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Allstate Car Insurance Review 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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Allstate is a nationally well-known insurance provider that offers customized car insurance coverage and more.
There are tons of auto insurance companies to pick from—so how do you make an informed choice? That’s easy—rely on Jerry, a trusted insurance broker that works with over 55 brand-name auto insurance companies. In just 45 seconds, Jerry will compare Allstate’s rates to dozens of other companies so that you get all of the best customized quotes. 
Even better? Jerry knows everything there is to know about car insurance—including what makes a good provider. If you’re thinking of choosing Allstate as your next car insurance company, read on to discover everything there is to know about the company. 

Allstate auto insurance overview

Allstate is a top-rated insurance provider known for their stellar customer service. When it comes to car insurance, they offer everything from collision insurance to comprehensive coverage, insisting that you’re in good hands.
But their coverage options extend beyond your car—you can also shop with Allstate for home insurance, life insurance, condo insurance, and renters insurance
As a reward for their wonderful work, AM Best—the only credit rating agency focused exclusively on the insurance agency—gave Allstate an A+ (Superior) rating for financial strength. This means that Allstate’s ability to pay out your claims is superior. You’ll never have to worry that you won’t get paid out for the coverage you were promised. 
The only area for improvement? Allstate does tend to be a little bit pricier than the average insurance provider. Of course, this depends entirely on the policy you select. They also don’t have an option to subscribe to annual payment plans, so you’ll only be able to pay on a month-to-month basis.

Allstate pros and cons

The company has a reputation for world-class customer serviceSome policies are priced higher than average
You can bundle your services and saveAnnual payment plans are not available
The claims process is simple and convenient
Safe drivers can earn discounts by using Drivewise

Allstate claim resolution time

How long it takes to resolve your Allstate claim truly varies based on the unique circumstances—however, Allstate typically resolves most issues within 30 days. 

How to get Allstate car insurance quotes

The best way to get customized car insurance quotes is to simply download the Jerry app! We’ll show you customized Allstate quotes—as well as how they compare to other top-rated, brand-name insurance companies like Progressive, Geico, State Farm, and Nationwide


Allstate makes filing an insurance claim fast and easy through an online account and mobile app. When an incident occurs, try to file your claim as quickly as possible, to ensure an efficient resolution. You can expect to be asked for the following information:
1. The location, date, and time of the incident
2. The names, addresses, phone numbers, and/or insurance information for anybody else involved 
3. A summary of the weather conditions
4. Photo evidence of the accident scene and/or resulting damages
5. Any relevant police and/or accident reports
Of course, you can always call Allstate’s customer service line at 1-800-669-1552 for assistance with filing your claim.
Overall, Allstate is a reliable insurance company that offers best-in-class customer service. However, depending on the policy you choose, your rates might be a little bit higher than average.
Just like its name suggested, Allstate car insurance is available in all 50 states!
For general help and support, you can contact an Allstate agent using Allstate’s customer service number at 1-800-669-1552. If you’re an existing customer, the fastest and most convenient way to get support is via Allstate’s mobile app, or by logging into your online account.
If you’re looking for car insurance quotes (from Allstate and its competitors), just download the Jerry app!

Allstate car insurance cost

So now that you know Allstate is reliable and offers excellent customer service—just how much does an Allstate policy cost?
Depending on the type of vehicle you drive, your location, your driving record, your age, and the type of tailored options you are looking for, you can expect your Allstate Insurance Policy to cost somewhere around $1180 a year or approximately $170 a month.
Keep in mind that the coverage options you select will also have a major effect on the price of your policy. For example, selecting the most comprehensive plan could cost you around $1070 for a six-month premium, while opting for your state’s minimum coverage might be as low as $378 for the same six-month period. 
The table below offers a breakdown of what customers are paying with different levels of coverage. 

What factors does Allstate look at?

While most auto insurance companies look at the same types of factors, every provider uses a slightly different algorithm when generating premium prices.
According to Allstate, some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits, and deductibles you choose. These factors may also include information found on your driving record.
For example, if you drive an expensive luxury car, your insurance rates will likely be higher than if you drive a more affordable, used car. Additionally, younger drivers with lesser experience tend to pay higher prices than drivers with more experience.

Which Allstate customers get the best rates?

In general, Allstate customers with a clean driving record will see the lowest rates. Unlike many insurance companies, Allstate does not offer a specific “safe driving discount”—but they do price their policies lower for drivers without violations on their record. 
Allstate also offers many types of insurance coverage—for vehicles and more—and bundling can secure you some seriously impressive rates.
See how Allstate’s average rates compare to other providers in the table below. 
Before Jerry
After Jerry
Clean Record$2,840$2,005
Vehicle Theft$6,060$1,746
Leaving scene of an Accident/Hit and Run$4,490$2,397
Racing/Drag Racing$4,201$2,726
Seat Belt$3,442$2,804
Failure to Obey Traffic Sign$3,338$2,363
Speeding over 15$3,297$2,061
Cell Phone$3,265$2,376
Illegal Turn$3,245$2,420
Driving on Sus. License$3,213$2,217
Improper Passing$3,104$2,240
Speeding under 15$3,066$2,126
Defective Equipment$3,021$2,092
Careless Driving$2,870$2,023
Passing School Bus$2,790$2,177
Open Container$2,550$2,047
Reckless Driving$2,448$2,023
Wrong Way/Wrong Lane$2,187$1,685
Eluding Police$1,440$809
See More

Allstate car insurance rates with violations

If you have multiple violations on your driving record, you’re likely considered a high-risk driver. In general, insurance companies will charge you more because it’s more likely that you’ll end up in an accident. Relevant violations can include serious convictions like DUIs and reckless driving, but even a consistent history of speeding tickets can raise your rates. 
The table below shows the average rates that Allstate customers with various violations pay. 
Driving InfractionAnnual Cost
Annual Savings With Jerry
Clean Record$2,005$835
Vehicle Theft$1,746$4,314
Leaving scene of an Accident/Hit and Run$2,397$2,093
Racing/Drag Racing$2,726$1,475
Seat Belt$2,804$638
Failure to Obey Traffic Sign$2,363$975
Speeding over 15$2,061$1,237
Cell Phone$2,376$889
Illegal Turn$2,420$825
Driving on Sus. License$2,217$996
Improper Passing$2,240$864
Speeding under 15$2,126$941
Defective Equipment$2,092$929
Careless Driving$2,023$848
Passing School Bus$2,177$613
Open Container$2,047$503
Reckless Driving$2,023$425
Wrong Way/Wrong Lane$1,685$502
Eluding Police$809$631

Allstate car insurance cost with DUI

Allstate customers with a DUI conviction pay an average annual rate of 1.39% for car insurance. That’s an increase of 1.39% over the average rate without a DUI. 

Allstate car insurance cost with a speeding ticket

Allstate customers with a recent speeding ticket pay an average annual rate of 3.69% for car insurance. That’s an increase of 3.69% over the average rate without a ticket. Keep in mind that multiple speeding tickets—or a single ticket for speeding well over the speed limit—can raise your rate even more. 

Allstate car insurance rates by age

As mentioned earlier, age can play a big role in your Allstate rates. In general, young, inexperienced drivers will pay more than drivers who’ve had a few more years out on the road. Check out the graph below to see how rates for different age groups compare among Allstate policyholders. 

Allstate car insurance cost for young drivers

In general, drivers under the age of 21 will pay higher rates than their older counterparts. Fortunately, Allstate does try to lighten the load with a good student discount. If you're unmarried and under the age of 25, you can save if you meet one of these requirements:
  • Your grades average a B- or above or you have a GPA of 2.7 or above
  • You have completed the teenSMART driver education program
  • You attend school at least 100 miles away from where your car is garaged

Where is Allstate insurance the cheapest?

Insurance rates vary by state-to-state, as well as by more specific regions. For example, a driver in Upstate New York will pay very different rates than a driver in the Big Apple.
Take a look at how Allstate’s rates vary state to state:
North Dakota$1,209
West Virginia$1,306
South Dakota$1,326
North Carolina$1,413
New Hampshire$1,636
New Mexico$1,707
South Carolina$1,820
Rhode Island$1,835
District Of Columbia$2,015
New Jersey$2,109
New York$2,888
See More

Allstate car insurance discounts

Allstate may have higher-than-average rates, but if you qualify for multiple discounts, you could shave a large chunk off of your premium. 
Here are the discounts Allstate offers:
  • Multi-policy discount: Bundle auto insurance with home or renters to save on all of your policies.
  • New car discount: If your vehicle is new and you’re the first owner, you could save big.
  • Anti-lock brake discount: Save if your car is equipped with anti-lock brakes.
  • Anti-theft device discount: Save if there’s an anti-theft device in your car.
  • EZ pay plan discount: Save when you set up automatic withdrawal for paying your premium.
  • Allstate eSmart discount: Save when you go paperless by signing up for ePolicy, a convenient way to view insurance documents online.
  • Early Signing Discount: Save when you sign your policy 7 or more days before it becomes effective.
  • FullPay discount: Save when you pay your policy in full.
  • Responsible payer discount: Save if you did not receive a cancellation notice for non-payment in the past year.
  • Safe driving club: Save big if you meet the safe driving requirements to make it into the club.
  • Smart student discount: If you're unmarried and under the age of 25, you can save if your grades average a B- or above or you have a GPA of 2.7 or above, you have successfully completed the teenSMART driver education program, or you attend school at least 100 miles away from where your car is garaged.

Allstate auto insurance coverage options

Most car insurance companies will offer a policy that meets your state’s minimum liability insurance requirements—but what sorts of coverage options make Allstate special?
Let’s start with the coverage options that are required by law: 
In addition to the above types of legally mandated car insurance, Allstate also offers: 
  • Comprehensive insurance: If your car is damaged by severe weather, fire, wildlife, vandalism, theft, or other events outside your control, this coverage can help you pay for damages. 
  • Collision insurance: This coverage will pay for damage to your vehicle caused by any kind of collision—e.g. with another car, a guard rail, a tree, or a pole. 
  • Rental reimbursement: If your car is in the shop, this add-on coverage will offset the cost of a rental car to the tune of $40 to $60 per day. 
  • Roadside assistance: Also known as towing and labor coverage, Allstate’s roadside assistance product pays for towing and provides other services if your car breaks down away from home. 
  • Personal injury protection: Covers expenses related to injuries you sustain in a covered accident.
  • Personal umbrella policy: Covers liability above and beyond your auto policy's liability underlying limits.

Additional products from Allstate

In addition to the coverage options listed above, Allstate offers a unique program called Drivewise. Let’s dive into the details.  

Drivewise® from Allstate

Drivewise is a program designed to reward safe drivers with exclusive savings. Just for signing up, you’ll save 10% off of your car insurance premium. Every six months upon renewal, you’ll save 6% for staying an active Drivewise member.
But what does it do? Drivewise uses advanced technology to monitor your driving. Avoiding behaviors like speeding, sudden braking, and late-night driving can all help lower your rates—which will be reevaluated based on your driving every six months.
Keep in mind that the Drivewise methodology can actually raise the rates for some drivers, so if you’re not a careful, cautious driver all the time, perhaps don’t opt for this program.

Ride for Hire rideshare insurance

Do you drive for a rideshare company like Uber or Lyft? If you're using your car to drive for a transportation network company (TNC), Allstate Ride for Hire can help you stay protected for as little as pennies a day. Enjoy the reliability of one of the most affordable TNC auto coverage options on the market.

Allstate payment options

Allstate offers multiple payment options, so there’s always a convenient way to pay your bill. For the most convenience (and even a discount), set up automatic online payments. If you’d rather pay your bill manually, you can use a credit/debit card, direct deposit from a checking account, an electronic check, pay via the mobile app, or mail in a check/money order.

Real Allstate reviews from Jerry customers

Check out what real Jerry users have to say about Allstate:
I had a great experience
They are always willing to help you with everything that you have going on awesome customer service
Great customer services! Haven't has any problems with my insurance so far and you're able to get a hold of someone with their 24/7 service.
The app is very user-friendly thankfully I haven’t been in an accident. But managing my accounts, earning rewards points, and being acknowledged for my safe driving really is easy to view in the app.
I've had several insurance policies from different insurance providers before. Allstate is able to cover everything I am looking for an they are affordable as well. Hands down, best insurance provider in the entire field of the insurance game!
I recently had my wheels and tires stolen and Allstate took care of everything! Unfortunately there were a couple of miscommunications that made the process a little longer than it needed to be, but they still made sure to take care of the problem so I could get my car back on the road! :)

Key Takeaways

  • Allstate is one of the best car insurance companies out there, receiving wonderful scores for customer satisfaction thanks to their top-of-the-line customer service skills.
  • You can trust that your Allstate car insurance policy is reliable—Allstate has great ratings when it comes to paying out claims. You’re truly in good hands! 
  • Allstate offers more than just car insurance: you can access homeowners insurance, life insurance, renters insurance, and more.
  • Your auto insurance rates with Allstate may be slightly higher than the national average, but multiple policy discounts are available to keep your rates affordable.

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