Supplemental Allstate Car Insurance Coverage Options:
- Emergency Road Service: Covers towing, tire repairs, jump starts, locksmith services, and fuel delivery. Policyholders who choose not to add this coverage can still call for roadside help through the Good Hands Rescue app – a pay-per-use service. Customers can also upgrade their roadside coverage to the Allstate Motor Club, which features exclusive benefits such as travel discounts, trip interruption protection, retail savings, legal defense and more.
- Rental Reimbursement: Covers the cost of a rental car if your vehicle is in the repair shop due to an accident.
- Accident Forgiveness: Protects you from a rate increase after an at-fault accident.
- Safe Driving Bonus®: Gives customers a check from Allstate for every six months they remain accident-free. Allstate will also take $100 off your collision deductible when you add this feature to your policy.
- Deductible Rewards®: Helps to reduce your deductible by $100 each year (up to $500) that you remain accident-free. Receive a $100 credit off your deductible instantly when you sign up for this benefit.
- New Car Replacement: Allstate will replace your new car (less than 2 model years old) if you completely total it in an accident.
- Sound System Insurance: Covers the cost of audio equipment in the vehicle in the event of an accident or theft.
The availability and details of the coverage/benefit options listed above vary by state. If you’re not sure how much coverage you need, Allstate’s Bumper-to-Bumper Basics® tool can help give you an idea of what coverage levels would be best for you.
Specialty Types of Allstate Car Insurance Policies:
- Allstate Milewise Insurance for the occasional driver seeking a more budget-friendly insurance policy. This pay-per-mile option allows drivers to purchase insurance based on how much they drive on a daily basis. Your rate comprises two components: a base rate (which is calculated by factoring in your age, vehicle type and driving history) and a miles-driven rate.
Milewise is only available in the District of Columbia and the following states: Delaware, Idaho, Illinois, Indiana, Maryland, New Jersey, Ohio, Oregon, Texas, Virginia, Washington, and West Virginia.
- Classic Car Insurance for owners of race cars, antique tractors, old military vehicles, and other classic/collector vehicles. The classic car insurance policy is offered by a third-party provider, Hagerty Insurance Agency.
- Allstate Ride for Hire® Insurance for extra protection on your personal auto policy that costs as little as $15-20 per year. It’s designed to cover any gaps in your personal policy while you’re driving for a personal transportation company. Allstate’s rideshare insurance is not available in all states.
- Allstate Mexico Tourist Auto Insurance for covering liability, medical payments, collision damage and more while you’re driving in Mexico. Allstate partners with a third-party provider to offer this coverage, and drivers must have a valid U.S. license and be at least 21 years old. Younger drivers may be subject to an additional service fee.
Allstate also offers insurance policies for motorcycles, boats, motorhomes, snowmobiles, and ATVs.
- Multi-policy discount
- New vehicle discount
- Premier discount (3-year clean driving record)
- Anti-lock brake discount
- Anti-theft discount
- Passive restraint discount
- Good student discount
- Easy Pay Plan® discount
- Allstate eSmart® discount
- FullPay® discount
- Early Signing®
- Responsible Payer
- Safe Driving Club
- Claim-free homeowners discount
- Protective device discounts
- Early signing discount
- Welcome & loyalty discount
- Home buyer discount
- 55 and retired discount
- Smoke-free home discount
- Storm shutter discount
- Hail-resistant roof discount
While Allstate offers quite a few discounts, the list isn’t as extensive as some of its top competitors’ discount offerings, especially in terms of auto insurance discounts. Allstate received an average score in this category as a result. Also, it’s worth noting that the availability and eligibility criteria for these discounts vary by state.
With Allstate, you can file a claim anytime online or through the company’s mobile app. Or, you can call the 24/7 claims support phone number – (877) 810-2920 – if you need help navigating the process. This accessibility has earned Allstate the highest score possible in this category, per WalletHub’s grading criteria.
Unfortunately, key information is not as easy to find on the Allstate website as it is for other major insurance providers. Allstate receives a low score in the transparency department as a result. Nevertheless, you can call a live customer service representative 24/7 at 800-ALLSTATE (800-255-7828) to get answers to your questions.
Allstate is a pretty good insurance company overall, especially for customers who feel comfortable managing their claims themselves on the company’s website or mobile app. Allstate also has 24/7 claims support by phone, as well as a nationwide network of agents, so you’re just a call away from getting the help you need with your insurance policy.
All in all, Allstate scores well in terms of customer service, coverage options and claims processing. However, it could make improvements in the discounts and transparency departments.
Summary: Allstate Scores by Review Category
|Customer Service & Reviews||20/30|
|Types of Insurance and Additional Service Offered||5/5|
Now that you’re familiar with Allstate’s scores in each of our review categories, let’s see how the company compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.
Allstate vs. Competitors
|Average Annual Premium*||$1,433||$1,060||$1,337||$985|
|Number of Car Insurance Discounts||11||16||11||13|
|Offers Home Insurance||Yes||Yes||Yes||Yes|
|Complaints Score (lower is best)||2.02||1.34||1.28||1.33|
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare. Learn more about how these rates were calculated in the methodology section below.
In order to provide fair, helpful reviews of insurance companies such as Allstate that can lead consumers to the best insurance coverage for their needs, WalletHub rates each insurance company in seven major categories: Cost, Insurance Types, Customer Service & Reviews, Discounts, Claims, Financial Stability and Transparency. Below, you can find an overview of what each section in our scoring rubric entails.
- The “Cost” section includes information about how expensive the insurance policies are. Allstate average premiums and quartile rankings are based on data from California, the largest state Allstate operates in. Rate information is provided by Quadrant Information Services. Individual rates will be different.
- The “Insurance Types” section examines what types of insurance policies the company offers.
- The “Customer Service & Reviews” section measures the insurance company’s reputation as well user reviews and information from watchdog organizations.
- The “Discounts” section examines how many and what types of discounts the company offers. It also takes into consideration whether or not there are discounts for bundling policies.
- The “Claims” section examines the ways in which customers can make claims with the policy. It considers whether or not customers can make claims by phone or online, as well as whether or not the company has a 24/7 support line.
- The “Financial Stability” section considers the company’s status with credit rating agencies A.M. Best, S&P and Moody’s.
- The “Transparency” section measures how clearly the insurer discloses key information on its website.
The final score takes these seven categories into account and reflects how close an insurance company is to WalletHub’s definition of a 5-star insurer. For more information, please read WalletHub’s full insurance company methodology.
Ask The Experts
To gain more insight about Allstate Car Insurance, WalletHub posed the following questions to a panel of experts. Click on the experts below to view their bios and answers.
1. How important should Allstate Insurance reviews be to potential customers?
2. Why do insurance companies like Allstate spend so much money on commercials?
3. Do national companies like Allstate tend to be a better deal for consumers vs a local insurance company?