Allstate Auto Insurance Review 2025

4.7

Jerry rating

Our Take

Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.

Pros

• Offers rewards for safe driving.
• Pay-per-mile policy may save infrequent drivers money.
• High financial strength rating from AM Best.
• Available in all 50 states.

Cons

• Below average ratings from J.D. Power and the CRASH Network.
• Lacks unique optional coverages.

Allstate auto insurance review

Jerry rates Allstate car insurance 4.7 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, the company’s financial strength, customer ratings and national complaint data.

You’re likely to find what you need with Allstate — the insurer offers a relatively long list of discounts and coverage customizations, including classic car and additional coverage in Mexico — but may be missing out on top-tier customer service. Allstate performs slightly below average in J.D. Power consumer satisfaction ratings and with the CRASH Network.

Allstate car insurance is available in all 50 states. Drivers can start a quote online, over the phone or via a local agent.

Is Allstate a good car insurance company?

Allstate may be a good option for drivers who don’t file many car insurance claims and qualify for one or more of the insurer’s discounts. High-risk drivers and those who require SR-22 documents may be referred to National General or Direct Auto, which are owned by Allstate.

It’s wise to get car insurance quotes from multiple companies to find the right coverage for you at a good rate.

How much does Allstate car insurance cost?

Allstate car insurance may cost more than its competitors for many drivers, however, your rate is based on factors such as your age, location, the type and age of your vehicle, your driving record, other drivers on your policy, and the amount of coverage you want.

Allstate car insurance discounts

Allstate offers a solid list of discounts. Here’s how to save with Allstate:

• Equip your car with anti-lock brakes.
• Own a new car.
• Add anti-theft features to your car.
• Set up automatic bill payments.
• Have more than one policy with Allstate.
• Go paperless.
• Sign your policy more than seven days before it’s effective.
• Pay for your full policy up front.
• For students, maintain an average grade of B- or above, or a GPA of 2.7 or higher.
• For drivers under 25 years old, complete the teenSMART driver education program.

Allstate also has a safe driving rewards program that gives enrolled policyholders $100 back in savings every year they drive without getting into an accident. The maximum is $500.

Does Allstate offer insurance based on driving behavior?

Yes. Allstate has two insurance programs that factor driving behavior into your policy costs.

Drivewise is the insurer’s telematics program. The Drivewise mobile app tracks drivers’ behavior while they drive and rewards safe driving habits with lower rates. Your speed, braking habits and the time of day that you drive factor into your rate when you use Drivewise.

Milewise is the insurer’s pay-per-mile program. It gives drivers a base policy rate and adds the mileage rate on top of it. This means policyholders’ premium costs could vary, but those who don’t drive much could save money.

Allstate car insurance coverage options

Like most insurers, Allstate offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.

• Coverage definitions

  Coverage	Definition
  Collision	Pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive	Covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Liability for Bodily Injury (BI)	Helps cover medical costs sustained by others in an accident you cause. It’s mandatory in most states.
  Liability for Property Damage (PD)	Helps pay for repairs or replacements of any vehicles or objects you damage. It’s mandatory in most states.
  Personal Injury Protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical Expenses (MedPay)	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states
  Uninsured/Underinsured Motorist (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance or carries insufficient coverage to pay for your costs.

The insurer also offers the following optional coverages:

• Roadside protection pays for resources to help your car get going when it breaks down away from home. It can cover things like towing, tire changes, fuel delivery and jump-start services.
• Rental reimbursement covers car rental fees while your car is being repaired.
• Classic car insurance offers tailored coverage for classic cars, which can have unique builds and require special parts if damaged.
• Mexico car insurance covers you and your car when you travel to Mexico. Most policies don’t extend to Mexico, so additional coverage is usually required. 
• Gap insurance pays the difference between a financed or leased vehicle and its cash value if it’s totaled.
• Rideshare insurance is coverage for ride-hailing and delivery drivers while they wait for requests, a time when they’re usually not covered by another policy.

Industry ratings of Allstate car insurance

Allstate lands in the middle on most industry reports. The insurer ranks near average in J.D. Power’s consumer satisfaction studies and gets about the expected number of consumer complaints.

• NAIC details

  Allstate’s consumer complaint index for private passenger policies was somewhat higher than expected from 2021 to 2023, according to the National Association of Insurance Commissioners (NAIC). This means the insurer had slightly more complaints than expected for a company of its size.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the governing body for insurance in the United States. It sets standards, analyzes insurer financial filings, maintains reporting and more for insurance companies.

• CRASH Network details

  CRASH Network, an automotive industry trade publication, gives Allstate a D+ in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States “how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for motorists.”

  Allstate is ranked No. 80 out of 88 insurers rated.

  In 2024, the CRASH Network’s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on the CRASH Network’s website.

• J.D. Power details

  Allstate performed below average in J.D. Power’s 2024 Auto Insurance Shopping Study with a score of 664 out of 1,000. The insurer is ranked No. 12 of 17. This study measures consumers’ satisfaction with the auto insurance shopping process.

  
  The company is No. 15 of 21 insurers rated in J.D. Power’s 2024 Auto Claims Satisfaction Study as well. Allstate scored 691 out of 1,000 in the study. This survey measures customer satisfaction with their insurers’ claims process, which may be one of few interactions they’ll have with the company during their policy.

  J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.

• AM Best details

  AM Best gives Allstate a financial strength rating of A+, which means the insurer has a superior ability to pay out claims. The highest an insurer can score is A++ and the lowest is D.
  

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Customer reviews of Allstate

More than a thousand Jerry customers have used and reviewed Allstate’s auto insurance and have given the company a relatively good overall score. 

Jerry customer reviews

4.0

1,100 Reviews

Ratings

5 Stars

50%

4 Stars

20%

3 Stars

18%

2 Stars

5%

1 Star

7%

How to contact Allstate

Current policyholders can log in to their Allstate profile to view documents, make payments or update their profile settings. The company also has a well-rated mobile app where drivers can access their ID cards and start or manage a claim.

General: 800-726-6033.

Claims: 800-255-7828.

Methodology

We looked at over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.

These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts