Allstate

2,552 Reviews

Allstate is one of the largest insurance companies in the U.S. The company was founded in 1931, and it now serves more than 16 million households across the country. Here are a few other key things to know about Allstate:

2.9 / 5 rating from WalletHub editors
2.9 / 5 average rating among users. Read reviews.
A+ rating from the Better Business Bureau
Offers auto insurance, life insurance, home insurance, and more

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Allstate Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/23/2023.

2.9

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WalletHub
January 19, 2023 • @WalletHub

editor's review

Allstate Insurance Review

Allstate is rated 2.9/5 by WalletHub’s editors, based on sample insurance quotes, reviews from customers, and has earned an A+ rating from the Better Business Bureau (BBB). Allstate customer reviews tend to focus on good service with some problems receiving claims payments. Allstate does have an NAIC rating of 2.70 which means Allstate receives more complaints than the average car insurance provider, adjusted for size.

Allstate Auto Insurance Ratings

Reviews on WalletHub: 2.9/5
J.D. Power: 4.1/5
NAIC: 2.70
BBB: A+
AM Best: A+
S&P: Aa-
Moody’s: Aa3

Allstate Auto Insurance Review Highlights

Rank– Third quartile among major car insurance companies, according to WalletHub's research.

Top Discounts - Drivewise® (up to 15%), new car (up to 15%), Early Signing® (up to 10%), and safe driving.

Basic Coverage Options - Bodily injury liability, property damage liability, medical payments, personal injury protection, comprehensive, collision, and uninsured/underinsured motorist.

Special Coverage Options - Accident forgiveness, new car replacement, sound system protection, and Deductible Rewards® (which helps reduce your deductible over time).

Specialty Auto Insurance - Ride for Hire® (ridesharing), Milewise (pay-per-mile), Mexico auto, and classic car.

Complimentary Benefits - Claim satisfaction guarantee and Allstate Rewards® for safe driving.

To help drivers better understand how much Allstate's car insurance costs, WalletHub’s editors obtained sample quotes for a total of six driver profiles, which are fairly representative of drivers across the U.S. You can learn more about them in the Methodology section of our full Allstate Insurance Review.

Allstate Auto Insurance Quotes

Driver Profile	Average Quote
18-Year-Old	$183 per month
21-Year-Old	$89 per month
45-Year-Old	$65 per month
45-Year-Old with a Speeding Ticket	$92 per month
45-Year-Old with DUI	$193 per month
55-Year-Old	$66 per month
65-Year-Old	$67 per month

Premiums from Allstate are slightly higher than their top competitors, as the company ranks in the third quartile in WalletHub’s price ranking study.

Overall, if you can choose to go with Allstate for car insurance, you will be in good hands, thanks to their 24/7 claims service, solid coverage options and nationwide network of agents.

Allstate Home Insurance Review Highlights

Allstate offers homeowners, renters and landlord insurance options, along with discounts for bundling with other Allstate insurance policies. Depending on where you live, Allstate homeowners insurance policies may cover damage caused by acts of nature, fire, theft, frozen plumbing, falling objects and other risks.

Renters insurance from Allstate protects your personal property and costs as low as $4 a month when you add it to your Allstate car insurance policy. Allstate also offers additional discounts for renters, like the Safe Home discount, which saves renters up to 15% if their rental is equipped with qualifying safety services/devices.

For landlords, Allstate insurance policies cover repair costs for the dwellings they rent out, as well as garages, sheds, decks and other structures located on their rental properties. Allstate also offers vandalism-and-burglary coverage, plus financial protection in case a landlord gets sued after an accident or another loss occurs on the rental property.

Overall, Allstate offers homeowners, renters and landlords dependable insurance policies that don’t cost a fortune.

Bottom Line: Is Allstate a Good Insurance Company?

Allstate is a very good insurance company overall and one of the best for auto insurance. WalletHub’s editors give Allstate a rating of 2.9/5 due to its wide variety of coverage options, generous discounts and nationwide availability. However, Allstate still has room to improve when it comes to pricing and customer service.

To learn more, check out WalletHub’s complete Allstate Insurance Review. You can also read some of the reviews from fellow consumers below.

Product: Allstate Car Insurance

Comment

Avery White
February 15, 2022 • @Telemachus1947

I was very disappointed with the customer service at Allstate Insurance. I was assigned to the Bravo agency in south Florida. I initially thought it would be a good match. My original agent helped me to change over from Geico and I thought it would be a good relationship. Unfortunately, that agent moved on and I was given an incompetent agent who told me about a mile wise program that would cut my bill in half because my spouse and I drive so sparingly. I am retired and my spouse works from home. This new agent kept me on the phone for an hour taking all the necessary information, but when it came time to sign, he was unable to complete the transaction. It seemed that for this program, I had to sign online for the new policy to take effect. After several tries, I offered to come into the office to sign, but he said that was not possible. Apparently, all transactions must be done online. He said there was something wrong with my email address. I told him that I had no problems receiving policy and billing information from Allstate via email. He transferred me over to the manager of the office and this manager assured me that everything would be taken care of and I would be able to complete the online application. Well, he didn't get back to me, and I had trouble getting any kind of an answer. Subsequently, I had to keep the more expensive policy for the rest of the next six months of the policy until renewal in March. I tried again in January to sign over to the new money saving mile wise program, but again they claimed that they were unable to complete the application because of my email issues. Shortly after that, I received a billing for the 6 month renewal, which had increased. At that point, I enrolled in Progressive, which was half the cost of Allstate for 6 months, and promptly cancelled the Allstate policy. I have never seen such incompetence in an insurance agency. It seems as if they don't want your business and can't be bothered to service your account after you are locked into another 6 month's premium. My advice: Don't bother with Allstate. You don't want to be in their hands, good or bad. I have a flood insurance with them that I will probably cancel as well.

Comment

waynekidd1950
April 18, 2022 • @waynekidd1950

@Telemachus1947 I simply do not understand Allstate at all.I was issued a refund check and after 2 months they wanted it back.I ended up paying double for one service.I was told that if didn’t ‘t return the check they would report me to a collection and my insurance was canceled.I called and was told not to worry everything was alright.Then I received a 3rd notice for same reason. Now,04/18/22 I was informed that my insurance was canceled ,no reason given.I called and was told that headquarters was reworking everything and not to worry!My agent is Todd Darruah in Greenwood,SC.Very defensive!!!Says all this is my fault!!! This all started the 1st of December,2021.Still going on even today Now I just found out that Allstate has sold their company to a non insurance company.Feeling really,really bad now!!!

Comment

Jaspal Singh
September 23, 2023 • @Jaspal_saluja82

Pathetic after sales support. My car was hit by someone. After asking for claim they suggested me to a body shop (G & C Autobody Fremont) which fixed my car as laymen. After 4 months of waiting i got my poorly fixed car. When i asked them that i want to get it fixed by honda, they instead send me to a bodyshop which did not repaired it properly. Even after talking to adjuster no outcome was there. They are unable to get it fixed upto the mark. It been four months already i have been doing follow up but no outcome. After this experience i would suggest everyone not to take any insurance from allstate.Even the adjuster closed my case even though i din't get satisfactory results.

Product: Allstate Car Insurance

Comment

gwendolyn
September 21, 2023 • @gwendolynj

allstate raised my ato rates because i own 2 hyundais not the ones who are easily stolen both of my cars have push button start and those cars are not the ones that are easily stolen allstate has unfairly raised my rates i sent an email to their ceo and he did not have the decency to even reply

Product: Allstate Car Insurance

Comment

ashbash_ala
September 19, 2023 • @ashbash_ala

I had been with Allstate since I was 16. Through the years when I had issues, everyone was friendly, but no one ever had the same answer to questions regarding rental insurance, repairs, and coverage. Recently, I discovered that I qualified for 3 discounts that Allstate never mentioned. In hindsight, I shouldn't have trusted that they would do much to help where money is concerned. But when I asked for a discount, they only offered 1 and said it would need to go through an approval process. So, I switched to another company that charges half the amount of Allstate. Now, of course, I owe them for a full month of auto insurance even though I canceled within 6 days of the renewal. State policy -- eye roll. Needless to say, I'm angry and disappointed. Times are difficult as is, and they made it much more so.

Product: Allstate Car Insurance

Comment

Sharika Fleming
September 18, 2023 • @dfleming1179

Allstate covered my Home for a year. Once it was time for renewal, they went up on my policy 5 times the current premium. Once I contacted Allstate several times they stated my house sqft was adjusted. I had documents from the county sent in to verify they previously had the correct sqft. Ended up dropping me under false information, as well as send my account to collection. Even though my mortgage company pays my Insurance premium every year. Allstate to my premium to $10,000 on a 2785 sqft house. So now its been 5 months and I still trying to get this issue resolved because I filed a complaint and never heard from Allstate.

Product: Allstate Home Insurance

Comment

weiyutyy
September 15, 2023 • @weiyutyy

Allstate can give you a good price. But they have a bad reputation for claim. Avoid this company if possible. Here is my case. There was a heavy hail storm in my region, reached history record. I asked the inspectors (both allstate assigned and roof company) to check. The allstate adjuster refused the claim and siad that it was not caused by hail. The pictures of damaged regions were marked by their assigned inspector. Ensuranced with this company is a mistake. You waste money and put yourself in a risk.

Product: Allstate Home Insurance

Comment

suraprath
September 14, 2023 • @suraprath

I had a water leak from a faucet inside the wall behind the refrigerator in the kitchen. The leak was not visible from outside until I saw some water under the appliance. The plumber who came to fix it repaired the faucet, but told me that some water had gone inside the wall and the kitchen cabinets, and even under the wood floor in the living room. To dry the moisture he suggested I inform the insurance and call a remediation company. I called Allstate and reported the damage. The claims agent said the damage repair would be less than my deductible, but offered to send a remediation company. On his suggestion, I withdrew the claim. a remediation company, sent by Allstate, came and set up seven huge fans to run 24 hours daily to dry out, and asked that I file the claim with Allstate, because the repair would include replacing portions of the wall, kitchen cabinets which were now building fungus and horrible smell, and even the whole wood floor. Finally an Allstate adjuster Christine Cookson came to survey the damage, but decided any Insurance coverage for the damage, saying the damage had not been caused by accident. I petitioned her decision, but her supervisor agreed with her. I hired a Public Adjuster who submitted a claim for about $85000, and that too was rejected by Allstate. The whole insurance experience has been a mental strain our whole family, not to mention the days we had to move out so the proper protocols could be followed for remediation of mold in the kitchen cabinets. I The entire wood flooring had to be replaced, and the dry wall between the living room and the kitchen had to be replaced. Allstate, I now believe, is a fraud. When all the contractors agreed that insurance must cover the repair cost, one woman made a unilateral decision to disapprove coverage.

Product: Allstate Home Insurance

Comment

henderleo
September 13, 2023 • @henderleo

Everything bad you read about them is true. Not a customer of theirs but was hit by one. They have to screw everyone to pay for all their stupid commercials. If they are so great why do they have to tell everyone so often. If possible I’ll never have a thing to do with them anymore. If hit by an insured go to ER by ambulance even if not hurt. Take a rental car right away, might take 2 days to get it. Might not get it if not taken right away. Be prepared to have a zillion conversations with them nearly all initiated by you. If you replace a vehicle they will not pay dealer documentation fees. They will not reimburse hardly anything except on their terms. Avoid, they are mayhem.

Product: Allstate Car Insurance

Comment

gonyerjulie
September 8, 2023 • @gonyerjulie

I contacted to call center to cancel my insurance. They were very polite and took all my info and assured me that this would be taken care of on the date requested. I made sure to confirm that they wouldn't draft my payment due in two weeks. They assured me that when they cancelled my policy the draft would also cancel. I received an email with the cancellation notice and figured all was taken care of. Two weeks later the draft was taken from my bank. Now I have to fight to get my money back. I don't have a complaint for any specific office, however, the call center needs to do what they claim they are going to do so something like this doesn't happen again. I cancelled my policy because even though I had no claims, my policy doubled in a 12 month period. I received false information when I signed up. They need to do better.

Product: Allstate Car Insurance

Comment

Cindy K
August 30, 2023 • @ckbeals

Really doesn't deserve 1 star. So after a microburst and storm damage, I filed a claim for the damages to home and property. No agent came to see the damage and my agent in NYS refused to assist saying to deal with other representatives out of state. It took sending photos multiple times before they stated they received them. Then Allstate took 2 years (this includes emails, phone messages, and calls to customer service dept. over and over again) to send the funds which were not the near the true value of the costs for damage out of pocket. I've had car insurance with them for 50+ years, and home insurance with them for 20 years. I canceled my insurance on both a year ago. So happy to be done with them. In my experience they are not at all working for the customer, nor are they fair to the customer and they are pathetically SLOW in resolving any issues.

Product: Allstate Home Insurance

Comment

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Allstate Q&A(156 questions)

What rating does Allstate insurance have?

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WalletHub

Allstate received an A+ rating from the Better Business Bureau and a score of 3.2/5 from WalletHub editors. In addition, Allstate has a rating of 2.73 from the National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

Allstate Insurance Ratings

WalletHub Editors: 3.2
A.M. Best: A+
J.D. Power: 4.1
NAIC: 2.73
BBB: A+
Standard & Poor's: A-
...

Are Allstate insurance rates competitive?

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WalletHub

Yes, Allstate insurance rates are competitive, as the company is one of the 10 cheapest auto insurers nationally, according to WalletHub analysis. Allstate car insurance customers pay an average of $781 per year for coverage. Allstate's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote,...

Why is Allstate so cheap?

Upvotes

McKayla Girardin, Car Insurance Writer

Allstate is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Allstate costs an average of $105 per month, and Allstate premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and anti-theft device discount. Plus, Allstate rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average...

Does Allstate offer full coverage insurance?

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Lilah Butler, Car Insurance Writer

Yes, Allstate offers full coverage car insurance. Full coverage from Allstate typically includes at least a state's minimum required car insurance coverage along with collision and comprehensive insurance to protect the policyholder's vehicle.

Full coverage car insurance from Allstate costs $3,666 per year, on average, and is more expensive than a liability-only policy since it provides more coverage.

Cost of Allstate Full Coverage by Driver's Age

Driver	Annual Cost
16-year-old	$6,527 per year
22-year-old	$3,358 per year
45-year-old	$2,438 per year
65-year-old	...

How much does insurance go up after an accident with Allstate?

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WalletHub

Allstate insurance rates go up by an average of 64% after an accident. Drivers who have Allstate accident forgiveness will not see their car insurance rates go up at all after their first accident in 3 years, however. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.

The exact amount that premiums go up after an accident depends on a few factors, including who...

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