Allstate Insurance Review
- With 4.4/5 stars in 2024, Allstate is a very reliable insurance company.
- Read Allstate reviews, complaints and prices before you buy.
Allstate insurance: Ratings and reviews
Whether you're a seasoned Allstate policyholder or a potential customer looking to switch, deciding on a reliable insurance provider to protect you and your vehicle — in addition to finding the best price — can pose a challenge every time your policy is up for renewal.
In our analysis of Allstate, we found the company's rates are often more expensive than rates from competing companies of similar size with a comparable range of coverage options and discount opportunities. It's ultimately up to the driver to decide if Allstate is worth it for the price.
Allstate is typically rated favorably by reputable third-party organizations. In the latest assessment of Allstate's claims satisfaction, financial outlook and national complaint ratio (seen below), the company logged fewer complaints than the national median, alongside healthy finances that are critical in paying out claims to policyholders.
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Exceptional scope of coverage options and benefits
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Excellent financial backing
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Low number of consumer complaints
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Generally expensive compared to other insurers
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Pricey premiums for teen drivers and those with recent tickets or accidents
Is Allstate a good insurance company?
The majority of The Zebra's review incorporates how well Allstate scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Claims Satisfaction:Â Above average
- Allstate earned Above average marks in J.D. Power's most recent auto claims satisfaction study[1]
Customer Satisfaction: Below average
- J.D. Power also rated Allstate as Below average in overall auto customer satisfaction[2]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Allstate[3]
Financial Strength: Superior
- Allstate received a Superior financial strength rating from A.M. Best for its ability to pay out claims[4]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, Allstate scored 8.49/10 overall, putting it in 15th place.
Allstate vs. other top insurance companies
How much does Allstate insurance cost?
Currently, the national average for a 6-month car insurance policy is $880, whereas Allstate is about $1206 or 37% more expensive than a typical policy, so definitely not one of the cheapest auto insurance options available.
The table below shows how Allstate auto insurance compares against other top insurers.Â
| Company | Avg. Monthly Premium |
|---|---|
| Allstate | $201 |
| American Family | $131 |
| Farmers | $149 |
| GEICO | $129 |
| Mercury | $182 |
| Nationwide | $123 |
| Progressive | $157 |
| State Farm | $131 |
| Travelers | $112 |
| USAA | $114 |
Similar to any insurance company, pricing for Allstate auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Allstate's car insurance premiums for different age brackets.
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $602 |
| 20s | $272 |
| 30s | $207 |
| 40s | $205 |
| 60s | $192 |
| 50s | $191 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
Allstate offers a number of ways to put money back in your pocket; the scope of these discounts is comparable with many of Allstate's competitors. Individually, these discounts tend to be quite small but can add up to chip away at your total insurance premium.
- Multiple policy discount: If you bundle renters, home or life insurance with your auto insurance, you can earn a multi-policy discount. Allstate claims a savings of 25% by bundling home and car policies.
- New car discount: Covering a new vehicle with Allstate can land you a discount.
- Smart student discount: Full-time, unmarried students under age 25 with good grades can earn a student discount.
- Early signing discount:Â Get this Allstate discount by signing your policy documents at least seven days before your policy inception date.
- Responsible payer discount:Â After your first year with Allstate, you can earn a discount if you did not receive a cancellation notice for non-payment your previous year.
In addition to what's listed above, Allstate offers other discounts for having anti-lock brakes and anti-theft devices, as well as some quote-specific discounts like pay-in-full and going paperless. View all of Allstate's discounts here.
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What types of coverage does Allstate offer?
Allstate provides all of the basic insurance coverage options like liability insurance, comprehensive and collision coverage, uninsured motorist coverage and more. The company offers an ample number of coverage options that are comparable with those of other large insurance companies like GEICO, State Farm and Liberty Mutual.
Additional features (and benefits) available through an Allstate insurance policy are detailed below. Some of these endorsements may come at an additional premium but could be worth adding to increase your level of protection on the road.
- Rental reimbursement: This covers the cost of a rental car while your vehicle gets repaired following a covered accident.
- Roadside assistance: Allstate has a few options for roadside assistance — via membership plans or pay-per-use.
- Rideshare coverage: Allstate's Ride for Hire program protects you while you're driving for rideshare apps.
- Classic car insurance: If you've got a unique classic car, Allstate can provide coverage.
- Mexico car insurance coverage: This separate policy covers American and Canadian drivers in Mexico.
Read more about Allstate's coverages here.
Allstate Drivewise
Drivewise is Allstate’s telematics insurance program. Drivewise uses a mobile app to rate your driving behavior behind the wheel, which is used for pricing your premium. It measures things like speed, braking and time of day driven to calculate your rate. Good driving habits can earn you a big discount.
Allstate Milewise
Allstate's pay-per-mile program, Milewise could be a good option for occasional or low-mileage drivers. Milewise uses an app and a plug-in device for your car to evaluate mileage and driving behavior. Your premium is the sum of two factors: the daily rate plus the per-mile rate. These are adjusted based on the previous six months of driving data when it's time to renew your policy. Milewise drivers can save on their rates by being safe drivers — by avoiding speeding, sudden braking and late-night driving. This program is only available in select states.
Allstate insurance review: Summary
Allstate is one of the most expensive car insurance companies compared to its competitors but provides a great range of coverage options and myriad discount opportunities, including options for pay-per-mile for infrequent drivers and a telematics program. It also has a great reputation for claims satisfaction, lower than average number of consumer complaints and superior financial strength. We believe it's a great option for most customers, but you should know to be wary of the price when you get your quote.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Allstate insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.