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Jerry Data & Research
Allstate Car Insurance Review(Nov 2024)
Allstate Car Insurance Review
(Nov 2024)
In a study of real insurance policyholders’ experiences, the Jerry research team ranked Allstate 16th overall compared to companies of a similar size.
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Quotes from top insurance companies
Lina Zhang
Licensed Insurance Agent, VP of Operations
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer
What's on this page?
- Comprehensive Allstate Car Insurance Review
- So, is Allstate a good insurance company?
- Allstate car insurance reviews
- Allstate pros and cons
- Is Allstate the right insurance company for you?
- Is Allstate car insurance expensive?
- Find real Allstate car insurance quotes
- Will Allstate raise your rates?
- Does Allstate resolve claims fast?
- Does Allstate have good customer service?
- Allstate car insurance discounts
- Allstate coverage options
- Allstate’s additional tools and services
- Compare Allstate quotes by driver profile
- FAQs
- Read all AllState Car Insurance Reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive Allstate Car Insurance Review
Although it’s one of the biggest insurers in the nation, Allstate ranked below average in the first-hand reviews analyzed by
Jerry
’s research team in 2023.Jerry
experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more. Here’s a snapshot of the numbers Allstate earned in five categories:
4
1,056 Reviews
5 Stars
50%
4 Stars
20.64%
3 Stars
17.99%
2 Stars
4.64%
1 Star
6.72%
So, is Allstate a good insurance company?
Allstate has a long list of products and tools, but policyholders took umbrage with its prices.
We collected and analyzed over 900 real customer reviews from Allstate. Of those reviews, we found that 75% were overwhelmingly positive, while only 7.5% were negative.
For comparison, the 120+ auto insurance companies we surveyed averaged 64% positive reviews to 18.54% negative reviews. Nevertheless, many customers felt Allstate’s car insurance rates could be better.
The good: The customers we surveyed rated Allstate slightly above average when it came to processing claims, renewing policies, and buying coverage.
- Customer service is quick and helpful
- Allstate’s mobile app is easy to use
- Claims are processed promptly
On the other hand: Allstate policy customers found its insurance rates too expensive. Many customers reported a large increase in their insurance premiums around renewal time.
We asked policyholders to rate Allstate on its cost, customer service, claims process, purchase, renewal, and overall satisfaction.
See how Allstate’s ratings compared to the national average of all companies surveyed below:
| Criteria | Allstate's Rating | Industry Average |
|---|---|---|
Overall | 3.6 | 4.1 |
Cost / Price | 3.5 | 3.8 |
Claim Experience | 3.9 | 3.5 |
Customer Service | 3.8 | 4 |
Renewal Experience | 4.1 | 4 |
Writing a little over 10% of all the car insurance policies in the nation, Allstate is the fourth-largest vehicle insurer in the country.
When evaluating Allstate’s strengths and weaknesses, we thought it was important to take a look at how other industry leaders rated Allstate, too.
Here’s how Allstate stacks up against the national average for other insurance companies in the US:
Critera | AllState | Score Out Of |
|---|---|---|
BBB Rating | A | A+ |
NAIC Rating | 2.73 | 6 |
Clearsurance | 4.0 | 5 |
A.M. Best Rating | A+ | A++ |
IOS App Store Rating | 4.8 | 5 |
Google Play Store Rating | 3.9 | 5 |
Please note* that a greater NAIC score indicates increased risk.
Allstate car insurance reviews
We asked real Allstate policyholders to rate their company and give us the skinny in their words. Check out some real reviews from Allstate car insurance customers:
Allstate pros and cons
Based on our analysis of our national insurance customer satisfaction survey and Allstate’s public third-party rankings, we’d say Allstate makes renewing policies painless—but the same can’t be said for its prices. Here’s what there is to like (and dislike) about buying auto insurance from Allstate:
ProsA+ financial strength rating from AM Best
Huge list of insurance products and policy discounts
Easy-to-use, well-reviewed Allstate Mobile app
24/7 customer service and claims filing
ConsPrices jump drastically at renewal time
Auto insurance plans cost more than the industry average
Is Allstate the right insurance company for you?
Allstate is a great insurance company for:
- Families with children of driving age
- Married couples with good credit scores and clean driving records
- Anyone who enjoys great customer service
Keep in mind: Allstate’s car insurance policies cost more than average for regular drivers, so non-standard drivers probably won’t find great rates.
As a large and longstanding company, Allstate covers all 50 states and has insurance agents in every major city. It has also added phone and identity protection to its services.
The company’s list of products includes:
- Auto insurance
- Boat insurance
- Mexico car insurance
- Motorcycle insurance
- Roadside assistance
- RV insurance
- Condo insurance
- Homeowners insurance
- Renters insurance
- Life insurance
- Business insurance
Learn more about how our survey respondents rated Allstate's car insurance services below:
Is Allstate car insurance expensive?
Even for married couples with excellent credit and clean driving records, Allstate is fairly expensive.
We collected over 900 reviews for Allstate, and of those reviews, 20% of policyholders directly mentioned cost. Around 66% were positive and 19% were negative.
A closer look reveals that Allstate’s plans are generally more expensive than those of other insurers, especially for high-risk drivers or people with at-fault accidents.
Comparing these results to other insurance companies of a similar size, we found Allstate was ranked 18th overall in the category of policy cost satisfaction. Customers scored the company’s rates 2.8 out of 5—a whole point lower than the national average.
Here’s how Allstate stacked up against its competitors in other areas of our study:
| Allstate Policy Cost Rating | Ranking | Industry Average |
|---|---|---|
3.5 | 18 | 3.8 |
Keep in mind: Car insurance quotes are highly personal. Depending on their driver profiles, two customers from the same city could receive offers that are hundreds of dollars apart!
Like every other auto insurance company, Allstate uses a complicated formula to
calculate car its insurance rates
based on factors like:- Age and demographic
- Car insurance history
- Driving record
- Policy coverage type
- ZIP code
State law allows every provider to use a unique formula for insurance premiums, but looking at the data, we can see some general cost trends grouped by state. Here’s how much your car insurance costs could vary from one side of the country to the other:
Allstate cost reviews
Check out how real Jerry users rated Allstate based on cost below:
Find real Allstate car insurance quotes
The
Jerry
app takes all the data we’ve gathered and makes it work for you—for free! All you have to do is answer a few policy questions to get matched with some of the cheapest personalized car insurance quotes
in your area. Browse rates from Allstate, USAA
, and over 55 other companies without making a single phone call. Here’s a sample of the insurance deals we found at Allstate for our customers:
| Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|
$81 | Roxie, 66 | Ford Escape SE | • State Minimum Liability • Comp / Collision |
$185 | Devin, 52 | Dodge Durango SLT | • 50,000/100,000 Liability |
$202 | Randall, 23 Hudson, NC | Ford Focus SEL | • 50,000/100,000 Liability • Comp / Collision |
$165 | Adele, 31 Gainesville, GA | GMC Sierra K1500 SLT | • 50,000/100,000 Liability • Comp / Collision |
$135 | Marie, 42 West Islip, NY | Chevrolet Cruze LT | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 24, 2024 Will Allstate raise your rates?
Yes. As a rule, you’ll pay a little more at Allstate (and every other company) each time
your car insurance renews
. Allstate may increase your rates if:
- The inflation rate rises
- You add a new driver to your policy
- You add a new vehicle to your policy
- You change your address
- You’re involved in a car accident
- You receive a traffic ticket
Our survey results say that 44% of drivers who mentioned renewal chose to continue their policies with Allstate.
Remember: Even if there are no changes to your driver profile, it’s normal for your insurance rates to fluctuate over time. Providers often make changes to the way they price their policies.
Does Allstate resolve claims fast?
Allstate advises that its representatives will provide an estimate for how long a claim will take, but some customers reported the claims department was unresponsive.
Ideally, a provider should assign an adjuster to your case soon after you
file a car insurance claim
. The adjuster’s job is to investigate the claim, assess any injuries or damages, and decide whether to approve or deny it based on the relevant policy terms and limits. A swift and efficient claims process helps to reduce the strain on consumers’ finances and emotions.About 50% of Allstate customers shared what it was like to file a claim with the company, rating it 3.9/5 for efficiency and overall satisfaction. In the main, consumers were split on satisfaction regarding Allstate’s claims process.
The average claims satisfaction index for every company we surveyed in the country is only 3.54. Allstate ranks 10th overall among 20 competitors, so it’s doing better than half of them.
Here’s how consumers rated Allstate’s claims process, in their own words:
| Allstate Claims Resolution Rating | Ranking | Industry Average |
|---|---|---|
3.9 | 10 | 3.5 |
Allstate claims reviews
See how real Jerry drivers rated Allstate based on claim handling below:
Does Allstate have good customer service?
Policyholders reported Allstate’s customer service is fairly good.
In terms of overall ratings, survey respondents rated Allstate’s customer service department a 3.8/5.
Compared to the national average of 3.9, Allstate has room for improvement.
The consumers who raved about Allstate’s customer service said their agents were fast, friendly, and attentive.
See how Allstate did for yourself below:
| Allstate Customer Service Rating | Ranking | Industry Average |
|---|---|---|
3.8 | 16 | 4 |
Allstate Customer Service Reviews
Check out how real Jerry drivers rated Allstate based on customer service below:
Allstate car insurance discounts
Allstate’s car insurance discounts include staples like multi-policy bundles, student rates, and paperless billing incentives, plus specialty programs.
You can turn a good deal into a great one with the right
car insurance discount
, which often requires no more effort than a single phone call. You could find savings based on your age, mileage, driving record, and vehicle safety rating—or even your marital status!Almost one in five Allstate customers mentioned they liked the company’s discounts in their reviews. The list of ways to save includes:
- Anti-lock brakes discount: Cars equipped with ABS are safer and qualify for lower premiums.
- Bundle discounts:Save by pairing condo, homeowners, or renters insurance (plus roadside assistance) with your auto insurance policy.
- Drivewise:The Allstate Drivewise app tracks how fast you go, how sharply you turn, and more. Drive safely and you’ll be rewarded with lower insurance rates.
- Disappearing deductible:Remain claims-free for at least one year, and you’ll receive $100 in deductible rewards.
- Early signing discount: Allstate incentivizes signing your agreement seven or more days before it takes effect with a small discount.
- eSmart discount: Sign up for eSmart (Allstate’s paperless billing system) for the convenience of viewing your documents online while saving money at the same time.
- EZ Pay plan discount: Set up automatic payments with Allstate and your rates will drop.
- FullPay discount: Allstate’s FullPay program simply means that if you pay your premiums in a lump sum, you’ll pay less overall.
- Good student discount:Anyone single, under the age of 25, and with B- grades (or a GPA of 2.7 and up) can save with Allstate after completing a teenSMART driver’s ed course.
- New car discount: Buy a new car and you could be eligible for a special rate with Allstate.
- Responsible payer discount: If you haven’t received a cancellation notice for non-payment in the past year, Allstate will reward you.
- Safe driving bonus:For every six months that you avoid a car accident, Allstate will credit your account.
- Vehicle anti-theft device discount:Installing an aftermarket alarm or other vehicle security product could benefit your bills
Like your rates, car insurance discounts can change over time. To get the most up-to-date information (and to see whether you qualify to save), visit the Allstate website or contact a representative.
Allstate coverage options
The best insurance policy is one tailored to suit your needs and your
state’s insurance requirements
. Here are the most common types of car insurance
, add-ons, and extra coverage options you can find with Allstate:- Classic car insurance:Classic car insurance recognizes that the value of a well-preserved vintage ride exceeds its peers, and so should any insurance payout.
- Collision coverage:Collision insurance pays to repair your car after an impact with another vehicle or object, whether it’s your fault or not.
- Comprehensive coverage:Fire, weather, vandalism, or theft won’t phase you if you have comprehensive protection. Combine it with collision insurance forfull-coverageprotection.
- Gap insurance:Gap insurance pays any difference between your insurance payout and your lease or loan, leaving you free of debt.
- Liability insurance: Covering the cost of any damages you cause behind the wheel, liability insurance is mandatory in most states. There are usually separate minimum car insurance coverage limits required forBodily Injury Liability (BIL)andProperty Damage Liability (PDL).
- Medical payments (MedPay):As the name suggests, MedPay covers you and your passengers’ medical treatments after an accident.
- Milewise: Milewise is Allstate’spay-as-you-goprogram that helps low-mileage drivers save money. It’s available in 21 states.
- New car replacement coverage:You can get an identical or equivalent replacement following a total loss, regardless of how much your old car has depreciated.
- Non-owner insurance:If you don’t own a car, a non-owner policy acts as supplemental liability coverage whenever you drive a borrowed or rental car.
- Personal injury protection (PIP):A no-fault insurance policy covering your and your passengers’ hospital bills, lost wages, and related medical costs after a car accident.
- Personal umbrella policy (PUP): PUP is an add-on that offers between $1 million to $5 million of coverage for personal injury lawsuits that exceed your regular policy limits.
- Rental reimbursement:You can rent a car or take a taxi and get reimbursed if your car is in the shop following an insurance claim.
- Ride for hire: Allstate’srideshare insurancecovers your vehicle when you use it for business purposes, like driving for Uber or Lyft.
- Roadside assistance:Allstate offers 24/7 roadside assistance, including towing, winching, jumpstarts, battery charges, flat tire changes, and locksmith services.
- SR-22 insurance:Allstate will file an SR-22 (or FR-44) on your behalf if you need it.
Allstate’s additional tools and services
As a longstanding company, Allstate offers a comprehensive toolbox to customers looking to manage their experience.
Here’s how you can manage your policy:
- 24/7 Customer service: Allstate’s agents are always available to process payments, provide information, and process claims by phone or online chat.
- Allstate Mobile: Allstate packs Drivewise, digital proof of insurance, payments, roadside assistance, and more into a single package forAndroidandiOS. It took second place in our review of thebest car insurance apps available.
- Allstate.com: You can make payments, view documents, and change your coverage by logging into the Allstate website.
- By mail: If you prefer the old-fashioned route, you can send payments and paperwork to Allstate’s department inTexas.
- In-office: Allstate maintains an extensive network of local insurance agents and agencies, which you can search by location, language, rating, opening hours, and more on its website.
- QuickFoto Claim: You can also start a claim and upload photos through the Allstate Mobile app.
Again, tools, services, and savings vary by location (and over time). Call your local Allstate representative or visit the website to get the latest details from customer service.
Compare Allstate quotes by driver profile
Your age, demographic, driving history, and more all affect your car insurance premiums. Here’s how much of a difference they can make to your auto insurance rates at Allstate.
Allstate quotes for teen drivers and senior motorists
Because of their inexperience,
car insurance for teens
from Allstate is much higher than the national average rates. Pick up a good student or young driver discount and you could bring it back down.
Antonio (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$182
per month
Dale (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$167
per month
Car insurance for seniors
from Allstate rewards experienced motorists, but it’s still on the pricey side.Virginia (66 years old)
$174
per month
Blanche (68 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$142
per month
Blanche (66 years old)
$107
per month
Ivan (67 years old)
$65
per month
Allstate quotes for drivers with violations
Allstate isn’t the best choice to provide
car insurance for high-risk drivers
. If you have DUI violations, at-fault car accidents, and other traffic offenses on your driving record, you’ll probably find their rates too high.Jerry customers with speeding tickets found the following plans with Allstate:
| Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | $182 | Duane, 26 Zip: 98008 | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | $153 | Sadie, 64 Zip: 77386 | Lexus LS 460 | • State Minimum Liability |
Speeding 11-15 | $169 | Christina, 33 Zip: 64134 | Volkswagen Jetta S | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | $212 | Cameron, 33 Zip: 29153 | Honda Civic EX | • 100,000/300,000 Liability • Comp / Collision |
Speeding 21+ | $292 | Chase, 31 Zip: 30038 | Chevrolet Malibu LS | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 26, 2024Charles (51 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$99
per month
Verna (28 years old)
DUI
Coverage20,000 per person
40,000 per accident bodily injury
Comp / Collision
$141
per month
Unless you pay for
accident forgiveness
, a single at-fault accident could cause your insurance rates to jump. | Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | $145 | Andrew, 26 Zip: 90037 | Chevrolet Cruze LT | • State Minimum Liability |
At Fault With Injury | $218 | Keith, 34 Zip: 95111 | Infiniti Q50 Hybrid Premium | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | $98 | Rhoda, 31 Zip: 95127 | Toyota Corolla CE | • 50,000/100,000 Liability |
At Fault With Injury | $104 | Alex, 26 Zip: 95123 | Chevrolet Malibu LS | • State Minimum Liability |
At Fault With Injury | $511 | Noah, 34 Zip: 91505 | Honda Civic EXL | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 26, 2024If speeding tickets, DUIs, or at-fault accidents don’t apply to you, check the table below to see how Allstate handles other traffic violations.
Last Updated Nov 22, 2024FAQs
What are the top auto insurance companies in the US?
According to the NAIC (the National Association of Insurance Commissioners), the top four auto insurance companies in the US are State Farm, GEICO, Progressive, and Allstate. Cumulatively, these four write over half the policies sold in the country.
What’s the best insurance company in the US?
There’s no single best car insurance company in the US for everyone. Every driver is different and so is the best car insurance company for their situation—you have to compare quotes and coverage to find your number one!
What’s the competitive advantage of Allstate?
Allstate’s size gives it an edge when it comes to financial stability, insurance product selection, discounts, tools, and customer service. Its A+ rating of financial strength allows it to provide 24/7 customer service and coordinate tens of thousands of local agents in every state from California to Washington.
Is Allstate cheaper than Progressive?
In Jerry’s nationwide shopping survey, customers rated Progressive’s policy costs one whole point higher than Allstate’s. If cheap is best for you (especially if you’re a high-risk driver), check out our Progressive car insurance review.
Read all AllState Car Insurance Reviews
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.