If you’re considering checking out Allstate car insurance quotes, keep in mind that the company has many insurance options and stellar service, but your rates may be higher than from competitors.

Allstate pros and cons

Pros	Cons
The claims process is simple and convenient	Car insurance rates are often more costly than average
The company has a reputation for stellar customer service	No option to subscribe to annual payment plans
There are plenty of opportunities to bundle your services

How much does Allstate insurance cost?

Most drivers can expect their Allstate insurance policy to cost somewhere around $1,180 a year or approximately $170 a month.

One of the biggest factors that will determine the cost of your insurance plan is your desired coverage limits. For example, Allstate’s most comprehensive coverage plans cost about $1070 for a six-month premium, while the most affordable options might be as low as $378 for the same six months.

These averages will vary according to the state you live in, as well as your credit score, age, driving record, and

the deductible

you choose (if you have one).

What types of car insurance does Allstate offer?

If you’re looking at car insurance quotes from Allstate, here are some of their basic auto coverage offerings. Keep in mind that policies can differ greatly based on many factors such as location, age, and driving record.

Liability coverage: Liability policies protect you up to your policy’s limit should you be found at-fault in a car accident. Basic

liability insurance

covers the expenses associated with the accident for the other party involved.

Collision coverage: Allstate’s

collision coverage

protects you in the event of a collision. This includes situations where you might hit another car or stationary object and situations when another vehicle collides with your parked car.

Comprehensive coverage: Allstate’s

comprehensive coverage

protects your vehicle in non-collision situations like floods, fire, vandalism, and theft.

Medical payments coverage: Allstate’s

medical payment coverage

is an optional add-on that helps cover the costs of any medical expenses to you or your passengers up to your policy’s limits. This coverage kicks in for medical bills that are related to a collision where you are found at fault.

Uninsured/underinsured motorist coverage:

Uninsured and underinsured motorist coverage

is designed to protect you should you find yourself in an accident with an at-fault driver who doesn’t have sufficient liability coverage. Uninsured motorist protection is legally required in some states, but it’s a good investment even if it’s not mandatory.

Rental reimbursement coverage: When you invest in Allstate’s optional

rental reimbursement coverage

, you will be protected up to your policy’s limit for any relevant transportation expenses while your vehicle is being repaired for a covered incident.

Sound system coverage: Allstate’s

sound system coverage

is an optional feature that will cover the expenses, up to the policy limit, associated with repairs or replacement of an aftermarket sound system and speakers.

Towing and labor coverage: Allstate’s optional

towing and labor cost coverage

package covers the costs of services should if you’re stranded at the side of the road following a breakdown.

Roadside assistance coverage: Allstate’s Roadside Assistance plan provides you with 24/7 country-wide roadside assistance services, up to your policy limit. It includes towing, tire changes, jumpstarts, lockouts, and fuel delivery (you’re responsible for the cost of the fuel).

Personal injury protection coverage: This popular option is often referred to as no-fault or

PIP coverage

and is designed to cover any relevant medical costs associated with a claimable incident, regardless of who is at fault. In some circumstances, it will also cover lost wages. This type of insurance is required in some states.

Personal umbrella coverage: Allstate’s Personal Umbrella Policies go above and beyond their standard insurance offerings. These policies offer you great coverage options to ensure that your valuable assets are especially well-protected.

Property protection coverage: If you live in

Michigan

, you are required to have property protection coverage for your vehicle. Allstate’s Property Protection Coverage plan will cover up to $1 million in damages in the event that another Michigan resident’s property is damaged in a vehicle accident where you are found at fault.

Classic car insurance coverage: Allstate’s optional

classic car insurance

will provide added protection for your classic car that goes above and beyond standard policy options.

Rideshare insurance coverage: If you are a rideshare driver, Allstate’s

rideshare insurance

package might be a good option for you. Your personal Allstate insurance policy will not cover the business use of your vehicle while operating for a rideshare service like Lyft or Uber, so this coverage can help fill the gaps.

Did you know: Liability coverage is legally required in almost every state. There are two types of liability coverage:

bodily injury liability coverage

and

property damage liability

coverage.

To make sure you have adequate coverage, it’s generally a good idea (and often required) to purchase a car insurance policy that has both.

Allstate’s auto insurance discounts

Allstate is a large and diverse provider that offers a wide range of discounts. Never underestimate the power of discounts when it comes to saving money on your auto insurance policy.

Here are some of the notable car insurance discounts offered by Allstate:

TeenSMART discount

Defensive driver discount

New car discount

Multiple policies (bundling) discount

Good student discount

Discount if your car has anti-lock brakes

Anti-theft device discount

Early signing discount

Discount if you didn’t receive cancellation notice for non-payment in the past year

Discount for setting up automatic withdrawals

Paperless discount

Discount for paying upfront

Safe driving discount

Allstate vs. other insurance companies

Now that you have an idea of the services that Allstate provides, you might be wondering if their car insurance is the right choice for you. Here is a quick summary of how Allstate stacks up to the other two big providers:

Progressive

and

State Farm

Allstate vs. Progressive

While Allstate customers tend to report higher levels of satisfaction with their services, Progressive offers better opportunities for cost-saving, especially for those who have less-desirable credit scores or driving histories.

The bottom line: No matter what demographic category you fall into, you are likely to get a better rate with Progressive than with Allstate, although you might not get the same level of satisfaction with Progressive.

Allstate vs. State Farm

Once again, Allstate insurance rates tend to be significantly higher than State Farm’s. This might be especially true if you fall into a category that might help you snag a lower rate, but State Farm policies also tend to be more affordable for those who fall into less desirable categories as well.

There’s an exception, though—Allstate has the more affordable coverage options for those with a credit score under 500. If you are working to build up your credit, Allstate is the provider that will offer you the more reasonable package.

Overall: Allstate car insurance is not cheap, but it could be a good option if you are looking for reputable coverage and opportunities to save by bundling your services.

How to get an Allstate insurance quote

Allstate provides a quote-generating tool on their website, but note that customers occasionally report inconsistent or misleading results. You can always call up an Allstate agent or drop by a branch if needed.

How do customers rate Allstate auto insurance?

According to the

2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study

, Allstate customers report average satisfaction in the following categories:

Claim Servicing

First Notice of Loss

Overall Satisfaction

Rental Experience

Settlement

According to the same survey, customers tend to rate Allstate’s service as better than average in two categories:

Estimation Process

Repair Process

Similarly, the

2018 U.S Auto Insurance Shopping Study

has found that State Farm clocks about average in all the following categories:

Call Center Representative

Insurer Website

Local Agent

Overall Satisfaction

Policy Offerings

Pricing

Florida residents: You might want to consider Allstate—JD Power and Associates

has awarded

it the highest-ranking position in this region for 2020.

Allstate’s services and features

Digital Locker®

The Allstate Digital Locker® app is a handy home inventory tool that will help you accurately assess your losses in the event of a claim.

The Allstate® Mobile App

The Allstate® mobile app is a worthwhile download that provides intuitive on-the-go access to the following services:

Access to digital proof of insurance (pink card)

The ability to review your current coverage plan and request changes

The ability to review and pay your bills

Instant notifications relating to your policy or account

Easy access to contact information and support

Access to the Drivewise feature to get constructive insight into your driving habits

The ability to snap and upload claim photos

Roadside Assistance

Allstate provides reliable and trackable roadside assistance plans that give you the flexibility to subscribe to everything you want (and leave out what you don’t).

If you don’t have an existing policy with Allstate, their Roadside Assistance membership plan allows you to enjoy roadside assistance coverage without having to buy into anything else.

The Pay-Per-Use will have you covered even when you aren’t subscribed to a membership plan, while the Insurance Add-On option allows you to combine a Roadside Assistance Membership plan with your existing Allstate insurance coverage.

Allstate Car Buying Service

Allstate Car Buying Service is a nifty online tool that is designed to help you price out your next vehicle purchase.

The Claim Satisfaction Guarantee

Allstate backs their claims with a unique money-back guarantee that you can use if you aren’t happy with your assessment.

The Milewise Program

The Allstate Milewise Program is an optional policy feature that allows you to calculate your premiums according to the number of miles you drive. It is a great option if you drive on an infrequent basis.

The Drivewise® Program

The

Drivewise

® Program is an optional app feature that will track your driving habits in real time. It is a great option for anybody who is confident in their safe driving habits and is looking for opportunities to save.

How to file a claim with Allstate

If you need to file a claim, the most convenient way to get the process underway is to sign in to your Allstate account or mobile app. Remember that the sooner you file your claim after an incident, the better your claims process should be from start to finish.

You can also call the company directly or swing by one of their branches for support. Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process.

In order to ensure the claim filing process goes as smoothly as possible, be prepared to provide the following information. (Using the mobile app will make it easier to upload any relevant data quickly and efficiently.)

The location, date, and time of the accident

The names, addresses, phone numbers, and insurance policy numbers of anybody else involved

A summary of the weather conditions

Photo evidence of the accident scene and damage

Any relevant copies of the police and/or accident reports

Once the claim is filed, it's a good idea to review your policy so you have an idea of what kind of payout or assistance you might expect. Remember that Allstate offers a claim satisfaction guarantee program, so you can always reject your claim if you aren’t satisfied with the outcome.

Once your claim is approved, you can proceed with the repairs and secure a replacement vehicle (if it is part of your coverage plan).

Payment methods accepted by Allstate

Allstate offers a full range of payment options to suit your needs:

Automatic Online Payments

Bank Payment/Direct Deposit

Credit Card

Debit Card

Electronic Check

Mail Payments

Mobile App Payments

Online Payments

Person to Person

Phone Payment

Prepayment

PayPal

Text Payments

Allstate’s car insurance cancellation policy

Allstate doesn’t make it particularly easy to cancel your existing

Allstate insurance coverage plan

. While you can modify your policy via their app or online platform, you will have to call to speak to an agent to cancel.

Make sure you have the effective policy cancellation date written down so that you can ensure a smooth transition to your new policy. It also doesn’t hurt to ask about potential discounts that might be available to you should you choose not to cancel your policy.

Allstate insurance background

Way back in 1931, General Robert E. Wood wanted to pioneer a convenient way to sell insurance by mail. It was from here that the insurance giant Allstate was born.

Today Allstate is one of the largest and most trusted insurance providers in the country.

Headquartered in Northbrook, Illinois, the financial behemoth is best known for its car insurance packages. The wide range of products and services makes them a great pick for anybody who prefers to do all their business in one place.

The takeaway: Is Allstate insurance company right for me?

Allstate won’t typically be the most affordable option for insurance, but the company offers some great perks in relation to other national providers.

Their high claim reliability rankings and Claim Satisfaction Guarantee program make Allstate a great choice for anybody who wants to make sure that their insurance provider will come through when they need it most.

If you want to find out more about whether Allstate is the right provider to meet your insurance needs, you will need to find time to compare car insurance quotes. Thankfully,

Jerry

’s convenient insurance comparison app will help you find the perfect policy options that suit your needs.

"I just had to buy a new car, and I needed quick help to get insurance before I could get my plates. Because I work so many hours,
Jerry
was the ideal choice for getting things done without long phone calls and waiting periods.” —Rosa G.

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