Allstate Auto Insurance Review [2024]

Founded in Illinois in 1931, Allstate was one of the first insurance companies to sell policies through the mail. By the end of its first year, Allstate had over 4,000 policies. Today, the Allstate auto insurance company has grown to America’s fourth-largest insurance provider.

As one of the largest insurance companies in America, Allstate has coverage options for just about anyone. From basic state-required minimum liability insurance to full coverage with all extensive add-ons, you’ll probably find what you need with Allstate.

Wondering if an affordable Allstate auto insurance policy is right for you? Your best option to find rates that work for you is to shop as many companies as possible. If you’re ready to see what rates might look like for you, enter your ZIP code into our free tool today.

What You Should Know About allstate

Allstate is a famous insurance company that most people off the street could name. While they offer several insurance options and a long list of discounts, one of the most important considerations before buying a policy is how happy customers are.

One of the biggest complaints about Allstate is that rates are higher than other companies, sometimes by as much as 35%. However, a huge plus for Allstate is its Claim Satisfaction Guarantee. Allstate auto insurance claims are guaranteed to be resolved to the satisfaction of customers. If they’re not, Allstate promises a six-month credit towards the policy.

If you feel your claim was not handled correctly, you can contact your agent to get the process started. Allstate cut the program back a little in some states, but for the most part, customers love the guarantee.

As for professional ratings, Allstate does well. A.M. Best ranks Allstate’s financial strength at A+, while the Better Business Bureau also gives them an A+. J.D. Power notes that Allstate’s customer satisfaction is slightly below the national average, and the National Association of Insurance Commissioners notes a much higher level of complaints.

allstate Insurance Coverage Options

Allstate Insurance offers the same standard list of car insurance that most companies offer in all 50 states.

• Liability. Liability covers damage to cars or property involved in an accident you caused. Most states (with the exception of New Hampshire) require a minimum amount of liability coverage to drive legally.
• Comprehensive. This covers damage to your vehicle from sources other than collisions, including weather, vandalism, theft, and animal contact. If you don’t own your car, you likely need comprehensive coverage.
• Collision. Regardless of who is at fault, collision helps repair your car after an accident.
• Uninsured/underinsured motorist. If another driver strikes you and has inadequate insurance, uninsured/underinsured motorist can make up the difference.
• Personal injury protection and medical payments. If you or your passengers are injured in an accident, this coverage can help pay any medical bills and make up for lost wages.

Aside from basic coverage, Allstate also offers several specialty types of insurance. These include commercial car insurance, rideshare, and GAP coverage.

Read more:

• Allstate Indemnity Company Review
• Allstate Milewise Review

What add-ons does Allstate Insurance offer?

Allstate’s auto insurance quotes might be more expensive than most of its competition, but there’s no denying it offers an extensive list of insurance products. You can also purchase add-ons, such as rental car reimbursement, roadside assistance, and mechanical breakdown coverage.

Rental car reimbursement will cover the cost of a temporary replacement car while your vehicle is getting repairs in a mechanic’s shop, up to a maximum of 30 days. If you want to purchase this add-on, you’ll need a comprehensive or collision policy.

If you buy roadside assistance, it covers the cost of jump-starts, winching, locksmiths, fuel delivery, towing, and tire changes. You can make use of your add-on five times per period.

Allstate’s Your Choice Program

One of Allstate’s most attractive features is its Your Choice Auto program, which rewards you for your safe driving habits. Your Choice can help you save with several handy benefits.

First, deductible rewards cut your deductible by $100 when you sign up for the program, then takes another $100 for every year you don’t make a claim. Allstate will remove up to $500 from your deductible, meaning a $1,000 deductible can be down to $500 in four short years.

Second, Your Choice provides accident forgiveness. Allstate will waive the traditional price increase on your insurance after an incident depending on the accident. You can buy the conventional first-time-only option or pay more to cover several accidents within a three-year period.

If you have this coverage, you won’t lose your Good Driver discount. California residents are the exception — you might lose your Good Driver discount, even with accident forgiveness.

You can also get a safe driving bonus check if you sign up for this program. As long as you remain accident-free, you’ll receive a check for 5% of your total insurance price every six months. If you live in New York, this bonus comes as a discount instead of a check.

Finally, you get New Car Replacement with Your Choice. As long as you bought your car before 2012, Allstate will give you a check for the sales price of your vehicle if it was totaled within three model years. Although they specify 2012 as the starting year, for practicality’s sake, this applies to new cars bought within the last three years.

Read more: Does Allstate offer GAP insurance?

Get the Best Allstate Auto Insurance Quotes

The founders of Allstate wanted to create insurance products that were easily accessible. Since then, Allstate has grown and now offers coverage throughout the entire U.S. with plenty of insurance products and lots of discounts, Allstate can probably take care of your needs.

If you want to buy Allstate auto insurance, you should shop around to make sure they can give you the best rates. Enter your ZIP code into our free tool to see what quotes might look like for you.

allstate Insurance Rates Breakdown

As you can see, Allstate is higher than the national average in every category. However, Allstate offers a list of discounts to help save you as much money as possible.

allstate Discounts Available

Before you sign the paperwork for any policy, you should check with an agent to see how many discounts you’re eligible for. Taking advantage of discounts is one of the best ways to save money on your policy.

In fact, one of Allstate’s major selling points is that it offers an extensive list of discounts. Check below to get an idea of what you might qualify for.

• Homeowner. If you own a home and have insurance on it, you might save 5% on your car insurance.
• Bundling. Allstate offers more than car insurance. You can also purchase home, renters, business, umbrella, and many other types of insurance. Save up to ten percent by purchasing more than one policy.
• Paid in full. If you pay for your entire policy instead of making monthly payments, you can save up to 10%.
• Smart student. Teen drivers enrolled in school full-time and maintain good grades, go to school more than 100 miles from where their car is stored, or complete a teenSMART driver’s ed program can save about 20% (read our “teenSMART Driver Program Review” for more information).
• Safe driver. As long as you meet Allstate’s safe driver requirements, you can save around 5%.

This is just a sampling of the discounts available through Allstate. When you sign up for a policy, your agent will ensure you get every discount you’re eligible for.

How allstate Ranks Among Providers

Here’s a detailed breakdown of how Allstate ranks among other insurance providers:

Financial Strength: Allstate maintains an exceptional A+ rating for financial strength from A.M. Best, indicating a high level of stability and ability to meet financial obligations.

Industry Presence: Founded in 1931, Allstate has solidified its position as the fourth-largest insurance provider in the United States. This enduring presence highlights its substantial impact on the insurance landscape.

Coverage Variety:  Allstate distinguishes itself by offering a wide range of coverage options. From meeting basic state-required minimum liability insurance to providing specialized coverage like commercial car insurance and rideshare options, Allstate aims to address diverse insurance needs.

Customer Satisfaction: While Allstate provides a Claim Satisfaction Guarantee, customer satisfaction reviews are diverse. Some customers commend Allstate’s services, while others express concerns about relatively higher insurance rates compared to other providers.

Discounts Galore: Allstate’s extensive list of discounts is a significant attraction for potential policyholders. Safe driving bonuses, deductible rewards, and other cost-saving incentives contribute to the company’s appeal.

Allstate’s impressive financial strength, diverse coverage options, and innovative programs position it as a solid contender in the insurance market. However, the mixed customer satisfaction reviews and cost considerations indicate areas where the company could focus on improvement for a more well-rounded customer experience.