Allied Insurance Auto Insurance Review

Name: Allied Insurance Auto Insurance Review
Item: Allied Auto Insurance
Rating: 8.5

Written By:

Last Updated:Mar 14, 2024

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It’s worth getting a quote from Allied as long as you don’t mind picking up the phone and calling an agent for the information.

8.5/10

Cost

9/10

Features

8.5/10

Ease of use

9/10

Services

8/10

Allied auto insurance was founded in 1929 and, through a series of acquisitions, is now a part of the Nationwide family of insurance companies. In addition to the auto insurance offerings, the Des Moines, Iowa, Allied provides various other insurance products, including home insurance, renters, life insurance, boat, and even pet insurance.

With Allied being a part of such a huge insurance company like Nationwide, we wanted to take a closer look at what it’s all about. Is Allied right for you and your auto insurance? Let’s take a closer look and find out.

In this article

How does Allied auto insurance work?

Like other auto insurance companies, you can easily obtain an insurance quote online. If you’re more comfortable speaking with someone, you can call customer service or work with a local insurance agency.

Allied still uses a large network of local agents across the country, and the agents are expected to work with policyholders with everything from quotes to claims.

Currently, Allied offers car insurance coverage in 33 states. The most efficient way to check for coverage where you live is to go directly to alliedinsurancequotes.com and click on the coverage map or contact customer service.

As you’d expect, Allied offers the typical coverage options for auto insurance:

Liability
Comprehensive and collision
Medical payments
Uninsured and underinsured motorists
Personal injury protection

Allied begins to set itself apart from other carriers with various options you can add to your insurance policy. For instance, options include roadside assistance, accident forgiveness, and GAP coverage.

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How much does Allied cost?

Like all other auto insurance companies, Allied relies on your personal history and information to receive an exact quote. An online or agent quote is the best way to determine coverage options and costs.

There are numerous factors influencing how much you pay for proper coverage. While some are out of your control, you can influence several. The biggest factors affecting the cost of your premiums are:

Age
Location
Gender
Marital status
Credit score
Driving history
Vehicle
Coverage options and insurance limits
Additional features to your policy
Amount of your deductible

According to Nerdwallet, car insurance costs an average of $1,982 annually. Over at Bankrate, there's a list of premium costs by each major insurer. And while Allied isn't featured on the list, Nationwide (which owns Allied) charges an average of $150 per month of full coverage and $62 per month for minimum coverage.

Features of Allied auto insurance

Allied has several features that make it worth considering.

Allied extras

Allied features a few extra services that come standard with your policy. This includes bonuses such as:

Free emergency locksmith services if you’re locked out of your car
Free airbag replacement if your airbag is deployed in a crash
One deductible if you have damage to your vehicle and home due to one incident
Accident and minor violation forgiveness

This package of options is available for any age driver to add to their policy. Not only does this coverage keep your premium from increasing after your first accident, but it also covers you for minor incidents. So if you run a red light or have a fender bender, your rates won’t go through the roof if you have this option. An agent can work up the exact cost for you to add this option.

GAP coverage

For those with a new car, you’ll be interested to know Allied offers GAP coverage. If you were to get in an accident, your car might not be valued as much as you still owe on loan. With this coverage, you’ll get paid enough to cover what you owe.

Numerous discounts

With Allied, chances are you can find several discounts to qualify for to help lower your premium. Allied offers discounts from policy bundling, so you could save if you have your homeowners insurance, renters insurance, or business insurance through the company. From a good student to a good driver and having multiple cars on a policy, there are a variety of insurance offers, and Nationwide will be "on your side." You can also get a discount for paying your annual premiums at once.

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Allied vs. competitors

You have tons of choices when it comes to auto insurance providers. Here’s a quick look at how Allied compares to other well-known providers.

Carrier	J.D. Power Satisfaction Score	Average monthly premium for minimum coverage*
Allied	Not rated	N/A
Geico	871/1,000	$39
Amica Mutual	909/1,000	N/A
USAA	Not rated	$36
Progressive	870/1,000	$49
State Farm	891/1,000	$56
Erie	902/1,000	$47
Nationwide	875/1,000	$62
American Family	882/1,000	$44
Liberty Mutual	866/1,000	N/A
Allstate	882/1,000	$56

* Data picked from Bankrate.

Read full reviews of each company by clicking on the links and see how the carriers compare.

Who is Allied best for?

Those who prefer working with local agents

While numerous auto carriers have moved to a model of operating online, app, or phone number, Allied offers a strong local network of agents. If you like picking up the phone to have someone help you file a claim or answer policy questions right away, Allied can offer you this service.

If your credit is less than perfect

You can still get a policy with Allied for those with poor or fair credit. The best part is, according to The Zebra rate comparisons, the premiums for someone with very poor credit are about 35 percent higher versus someone with fair credit. Compare this to other big-name providers, where rates may be double if your credit score falls in one of these categories.

Who shouldn’t use Allied?

Rideshare drivers

Currently, Allied does not offer rideshare coverage options for those who drive for companies such as Uber or Lyft. For those, read Best Rideshare Insurance – Coverage for Your Side Hustle or Full-Time Gig.

If you want everything online

For those who prefer going online to conduct all your business with your auto insurance policies, then you may want to look elsewhere. You don’t have the option to finalize your policy other than through an agent or customer service. You should note that you’ll have access to the Nationwide Insurance app to access your policy information on your smartphone.

Pros and cons of Allied auto insurance

Pros

Access to the strength of Nationwide. Because it’s under Nationwide, you can access the app to help manage your policy.
Low amount of registered customer complaints. According to the NAIC consumer complaint index, Allied scores .44. The national average is 1, so any score below one means the insurer received less than the average.
Other high marks for customer service. Allied has an A+ rating from the BBB too.

Cons

Only available in 33 states.
Have to work through an agent for major questions such as quotes, coverage options, and claims.
Can’t complete the quote process online, again, you have to call an agent or customer service.

FAQs

Is Allied auto insurance good?

Like any auto insurance company, you have to decide exactly what you want from a carrier and what will work best for your budget. Allied offers many of the benefits of a larger company, but still keeps its personal customer service commitment through the agent network. With the superior financial strength and good customer service ratings. Allied can be a good choice for you.

Is Allied insurance expensive?

When you compare Allied to other carriers, Allied is neither the least expensive or the most. To get the best rate for your premiums, you can start by getting multiple quotes from multiple carriers. Then, take a look at the coverage limits and options you’re choosing — are there any adjustments you can make where you may have too much or too little coverage? Your deductible is another area of potential savings. The lower your deductible, the higher your premium. If you can afford a higher deductible (should an accident occur), then consider raising it. Finally, having a good credit score improves your rate too. By paying bills on time and monitoring your credit report for errors, you can improve your chances of having a lower premium.

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The bottom line

Allied auto insurance has the local, in-person service many consumers seek with their insurance agent. And because Allied’s parent company is Nationwide, you have the strength of a powerful insurance company backing you.

Allied gets high marks for its strong customer service ratings, but it might not be ideal for those who want the complete digital experience while comparison shopping. Overall, it’s worth getting a quote from Allied — as long as you don’t mind picking up the phone and calling an agent for the information.

Additional reporting by Brent Ervin-Eickoff.

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Sara Coleman is a former corporate gal turned creative entrepreneur. She began writing professionally several years ago and now contributes to multiple websites, blogs, and magazines. She’s also an avid reader and can’t resist a great historical fiction novel. Sara holds a BA in journalism from the University of Georgia and can be found supporting her Bulldogs every chance she has. She resides in Charlotte, North Carolina, with her wonderfully supportive husband and three children. When she’s not ushering her kids to sports and dance lessons, she can be found creating content for her own website, TheProperPen.com.

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