Allstate

2,500 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 05/23/2023.

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

williedavis2516
May 23, 2023 • @williedavis2516

This company is good to take your money each month for your policy, but slow to resolve your problems about service. Seems like they have put more on the shareholders instead of the CUSTOMERS, without CUSTOMERS you have no business. Everything I seem to have a problem I have to go to bbb because this business wants to do everything online and they make wrong estimates on pictures they want you to send , process is very flawed and time consuming, .

Product: Allstate Car Insurance

Comment

Diana Ceniceros
May 22, 2023 • @dianaceniceros

Worst insurance ever! They do not want to help! I give this opinion about my mom that also has insurance and also myself! They did not provide enough funds to fix my roof and also having so much complication just to get my car fix from a drunk driver that hit my car from behind on the side of the freeway too a entire month and 1 week for them to give out the money to my body shop that is a company from Toyota! I have to call and get help instead of Allstate guiding and helping me with my first car accident! They summited all the information incorrectly!

claims is the worst! They do not help you in a timely matter they take there time when you have to go on a struggle because they to busy not helping.

Product: Allstate Car Insurance

Comment

neily_weily
May 21, 2023 • @neily_weily

ALLSTATE IS HORRIBLE!!!!! . I bundle my Car Insurance with Homeowners Insurance . . . Been with them for over 10 years. Come renewal, Allstate, double my car insurance on two vehicles, that is paid off. I have a 2019 KIA RIO and hubby 2015 Chevrolet Impala. In the past 15 years we have not filed any accidents, citations, nothing. clean driving record, period. But for the first time I had to fill out a fender bender on my KIA RIO, where the guilty party backed out into my car in a parking lot. The police sd it was a 50-50 Split, no citation, Allstate was not on my side, come renewal for June 2023, my 6 months went from $800/$1,600 per year to $1,200/$2400 per year. I called my agent in Whitsett NC to ask why, he told me it was because of North Korea, Russia fight with Ukraine. He said all insurance companies will be impacted.

I immediately got a new quote from State Farm, they were able to cut my auto insurance in half, 50% less than All State. They did not hold my fender/bender against me, they said I was an excellent driver as well as my husband. State Farm also matched my Homeowners Insurance, the same I was paying at Allstate.

I paid State Farm immediately and cancelled my Policies with Allstate effective Friday, May 19, 2023.

I told State Farm, what my agent said about North Korea, Russia and Ukraine. He said that is insane and State Farm is not impacted by that, he has no idea why Allstate would say that. Makes no sense. . .

Allstate is not on my side to save me money. Goodbye Allstate....

Product: Allstate Car Insurance

Comment

claudiacontreras1011
May 18, 2023 • @claudiacontreras1011

I have been dealing with the claims for months and have been stressed since.I was told I would be covered for more than 30 days rental and now I have a $high bill that I’m not covered for. Manager was not willing to help out not one bit. I have proof that it was In fact Allstate fault my car was not in shop right away and that the shop it was taken to took 15+ days to order parts for car. My car was in the shop for 30 days and not being worked on. Allstate was aware of this and told me not to worry that I would be covered for rental and was sent a check. The check was then stoped and now they are saying it was a mistake that they sent that check. I’ve had Allstate 15+ years and now I’m definitely looking for another insurance and getting an attorney. So crazy that you can pay for something and then companies act like we have to beg for help.

Product: Allstate Car Insurance

Comment

salwasaad521
May 17, 2023 • @salwasaad521

I am a lady who owns an apartment. I woke up to find my house was leaking water from my 40 gallon water heater. The water is not deep but it leaks everywhere especially under the cupboard, kitchen and bathroom. I called Allstate Insurance to issue an accident claim and case. The agent sent a cleaning company to my house. I asked the agent? Who pays for this company. The agent said the insurance coverage agent. The agent did not mention that the insurance is paid to this company from home repair coverage. I have no experience, and this is my first accident with water. I mentioned it in my claim. Unfortunately, I was misled. The insurance sent a cleaning company and it was not delivered. I have the option of looking for a company that does the work or a contractor that will do the cleaning and repairs at a cost commensurate with my insurance coverage. The insurance sent an expensive cleaning company and the work they did for me. My tiny 523 square foot house is not worth the $5,400 condominium cost. All i have done is the cleaning company is the case i find the heating house cleaning company overrated. The clocks under the counter in the kitchen have not been cleaned or the bathroom is moldy and the water is not as deep as these appliances deserve. It is not a flood and damages the foundation of the house. You don't need these expensive devices. Under cabinet, kitchen and bathroom, it kills bacteria by spraying. My neighbor got this service because I was hurt by my $575 leak. Insurance works in our house. And the insurance did not send anyone to inspect the house and evaluate the work of this company. As a result, the insurance company could not evaluate the work of this company that sent me and paid out of my budget the large sum of $5,400 and left the firs repair estate $2,650. How do I fix my house? The insurance should not reference clean company, I don't know what the insurance interest is in nominating and sending this company. It is not a free service by the insurance company. Instead, the insurance was taken from our budget and paid to this company. Home repair budget bears the fault of nominating this company

Product: Allstate Home Insurance

Comment

Lisa Smith
May 16, 2023 • @Paxemail

You’re not in good hands with Allstate
A local agent was supposed to transfer my current policy over from another insurance company exactly like I had it. Two months later that vehicle was stolen and I went to file a claim and come to find out the agent did not put full coverage on the vehicle and I was out 30 grand.(it was a custom vehicle you don’t think I didn’t ask for full coverage) (they couldn’t even pull our phone conversation to prove what I had asked for kind of funny isn’t it) They did nothing about it nor did corporate do anything about it, even though I proved all my other vehicles had full coverage, except for our beater car we don’t drive, And my previous policy had full coverage and the condition of the vehicle and the value was worth more than my car that I had full coverage on. I also prove the agent made another mistake in writing the policy of the purchase date was incorrect, but they still didn’t acknowledge that mistake either ! They never had the decency to call me back. I even emailed several times asking the status .I’ve called customer service twice and asked for a supervisor , for help with my current policy, and I have gotten hung up on purposely!
They should not be allowed to be in business. Their only response is I should’ve read my declaration page that quote I never received in the mail.! I’ve asked to not do business with the local agent, and asked to speak to customer service with help and they have discriminated against me after filing a complaint with a BBB! Use any other insurance company, but them!

Product: Allstate Car Insurance

Comment

pennickangela
May 15, 2023 • @pennickangela

This is the worst insurance I've ever dealt with.my husband was hit by someone who has allstate. The company is rude and not at all helpful. The accident was nor husband's fault driver did a uturn and hit him. These people aren't answering phone. And all state insurance says if they don't they will deny claim.my car is toast and since it is older I don't have collision so my insurance with usaa so my car can't be covered on my policy. Allstate says they won't go off police report. I will never recommend this insurance to anyone.

Product: Allstate Car Insurance

Comment

Sandy Brown
May 11, 2023 • @s8ndm8n

I recently received a credit collection notice from Credit Collection Services informing me that their client, Allstate Fire and Casualty Insurance Company, had determined through their investigation that either I or my vehicle had been involved in an accident in Arizona on 2/14/2022. The vehicle was a Ford Focus I learned through my own insurance as they had put a claim against it. A couple of problems here. (1)I never owned a Ford Focus, (2) I have never been in Arizona.

Product: Allstate Car Insurance

Comment

Delores
May 11, 2023 • @redwoodsherpa

Where do I begin. I will start by saying... RUN from choosing Allstate as your carrier. They are by far the absolute worst company I have ever dealt with, ever. And I work in Procurement so I deal with A LOT of companies. I signed on with Allstate in April 2022. I got a great 6-month policy at a good price (full coverage including comprehensive for storms, wind, animals, trees). Move forward 6 months (October 2022- 10 days before my policy ended (October 2022), Allstate attempted to pull the entire policy payment for the next 6 months out of my bank account 10 days before it ended. The amount was $250 MORE than my previous 6 month policy. I have a savings account just for my car and I move the money into checking to make payments associated with my car. I had not moved the money into my checking because I had 10 days before my policy ended and I wanted to shop around. Not only did Allstate charge me an additional $35 for 'insufficient funds', but they also put a mark against my account and I am no longer allowed to pay direct from my checking, forcing me to use a card and charging me 3% to use my card. I pay my premium in full so whatever. I called (that is an entirely other issue) and talked to not 1, 2, 3 or even 4 reps but 5. I kept getting passed around, having to start over each time. AWFUL EXPERIENCE. I finally, after 2 weeks hung my head in defeat and took the hit. I did talk down the premium and paid my policy before my current policy ended, 3 days before so there was no lapse in coverage. I told Allstate that I DO NOT WANT THEM TO TAKE MONEY OUT UNTIL I APPROVE OF THE NEW POLICY PREMIUM and they said, "No problem." Fast forward to April 2023. My policy ends on April 30, 2023. On April 20th Allstate tried to pull money out of my account for the new policy starting May 1. A policy that was $200 MORE. I did not approve of the new policy and called immediately. They gave me another insufficient funds check mark AGAIN and charged $25 insufficient fund fee, and my policy was not active until I paid the fee. I paid it because I did not want to have a lapse in coverage. Why stay with them? Here is the answer. I lived in the high desert (Unionville NV, but have since moved to Reno) and worked at a Silver Mine. I had full coverage (including comprehensive) because of the terrain (free range cattle, antelope, dirt roads, high winds) and I am glad I did because on or around April 1 we had high winds and a large oil barrel hit my car. Filing the claim was easy- and so far that part is going ok but I refuse to now leave Allstate because I don't want to risk them screwing me over on getting my car fixed (a small but buckled dent on the side of the car). I know the incident happened during my policy period, but Allstate has NO accountability. What did I finally end up doing? I filed a complaint with the State of Nevada insurance division. https://doi.nv.gov/Consumers/File-A-Complaint/ And if you have also been screwed, blued and tattooed by these Allstate then you should do the same. Allstate is a mess. I can NOT wait to get my car fixed and move onto a reputable insurance company. I will create another review for the incident where my Allstate account was breached and money was being taken out of my bank account to pay for AT&T prepaid phone cards- We paper trailed it back to Allstate, and they do not care. My bank immediately reversed the charges, but still I had to get new cards and it was a nightmare. Hopefully the bank and the state of Nevada will do a thorough investigation on these criminal matters. Sounds like they are nickel and diming consumers like Wells Fargo did.

Product: Allstate Car Insurance

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Allstate Q&A(149 questions)

What rating does Allstate insurance have?

Upvotes

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-
Moody's: Aa3
Average User Rating on WalletHub: 2.9/5

To learn more, check out WalletHub's complete Allstate car insurance review.

Are Allstate insurance rates competitive?

Upvotes

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, as does your eligibility for discounts.

Allstate Car Insurance Rates vs. Popular Competitors

Company	Average Cost of Minimum Coverage
Allstate	$781 per year
Geico	$462 per year
State Farm	$718 per year
Progressive	$549 per year

Note: Rates are an approximation based on a 45-year-old driver in California. Actual rates will vary. For more information, check out the methodology section of our Allstate car insurance review.

Other Factors That Make Allstate Insurance Competitive

Allstate offers 12 auto insurance discounts.
Allstate offers 22 different types of insurance.
Allstate customer service representatives are available 24/7.

To learn more, read WalletHub's complete review of Allstate.

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 $48 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 Monthly Rates for Allstate vs. Top Competitors

Company	Minimum Coverage	Full Coverage
Allstate	$48	$177
State Farm	$77	$218
Progressive	$54	$168

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Allstate is especially cheap for young drivers in particular. That's because Allstate has special savings opportunities for drivers in this category, such as discounts for students with a GPA of at least 2.7.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Allstate is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Allstate and see Allstate's full profile.

Does Allstate offer full coverage insurance?

Upvotes

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	$2,343 per year

Common Allstate Full Coverage Insurance Components

Liability insurance. Almost every state requires drivers to carry liability insurance, which includes property damage liability and bodily injury liability coverage. Liability insurance pays for others' expenses after an accident you are at fault for.

Collision and comprehensive insurance. Collision insurance covers the cost of fixing or replacing the policyholder's vehicle after an accident, regardless of who was at fault. Similarly, comprehensive insurance covers the policyholder's car if it's damaged by something besides an accident, like vandalism, a fire, or a natural disaster. Collision and comprehensive are not mandatory in any state, but they are usually required for leased and financed cars.

Uninsured/underinsured motorist coverage. This type of coverage protects you if you are involved in an accident with a driver who either does not have car insurance or does not have enough coverage. Uninsured/underinsured motorist insurance covers your expenses after an accident that should have been paid for by the at-fault driver's liability insurance. It will automatically be included in your full coverage policy if it is required in your state.

Personal injury protection/MedPay. Personal injury protection (PIP) insurance and MedPay coverage both cover medical expenses for you and your passengers after an accident, regardless of fault. Depending on your state, you may be required to carry one or the other.

Although these types of insurance are commonly included in a full coverage policy, what your specific policy includes will depend on your state. Full coverage is not the official name of any type of insurance, so be sure to clarify whether these types of insurance are included if you're purchasing a Allstate policy.

When You Should Consider Full Coverage From Allstate

A Allstate full coverage policy is a good choice for drivers who don't want to pay for vehicle repairs out of pocket. If you are leasing or financing your car, you may be required to get full coverage.

To get a quote from Allstate for a full coverage policy, you can call 877-938-0351. To learn more, check out WalletHub's guide to full coverage car insurance and our full review of Allstate.

Note: Rates are an approximation based on a driver with full coverage and a clean driving record in California. Actual rates will vary.

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

Upvotes

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 was at fault, how much damage was caused, and the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Repeat offenders also see relatively large rate hikes.

To learn more, check out WalletHub's complete review of Allstate car insurance, as well as our guide to accident forgiveness.

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