Allstate North American Insurance Company Review (2024)

Explore the world of insurance through the lens of Allstate North American Insurance Company, a trusted name renowned for its comprehensive coverage solutions.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked
4.0
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Allstate North American Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • Wide range of insurance options
  • Strong financial stability and high A.M. Best rating
  • Innovative tools for policy management and safe driving rewards
  • Local agents for personalized assistance
  • Transparent claims processing

Cons

  • Premium rates can be slightly higher than some competitors
  • Limited availability of health insurance options
  • Some policyholders might prefer more online-focused customer service options

Explore the world of insurance through the lens of Allstate North American Insurance Company, a trusted name renowned for its comprehensive coverage solutions. This article provides an in-depth analysis of the company’s offerings, ranging from auto and homeowners insurance to renters, life, and supplemental health coverage.

Delve into Allstate’s A+ A.M. Best rating, the benefits of local agent support, and innovative tools like the Drivewise® program for safe driving rewards. Discover the transparent claims processing, personalized customer experience, and the array of discounts available.

As a beacon of reliability, Allstate ensures that you and your loved ones are shielded from uncertainties with tailored policies and unparalleled customer service.

allstate Insurance Coverage Options

Allstate North American Insurance Company provides a comprehensive range of coverage options tailored to meet various insurance needs:

  • Auto insurance: Allstate offers a diverse selection of auto insurance coverage, including liability, collision, comprehensive, and more (read our “Allstate Auto Insurance Review” for more information). Their innovative Drivewise® program rewards safe driving habits, while local agents ensure personalized assistance.
  • Homeowners insurance: With Allstate’s homeowner’s insurance, your property is safeguarded against damage, theft, and liability. Bundling options with auto insurance can lead to additional savings, and local agents provide expert guidance.
  • Renters insurance: Even as a renter, your belongings deserve protection. Allstate’s renter’s insurance shields your possessions from unforeseen events and provides liability coverage for accidents within your rented premises.
  • Life insurance: Planning for the future is crucial, and Allstate offers a range of life insurance options, including term, whole, and universal life insurance policies. These policies provide financial security for your loved ones in times of need.
  • Health insurance: While not a primary health insurance provider, Allstate bridges gaps in coverage with supplemental health options. These policies ensure you have added protection to cover medical expenses beyond your primary health plan.

These coverage options demonstrate Allstate Insurance Company‘s commitment to addressing various insurance needs, providing tailored solutions for individuals and families alike.

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allstate Insurance Rates Breakdown

Driver ProfileAllstate North American Insurance CompanyNational Average
Clean Record$160$119
1+ Ticket$188$147
1+ Accident$225$173
DUI$270$209
Poor Credit$275$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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allstate Discounts Available

DiscountAllstate North American Insurance Company
Anti Theft5%
Good Student20%
Low Mileage10%
Paperless5%
Safe Driver25%
Senior Driver10%

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Allstate North American Insurance Company values affordability and offers a variety of discounts to help policyholders save on their insurance premiums. These discounts reflect their commitment to providing comprehensive coverage without breaking the bank:

  • Multi-policy discount: Save by bundling multiple insurance policies, such as auto and homeowners insurance, with Allstate.
  • Safe driving discount: Allstate rewards safe driving habits through the Drivewise® program, offering discounts based on your driving behavior.
  • Good student discount: Students with good academic records can enjoy lower rates on their auto insurance policies.
  • Anti-theft device discount: If your vehicle is equipped with anti-theft devices, you can qualify for a discount on your auto insurance premium.
  • Early signing discount: Secure your policy in advance and enjoy savings on your premium.
  • Responsible payment discount: Set up automatic payments and save on your insurance rates.
  • New car discount: Insuring a new vehicle can lead to savings on your auto insurance premium.
  • Home safety discount: Homeowners can enjoy discounts for having safety features like smoke detectors and security systems.
  • Claim-free discount: Maintain a claims-free record and earn a discount on your insurance premiums.
  • Retiree discount: Retirees can enjoy special savings on their auto insurance policies.

These discounts not only make insurance coverage more affordable but also encourage policyholders to practice safe driving and maintain a secure living environment. Allstate’s commitment to providing financial relief through these discounts reflects their customer-centric approach.

How allstate Ranks Among Providers

Allstate North American Insurance Company operates in a competitive landscape alongside several prominent insurance providers. As customers seek the best coverage and service, it’s important to consider the company’s main competitors:

  • State Farm: State Farm is a major player in the insurance industry, known for its extensive network of agents and wide range of insurance offerings, including auto, home, life, and more. Like Allstate, State Farm emphasizes personalized customer service and innovative tools.
  • Geico: Known for its catchy advertising and competitive rates, GEICO is a direct insurer that offers auto, home, renters, and other insurance products. Their focus on online service and ease of access appeals to customers seeking hassle-free insurance solutions.
  • Progressive: Progressive stands out for its usage-based auto insurance program, Snapshot®, which rewards safe driving behavior. With a strong online presence, Progressive offers a wide range of coverage options and discounts.
  • Nationwide: Nationwide offers a variety of insurance products, including auto, home, and pet insurance. They differentiate themselves through their “On Your Side” promise and an array of coverage options tailored to individual needs.
  • Liberty Mutual: Liberty Mutual provides a range of insurance products, including auto, home, and renters insurance. They emphasize personalized coverage and offer unique features like accident forgiveness and new car replacements.
  • USAA: Catering primarily to military members and their families, USAA offers comprehensive coverage options with a focus on customer service. Their dedication to serving their target demographic sets them apart.

These competitors, each with their own strengths and unique selling points, contribute to a dynamic insurance market. As customers weigh their options, Allstate North American Insurance Company strives to stand out by offering comprehensive coverage, innovative tools, and personalized service.

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Allstate North American Insurance Company Claims Process

Ease of Filing a Claim

Allstate North American Insurance Company offers a user-friendly claims process that caters to the diverse needs of its policyholders. Customers can file claims through multiple channels, including online, over the phone, and through mobile apps. This accessibility ensures that policyholders can choose the method that suits them best, making the claims process hassle-free and convenient.

Average Claim Processing Time

Timeliness is crucial when it comes to insurance claims, and Allstate strives to provide efficient service. On average, the company maintains a competitive claim processing time, ensuring that policyholders receive quick responses and settlements when they file a claim. This commitment to a swift resolution helps alleviate stress during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction with claim resolutions and payouts is a pivotal aspect of any insurance company’s reputation. Allstate North American Insurance Company has garnered feedback from policyholders, and their experiences highlight the company’s dedication to fair and transparent claim resolutions.

Digital and Technological Features of Allstate North American Insurance Company

Mobile App Features and Functionality

Allstate’s mobile app is a robust tool that empowers policyholders to manage their insurance needs conveniently. The app offers a range of features and functionality, including policy management, bill payments, and claims filing. Additionally, it provides access to innovative tools like Drivewise®, allowing users to track their driving habits and potentially earn rewards for safe driving.

Online Account Management Capabilities

For those who prefer online account management, Allstate offers a seamless digital platform. Policyholders can access their accounts, review policy details, make updates, and even file claims through the company’s website. The intuitive online interface enhances the customer experience by providing 24/7 access to essential insurance services.

Digital Tools and Resources

In the digital age, having access to resources and tools is paramount. Allstate North American Insurance Company provides a wealth of digital resources to assist policyholders in making informed decisions. These resources include educational materials, calculators, and interactive tools that help individuals assess their insurance needs and explore coverage options.

These digital and technological features underscore Allstate’s commitment to leveraging technology to enhance customer convenience and engagement. The company’s mobile app, online account management capabilities, and digital resources collectively contribute to a more seamless and user-friendly insurance experience.

Frequently Asked Questions

Is Allstate North American Insurance Company a reputable insurer?

Yes, absolutely. Allstate holds an A+ A.M. Best rating, indicating its strong financial stability and ability to meet policyholders’ claims obligations.

What types of insurance does Allstate offer?

Allstate offers a wide range of insurance coverage, including auto, homeowners, renters, life, and supplemental health insurance.

How does Allstate’s Drivewise program work?

Drivewise is an innovative program that rewards safe driving habits. By monitoring driving behavior, such as speed, braking, and time of day, policyholders can earn discounts on their auto insurance premiums.

Can I save money by bundling multiple insurance policies with Allstate?

Yes, Allstate offers a multi-policy discount for bundling different insurance policies, such as auto and homeowners insurance.

Is Allstate’s claims processing transparent?

Yes, Allstate aims for transparent and efficient claims processing to ensure policyholders receive quick and fair compensation.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Allstate

4.00 (11,413 reviews)
1
July 12, 2024

Kebbeh_Family

Allstate Denied Responsibility-Customer Backed Into Us

In June 2024, our vehicle was proceeding through a parking lot when a pickup truck backed out into the back passenger side. It happened so quickly, my husband had no time to notice - let alone react. Rather than accept full liability for their customer's negligence, Allstate opted to take 80% liability and hold us responsible for the other 20%. They had no police report - police refused to come out. Neither vehicle had a dash cam, and witness...
In June 2024, our vehicle was proceeding through a parking lot when a pickup truck backed out into the back passenger side. It happened so quickly, my husband had no time to notice - let alone react. Rather than accept full liability for their customer's negligence, Allstate opted to take 80% liability and hold us responsible for the other 20%. They had no police report - police refused to come out. Neither vehicle had a dash cam, and witnesses weren't available. Since we couldn't provide either, they decided to go the cheap route. The repairs were $6,000, and they begrudged 20% because they could. There's not enough policing of insurance company practices. We now have a dashcam since it's clear that unscrupulous companies like Allstate are more concerned with keeping their bonuses and profits than making customers 'whole' again. Google this company, check the BBB, and you will see Allstate regularly denies valid claims. The behavior continues unchecked.
3
June 20, 2023

EveC

Always lose arbitrations

I had gotten backed into. Have audio of it. Have video of her driving away with her damage and license. Have him on audio with his phone # and saying her name threatening if we call it into insurance. Allstate still lost the case and I'm out a deductible! In the 90's taxi ran stop sign police report said looked exactly like what happened and Allstate still lost that one too!!! Bye bye Allstate!
0.5
October 17, 2022

Valencia Harris

ALLSTATE INSURANCE

PLEASE DO NOT SUBJECT YOURSELF TO THIS HORRIFIC EXPERIENCE. I wish I had come to this site before made the HUGE mistake of switching my auto insurance and bundling it with Allstate. They were fine as my homeowner\'s plan. I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. I paid my policy in full, was mistake #1, In October my Allstate coverage increased by 89.00, I ...
PLEASE DO NOT SUBJECT YOURSELF TO THIS HORRIFIC EXPERIENCE. I wish I had come to this site before made the HUGE mistake of switching my auto insurance and bundling it with Allstate. They were fine as my homeowner\'s plan. I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. I paid my policy in full, was mistake #1, In October my Allstate coverage increased by 89.00, I called to get an explanation, to call this a customer service department would be a LIE! There was NO customer services at all, in fact speaking with Juan and Pat was like speaking with a child who had yet to learn how to comprehend, think or articulate. They simply read the document I had in hand to me as if I couldn\'t read even though I told them I have it, but it doesn\'t give an explanation of why the increase took place. The only response I received from either of them was insults Pat told me I could cancel my coverage as if she didn\'t care, Juan told me nothing. I am so disheartened cause I will need to start looking for other coverage and it seems like the staff these establishments are hiring are inept and inadequate they aren\'t able to function. They won\'t let you speak with a supervisor, one rattled paper in the phone to get me off of the phone. They ar enasty and purposely unhelpful, I wrote Allstste on line and never received a response from their customer service.
1
June 4, 2022

Keith_G__

As Discriminatory As You Can Possibly Get

My wife worked at one of Allstate's satellite offices. I proposed to her over the weekend. On Monday, her boss fired her after showing her ring off to a coworker. He took her into his office and explained she was being fired because he "believed in the Bible." My wife and I called Allstate HR at the corporate office and told them what had happened and they told us that because my wife worked at a satellite office, which were owned and run by indi...
My wife worked at one of Allstate's satellite offices. I proposed to her over the weekend. On Monday, her boss fired her after showing her ring off to a coworker. He took her into his office and explained she was being fired because he "believed in the Bible." My wife and I called Allstate HR at the corporate office and told them what had happened and they told us that because my wife worked at a satellite office, which were owned and run by individual people, those satellite offices could be run however they wanted and none of AllStates corporate protections applied. They basically said 'too bad so sad.' A little while later, before we'd had a chance to switch insurance companies yet (a long and tedious process) I got into a car accident. The other driver ran a red light, hitting me and I was sent to the hospital. I'm a transgender man and was literally about to change my legal name within a few days. I called Allstate to file the claim and asked that they use my new legal name. They said they couldn't because it wouldn't be official for a few days. I said 'fine, I'll call back in a few days." They then threatened me and told me if I didn't file "RIGHT NOW" they wouldn't take care of my claim. I was then forced to give my statement while being deadnamed and misgendered the entire time. Believe it or not this story it gets worse. So months go by. MONTHS. The insurance that was paying for a rental car runs out. I still have no reimebursment so I cannot buy a new car (mine was totaled.) I'm bein harassed by the bank over my car note, which obviously I wasn't paying since my car was totaled and Allstate was SUPPOSED to reimburse me for nearly everything. I had excellent coverage and excellent credit. I'm in constant contact with them. E-mails, phone calls, more e-mail, more phone calls. Every. Single. Day. And they will not give me the money. Excuse after excuse, and I'm deadnamed and misgendered every single time. Even though now my legal name has changed, they insisted on putting my dead name and wrong gender on the original report. So now people are VERY confused when they talk to me, hearing my deep masculine voice and seeing my pretty feminine name on paper. THANKS ALLSTATE! I was humiliated, endlessly, every day for over NINE MONTHS. Meanwhile, my wife is driving me to and from work because the insurance covering the rental car ran out months ago. My credit is being destroyed because I have no insurance money to buy a new car or pay the bank for the old car fee with, and I'm still recovering physically from the crash. I end up getting a lawyer and I told them "give me my money you've owed me for over 9 months now by tomorrow or I'm suing you." Magically, the next day, all the money was released. Allstate put me through a [REDACTED WORD] I cannot describe properly on this complaint. I never imagined in all my life how much hardship and hurt an insurance company could truly cause. Stay away. Far FAR away.
1
February 15, 2022

brenda_trammell

RUDE CUSTOMER SERVICE AND SCAMMERS!!!

worse insurance EVER !!! STAY AWAY !!!and i have had a few RUDE CUSTOMER SERVICE AND SCAMMERS MY PAYMENT FOR THE MONTH WAS A 100.00 MORE AND 1ST CS PERSON TRY TO TELL ME OVER SOME PAPER WORK THAT I GOT AND DIDNT SIGN, NEVER HAPPEN!! AND THE STUPID LADY I TALK TO NEXT TOLD ME IT WENT UP FOR TALKING IT OFF OF AUTO PAY WTH [REDACTED]
1
February 11, 2022

Akiraw1_

The worst insurance ever

Absolutely the worst insurance company ever complete liars scammers and they charge a ridiculous price….Liberty mutual is the best route if you ask me
1
January 6, 2022

pirish101

Way overpriced! Will scam you if you cancel!

After shopping around I found a policy that was 1/3 the cost (Literally 1/3 the cost) and cancelled. After canceling I was charged 30% of the yearly fee after only having insurance for 13 days. Total scam hidden in the fine print.
1
January 2, 2022

Carolyn0022

Untrained and Ignorant CS Team and Managers

All the customer service reps and their managers are ignorant. They will have me scenarios on how they are not liable for the damages. I called many times and talked with many people there. All are stupid and unhelpful!! Stay away
1
December 17, 2021

Allstate_Sucks_in_CA

Allstate SUCKS

Horrible experience! I've been with Allstate 18 years, time to change companies, they suck. Filed an auto claim 5 months ago, car has yet to be repaired. Allstate has provided every excuse from repair shop isn't listed as preferred supplier, even though Allstate provided me with the shop contacts to billing issues with subcontractors with the shop. Now I'm told the estimate that was done 2 months ago wasn't done correctly and another adjuster has...
Horrible experience! I've been with Allstate 18 years, time to change companies, they suck. Filed an auto claim 5 months ago, car has yet to be repaired. Allstate has provided every excuse from repair shop isn't listed as preferred supplier, even though Allstate provided me with the shop contacts to billing issues with subcontractors with the shop. Now I'm told the estimate that was done 2 months ago wasn't done correctly and another adjuster has to look at it. Funny, Allstate knows how to cash my check every month. Too many insurance companies out there to pay for crap experiences like this, go someplace else.
3
August 9, 2021

Shaytys50_

Unprofessional Agent

My experience with the agent that handled my uninsured Motorist bodily injury claim. The Agent was very rude, she was very unprofessional, I was in a bad accident on 4-22-2021, I wasn’t the cause of the accident. Someone hit me while I was sitting at a red light. Hit me from the back. And the driver drove off, so I reported the accident to My!!! Insurance Company!!! Allstate! I been A Customer of Allstate for over 8 years! And the way I was t...
My experience with the agent that handled my uninsured Motorist bodily injury claim. The Agent was very rude, she was very unprofessional, I was in a bad accident on 4-22-2021, I wasn’t the cause of the accident. Someone hit me while I was sitting at a red light. Hit me from the back. And the driver drove off, so I reported the accident to My!!! Insurance Company!!! Allstate! I been A Customer of Allstate for over 8 years! And the way I was treated by the one Agent! She has know customer service skills. Her name is [REDACTED NAME].
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<h3>Allstate North American Insurance Company Monthly Auto Insurance Rates</h3>
<h3>Allstate North American Insurance Company Monthly Auto Insurance Rates</h3>