Allstate is one of the biggest car insurance companies around and is available in all 50 states. If you prefer in-person service, it could be a good choice due to its extensive network of agents. It offers multiple discounts and a variety of policy types, including coverage if you’re a rideshare driver and for vehicles such as RVs and ATVs.
Unfortunately, it also has an above-average number of customer complaints according to the National Association of Insurance Commissioners.
Learn more in this Allstate auto insurance review.
Allstate: Is it worth it?
|Our verdict: Allstate has extensive auto coverage options and discounts to help customers customize their coverage and get only what they need. It also has an extensive network of local agents to help customers who want to deal with someone directly. Despite all the options, be aware that customer complaints are higher than the industry average.|
What is Allstate?
You’ve probably heard commercials and advertising for Allstate’s famous “you’re in good hands” slogan. Although it seems like the company is everywhere right now, it has a long history of selling insurance products.
Founded in 1931 during the Great Depression by General Robert E. Wood, Allstate was an off-shoot company of mail-order and department store Sears and originally sold insurance exclusively via mail order.
Today, Allstate is headquartered in Northbrook, Illinois, and is one of the most recognized names in insurance and the fourth largest auto insurance provider in the U.S. It has an A+ rating for financial strength from AM Best and a mix of above- and below-average customer satisfaction ratings from J.D. Power, depending on the region.
As of 2021, there are 16 million Allstate customers and more than 175 million Allstate policies in all 50 states.
|Types of coverage||
|Where you can use it||Allstate mobile app for iOS and Android|
|Customer support||Allstate offers 24/7 support and FAQ pages through their website
For general questions
To file an insurance claim: 1-800-669-2214
|Availability||All 50 states and Washington, D.C., though coverage options may vary based on state laws and requirements.|
What insurance does Allstate offer?
Allstate offers a variety of insurance coverages that could help you meet state minimum requirements and ensure you’re covered for whatever the road brings. Available Allstate car insurance coverage options and add-ons include:
- Liability: Liability coverage helps to cover costs related to injury, death, or property damage to others when you’re at fault in an accident. Having bodily injury and property liability coverage is typically required by state law.
- Medical payments: Medical payments coverage helps with medical expenses for you or your passengers after an accident.
- Uninsured motorist and underinsured motorist: This coverage assists with expenses related to being hit by a driver who doesn’t have insurance or who doesn’t have enough insurance to cover the damage done to cover your medical expenses. It may also cover property damage depending on your state and the coverage you choose.
- Personal injury protection (PIP): PIP is similar to medical payments insurance, except it may cover additional items such as assistance services if you can’t work after an accident. PIP insurance is not available in all states.
- Collision: Collision insurance assists in covering expenses related to damage to your vehicle from an accident or other type of collision.
- Comprehensive: Comprehensive car insurance helps to cover expenses related to damage caused by events other than an accident such as vandalism, theft or attempted theft, hail, fallen trees, or hail. A lender or leasing company may require you to keep both collision and comprehensive coverage for the length of your loan or lease. Liability coverage combined with collision and comprehensive coverage is sometimes referred to as full coverage.
- Personal umbrella policy: A personal umbrella policy provides liability coverage above and beyond your regular auto policy limits.
- Rental reimbursement: Rental reimbursement helps to cover the cost of renting a car while your vehicle is undergoing repairs after a covered accident.
- Accident forgiveness: If you’re in an accident— even if it's your fault— your rates won't increase if you add this coverage to your policy.
- New car replacement: If your new car is totaled within the first two model years, Allstate will replace the car completely, not just send you a check for the current (depreciated) value.
- Roadside assistance: You can add three different types of roadside assistance through Allstate: Pay-per-use starting at $119 per tow, an annual membership plan starting at $89 for the first year, or you can add roadside assistance coverage to your insurance policy starting at $25 per vehicle per policy term.
- Rideshare insurance: Regular car insurance doesn’t usually cover business use of your car. If you drive for a rideshare company such as Lyft or Uber, the company may be required by state law to provide you with coverage. You may want more protection, however. Rideshare insurance provides additional coverage to help protect you while you’re working.
Although Allstate has many coverage options, state limitations may restrict the type or amount of coverage available in your area. If you’re searching for a particular kind of coverage, you may need to contact an Allstate agent for help.
In addition to auto insurance, Allstate offers other insurance policies, such as homeowners and renters insurance, that may provide a discount for bundling with your auto policy. Some of the additional types of insurance that Allstate offers include:
- Homeowners insurance
- Off-road vehicle
- Term life insurance
- Business insurance
- Identity protection
- Phone protection
Allstate: How cheap is it?
How to find discounts
Car insurance premiums are based on various factors, including your driving record, your age, gender, and location, and, in some states, your credit score.
Allstate offers the following insurance discounts:
- Anti-lock brakes discount: If your car came equipped with anti-lock brakes, Allstate might provide a discount on your premium.
- New car discount: If your car is the current or prior-year model, and you’re the first owner, you might save some money.
- Anti-theft device discount: This discount may apply if you’ve installed an anti-theft device in your vehicle, such as an alarm system or GPS locator.
Account and policy management:
- EZ pay plan discount: If you set up an automatic bank withdrawal to pay your premium, you may qualify to save additional money.
- Multiple policy discount: Having more than one policy through Allstate could help you save some cash.
- Allstate eSmart discount: Save when you go paperless by signing up for ePolicy and receive your insurance documents online.
- Early Signing discount: If you sign your policy seven or more days before it becomes effective, you’ll see some additional savings.
- FullPay discount: Paying your entire premium in full can be a good way to earn a discount with Allstate.
- Responsible payer discount: If you did not receive a cancellation notice for non-payment in the past year, you’re eligible to save on your premium.
- Safe driving club: If you meet the safe driver eligibility requirements, you can join the safe driving club and receive an additional discount on your policy.
- Smart student discount: If you are unmarried, under age 25, and have a GPA of 2.7 or above, you may be eligible for a discount. Similarly, if you’re unmarried and under 25 and have completed the teenSMART driver education program or attend school 100 miles from where your car is garaged for the semester, you may also earn an additional discount.
In addition to the policy and safe driving discounts offered by many insurance companies, Allstate offers programs that can help you save even more.
- Drivewise: Drivewise is Allstate’s safe driving program that measures your driving behavior using the Allstate mobile app. The app will give you personalized insights into how to drive safely, such as avoiding hard braking or speeding. Customers will receive a policy discount just for signing up with the program and a performance reward based on their safe driving habits. The program varies by state and may not be available in all areas.
- Allstate Rewards: The Allstate Rewards program assigns points for completing tasks such as signing up for the Drivewise program or activating your online account. The program will hold challenges to earn additional points, such as going three consecutive days without sudden braking. Points can be redeemed for travel, gift cards, or local offers based on where you live.
- Milewise: Milewise is Allstate’s pay-per-mile car insurance option. If you drive less than average, you may see significant savings using a pay-per-mile insurance program such as Milewise. Your mileage is tracked using a telemetrics device installed in your car's steering column, and monthly bills are calculated using pre-established daily and per-mile rates. Milewise is currently available in only a few states.
How to maximize savings
In addition to all of the discounts available through Allstate, there are other ways to save money on your car insurance, regardless of your provider. To make the most of your auto insurance savings, consider:
- A multi-policy discount: If you have home or renter’s insurance and car insurance policies, bundling them with the same company may help you save money. Similarly, if you have two or more vehicles insured by the same company, you may also receive a discount.
- Focus on safe driving: Having a clean driving record can be one of the best ways to save money on auto insurance. Fender benders, speeding tickets, DUIs, or braking too fast can cost you more in premiums over time.
- Install anti-theft devices: If your car doesn’t have anti-theft devices installed, consider installing an alarm system or a stolen vehicle recovery transceiver to help police recover your car if it's stolen.
- Consider raising your deductible: Opting for a higher car insurance deductible can usually help lower your insurance rates. If you raise your deductible, be sure you have enough to cover it and other repair costs in your emergency fund so that you don’t have to worry about an accident.
How to get an insurance quote from Allstate
You can request a quote over the phone by calling a local agent, or you can complete an auto insurance quote online. The online process is relatively painless and it only takes about 15 minutes to get your car insurance rates if you have your information gathered.
To get a quote from Allstate, you’ll need to have your personal and vehicle information available, as well as information about your current auto policy. Be ready to supply:
- Date of birth
- Make and model
- Vehicle identification number (VIN)
Current auto insurance information
- Name of current auto insurance provider
- Current policy limits
- Policy expiration date
Once you have that information, you can request a quote and finalize your payment in just a few steps.
- Request a quote. Enter your zip code and click get a quote on Allstates’ home page.
- Enter your personal and vehicle information. Allstate will ask for your name, address, and birthday. It will also ask about the year, make, and model of your car, including whether you own or lease your vehicle.
- Enter your current auto insurance information. Allstate will ask about your current insurance provider, how long you’ve been a customer, and your policy limits.
- Review your discounts. The website will show you all the discounts you qualify for and ask if you want to sign up for additional savings using Drivewise or Allstate rewards.
- Review and select your coverage. Allstate will offer you three options with pricing, including Basic, Standard, and Enhanced coverage options.
- Finalize your details and check out. After you select the coverage level you need, Allstate will ask for your driver’s license number, the state you’re licensed in, and your car’s VIN before asking for your payment details.
Is Allstate good at paying claims?
According to the J.D. Power 2022 U.S. Auto Claims Satisfaction Survey, Allstate is below the national average for customer satisfaction with claims. It scored 870 out of 1,000, putting it below the industry average of 880.
Allstate earned similar marks from the National Association of Insurance Commissioners (NAIC), earning two times the number of complaints expected for a company of its size.
Allstate does have an A+ (Superior) rating from AM Best, a credit rating agency, for its financial strength.
Does Allstate auto insurance cover rental cars?
Allstate will likely cover rental vehicles. If you’re driving the rental car for personal use, you are likely covered up to your policy limits and deductible amount. Still, it's always a good idea to check with your insurance provider about what is and is not covered when renting a car.
What is the most reliable automobile insurance?
When looking for reliable auto insurance, it is best to seek out a company with a long history of providing auto insurance, a solid financial footing, and a good track record of paying claims and responding to customer requests.
Although it may not be cost-effective for everyone, Allstate provides reliable coverage, has a long history of providing insurance coverage, and has insurance agents in every state to help you get the most out of your car insurance. Although some of its customer satisfaction scores are below the industry average, Allstate still provides multiple coverage options and discounts you may not find with some of its competitors.
As you research car insurance options, including Allstate in your comparisons may help you save money and find discounts you didn’t know you qualified for. Be sure to determine your coverage needs and obtain multiple car insurance quotes from the best car insurance companies to help you find the best auto insurance rates.
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.
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