Allstate’s large network of insurance agents, that extends from coast to coast, lives by a promise that “you’re in good hands.” This is something the auto insurer tries to live up to while providing not only auto insurance but also a suite of financial products, making it popular amongst one-stop shoppers who want to bundle policies?
But is Allstate insurance the best auto insurer for you? We provide this insurance review to go over some of the things Allstate customers love — and hate — about this big-name insurance provider.
Founded in 1931 in Illinois, Allstate is a national leader when it comes to insurance, providing over 16 million households with insurance policies. With Allstate insurance company, you can expect the standard auto insurance coverage that is consistent amongst most top insurers, plus some additional add-ons that are specific to Allstate.
Financially, Allstate is strongly rated, with a Financial Strength Rating of A+ from A.M. Best. However, it ranks below industry average when it comes to customer satisfaction from policyholders. It was rated 19th in J.D. Power’s 2019 United States Auto Claims Satisfaction Study — most of its main competitors, including State Farm, ranked higher in this category.
Liability: This pays for the medical bills or vehicle repairs of another person if you’re at fault.
Comprehensive: If your vehicle is damaged by uncontrollable events such as vandalism, hail, or fallen trees, comprehensive coverage will pay for the repairs or replacement.
Collision coverage: This covers the costs related to damage of your vehicle due to an accident.
Uninsured or underinsured motorist: If a motorist who isn’t insured, or who is underinsured, causes you bodily injury or damages your car, this policy will cover the cost of your related bills.
Medical payments: If you or your passengers are hurt, this coverage covers your expenses.
Sound system insurance: This will cover the cost of replacing or repairing sound equipment or video equipment that has been stolen or damaged.
Roadside coverage: If you need any roadside assistance — from a jump start to help changing a flat tire — this policy will provide that for you.
Personal injury protection: If you’re injured in a covered accident, this policy will pay for your bills.
Personal umbrella policy: This policy covers liability beyond your policy’s standard limits.
Rental reimbursement coverage: If your vehicle is in for repairs and you need to rent a car, this policy will reimburse your expenses. Or, it could reimburse your expenses for alternative forms of travel.
Like many other insurers, Allstate also offers add-on coverage options that you can opt for, which will enhance your coverage. Here are a few add ons that are unique to Allstate:
Accident forgiveness: This policy ensures that your insurance premiums won’t go up after one accident, even if it was your fault.
New car replacement: If you total your car and it is less than two years old, Allstate will offer you a replacement rather than giving you a payout for its adjusted value.
Deductible rewards: You’ll get $100 off your deductible for signing up and then an additional $100 off each year for each year you’re accident-free, to a total of $500 off your deductible with its safe driving bonus.
How does Allstate auto insurance work?
Signing up for Allstate is a straightforward process. Before you begin, make sure you have important information such as your social security number, address, and the make, model, and year of the vehicles you want to register. Here are the steps for getting your auto insurance quote.
1. Enter your name
It’s best to enter your legal name as shown on your social security card or driver’s license.
2. Enter basic personal information
Next, provide Allstate with basic personal information about yourself as shown on your driver’s license.
3. Provide details about your residence
Allstate will ask for basic information, such as your address. In addition to that, Allstate will want to know how long you’ve lived at your current address and whether you own or rent.
4. Provide contact info
Provide Allstate with your phone number and an email address you check regularly.
5. Provide information about your vehicles
Before quoting you rates, Allstate will want to know the year, make, and model of the autos for which you would like insurance.
6. Provide information about the vehicle’s value
You’ll need to give Allstate information about when you got the auto and whether you own or lease it, or got it as a present. You’ll also need to state its current value.
7. Provide information on how you use your vehicle
Next, you’ll need to let Allstate know how you currently use the vehicle, including if it is used as part of a rideshare. Also, you’ll have to provide details on where you park it when it’s not in use and its estimated annual mileage.
8. Provide additional personal information
Next, you’ll provide information about yourself such as your highest education level in addition to specific information about your employment.
How much does Allstate insurance cost?
The average monthly cost of your premium depends upon a number of variables such as the state you live in, your car’s make, your employment and the size of your deductible.
Here are some of the factors Allstate uses to set their rates.
Your location. Some locations have traditionally higher auto insurance rates due to higher rates of theft, extreme weather, or higher percentages of accidents. For example, auto insurance policies in coastal states can tend to be more expensive due to frequent hurricanes. Auto insurance rates in big cities can run high because there is an increased rate of car accidents.
Your driving record. If you’ve been collision-free for a number of years, this could help to lower your rates. However, if there are multiple drivers on the same policy, this could drive rates up. Allstate will also review your risk as a driver, which includes speeding tickets or prior convictions.
The vehicle’s use. Allstate asks questions such as how often you’ll drive the car and for what purpose. Allstate will also factor in whether you’re driving on rural or urban roads.
Your vehicle. Everything from the color, make, model, year, and safety rating of a vehicle can go into a car insurance quote. Allstate wants to determine how much it will cost to repair your vehicle and what the chances are that it’ll get damaged in the first place, not to mention how safe you and your passengers will be inside of it.
Features in your car can also keep prices lower. If your car has an anti-theft device and anti-lock brakes, for example, you can earn a discount.
With all of those factors, here are examples of average rates with Allstate for a single, college-educated male renting a home in Chicago driving an average of 11,000 to 13,000 miles a year in a 2018 Toyota Camry as of March 28, 2021.
Minimum coverage includes:
Bodily Injury: $25k/$50k
Property Damage: $20k
Uninsured Motorist Bodily Injury: $25k/$50k
Full coverage includes:
Bodily Injury: $100k/$300k
Property Damage: $50k
Uninsured Motorist Bodily Injury: $100k/$300k
Collision Deductible: $1k
Comprehensive Deductible: $1k
Allstate auto insurance features
What makes Allstate special? Some of their features distinguish them from their competition. Here’s what Allstate has implemented to stand out from the pack.
Teen driver discount
Getting auto insurance for a teen driver can be expensive, but Allstate has a solution. Through their smart student discount, drivers under the age of 25 can qualify for a reduced rate based on their grades and the completion of an Allstate driver education program.
Allstate’s proprietary mobile app will analyze your driving habits and offer personalized suggestions to improve your driving. Users of the app are rewarded with a 10% insurance discount, plus Allstate has partners with other businesses to offer merchandise, gift cards, and local offers.
If you’re earning income driving for a rideshare service such as Lyft or Uber, for an extra fee Allstate will cover the cost of collisions that occur when you have your rideshare app on. Traditionally, not all auto insurers offer this coverage or, if they do, your deductible could be higher.
This feature bases your car insurance upon the number of miles you drive. This could help if you don’t drive much; you’ll pay a daily rate in addition to a per-mile rate.
Who is Allstate insurance best for?
There are some people who are well suited for an auto insurance policy from Allstate, including
If you're a parent of a teen driver or a teen driver yourself, you likely know how expensive and difficult finding an auto insurance policy can be. With Allstate’s dedication to serving young drivers and their families, it positions themselves as a leader for younger drivers.
Not all insurance policies cover rideshare drivers. Your car insurance policy might raise the deductible if you’re using your car for ridesharing, or, you might have a gap in your coverage in between the time you turn your app on and accept a ride. Allstate’s insurance could be helpful for rideshare drivers comparing the best insurance.
If you don’t drive often
With Allstate’s Milewise program, you could save money if you only drive occasionally. This could also be helpful if you are trying to get insurance for a second vehicle that you rarely drive.
If you want to meet and agent face-to-face
Allstate has local agents across the country, unlike some insurers who operate entirely online you can make an appointment to meet with an Allstate agent in person if you prefer.
Who shouldn’t use Allstate?
Not every consumer is going to want to go with Allstate. Here’s when you might want to steer clear of the insurer.
Consumers that want above-average customer service
Allstate is rated in the top 20 for J.D. Power’s annual customer satisfaction survey — but barely. It came in at number 19. That means there are many national insurers with better customer service, chances are one of them could offer similar policies to Allstate. If customer service is a top priority for you, Allstate might not be the right choice.
Pros & cons
Still not sure whether you should get auto insurance with Allstate? Here’s a list of the pros and cons so you can compare facts.
A leader in driver education. Not only does Allstate have a robust educational program for teen drivers, but it also offer their Drivesafe app to help anyone improve their driving.
Sound system coverage. Easily protect your audio equipment with Allstate’s unique sound system coverage.
Bundle your policies. Allstate is a one-stop-shop for auto insurance, homeowners insurance, renters insurance, life insurance and other insurance products. By bundling policies you'll save money with a multiple policy discount and reduce the amount of paperwork you need to complete.
Average customer service. Allstate’s ratings for customer satisfaction are below some of its top competitors.
Allstate vs. competitors
Want to know how Progressive stacks up against its competitors? Here’s what they look like side-by-side.
J.D. Power Ratingr
A.M. Best Rating
Allstate vs. GEICO
GEICO is known for offering low rates, so if you’re looking for the cheapest auto insurance it’s likely you’ve considered them. Depending on your circumstances, Allstate might be able to offer you a comparable rate, especially if you don’t drive often and opt for Milewise. Even if your rates with Allstate are somewhat higher, you do get a few more added perks and features such as Allstate's program for teen or student drivers and their new vehicle policy.
However, keep in mind that Geico is ranked in the top spot on J.D. Power’s 2020 purchase experience survey. Allstate, on the other hand, just barely squeaked into the top 20.
Progressive also offers rideshare insurance and gap coverage, in addition to discounts for multiple policies. However, it doesn’t have a program for teen drivers, nor does it offer a comparable to the Milewise program. Progressive also isn’t highly ranked when it comes to customer service. It's slightly higher than Allstate, but still average.
Not sure if you should go with Allstate for your auto insurance? Still have lingering questions? Here are the most common questions people usually search when it comes to Allstate auto insurance.
How much does Allstate insurance cost?
Allstate doesn’t advertise their rates directly online. Instead, it offers information about what influences their rates such as your location, driving history, and vehicle.
Is Allstate a good insurance?
Allstate is a leading insurer that offers competitive rates and a variety of policies. Their customer service ranks somewhat below average in their industry; they come in nineteenth place nationwide compared to their competitors.
The bottom line
Allstate is one of the leading auto insurers in the United States and offers a wide range of auto insurance policies in addition to several add ons that could serve the interests of some drivers in unique situations.
However, Allstate doesn’t have outstanding customer service ratings. Its rankings aren’t terrible, but is is below average for its industry when it comes to customer satisfaction. If you place high importance on customer satisfaction and tend to trust the reviews of other consumers then it may be useful to shop around at auto insurance companies with higher rankings in this area to see if you can find a comparable policy.
When making any decision about your insurance it’s of utmost importance to create a budget and make sure your monthly premiums will fit within it. Once you’re quote rates through several insurers, use the pros and cons of each car insurance company to help determine which is right for you.
Additional reporting by Brent Ervin-Eickoff
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