Allstate Auto Insurance Review (Compare Rates, Coverage & More)

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Allstate Overview Stats
Year Founded 1931
Current Executives Tom Wilson - Chair, President, CEO
Steven E. Shebik - Chair, CEO
Number of Employees 45,000+
Total Sales/Assets (2018) 112.25 Billion
HQ Address 2775 Sanders Rd.
Northbrook, IL
60062
Phone Number 1-877-810-2920
Company Website www.allstate.com
Premiums Written (2017) 31,501,664
Loss Ratio 61.53%
Best For Drivers with a clean record

Got insurance?

If you’re like us, you probably do. Insurance is something you have to have to keep you and your family protected if the unforeseen happens. But if you’re lucky, you may never have to use it.

But if luck isn’t on your side, and you end up in a 500-year storm, are you in good hands?

Allstate was founded in 1931 and is one of the best-known insurance companies in the United States. The company’s main slogan is “You’re in good hands” has been around since the 1950s. But what sets them apart from other insurance providers?

In this guide, we’re going to take our gloves off and see if you are really in good hands. We’re going to provide you with everything you need to know about Allstate, including company history, ratings, coverage options, and more.

Want to start comparison shopping today? You can take advantage of our FREE online tool to start comparing rates in your area.

Let’s get started.

Table of Contents

Allstate’s Financial Ratings

Now that we have taken off our gloves, let’s see what multiple independent agencies have to say about Allstate and whether it’s the right company for your situation. Comparing the pros and cons is an important factor in determining which auto insurance company is best for you.

Ratings Agency Rating
AM Best A+
Moody's A3
S&P AA-
Better Business Bureau A+
JD Power Overall Satisfaction: 3/5
Estimation Process: 3/5
Claims Servicing: 3/5
Settlement: 3/5
Consumer Reports 88
Consumer Affairs 4/5
NAIC Compliant Ratio 1.28

– AM Best

An AM Best rating measures the financial stability of a company, with A++ being the highest rating possible. Since Allstate has an A+ rating, it means Allstate has a stable financial future.

– Moody’s

Moody’s rating looks at how well a company can pay off its debts (its creditworthiness). Moody’s A3 rating falls into the P-2 category, meaning the company has “a strong ability to repay short-term debt obligations.

– Standard and Poor’s (S&P)

S&P’s rating of Allstate is very good, though the best rating is AAA. An AA- rating means that Allstate has a robust ability to pay back debts, though not as strong as an AA or AA+ company.

– Better Business Bureau

This rating looks at multiple aspects of a business, though the most important aspect is the company’s complaint history. A complaint history shows how satisfied customers are with the service they receive.

Since A+ is the highest rating the BBB gives, BBB clearly views Allstate as better than most.

– J.D. Power

Another important rating to look at when searching for an insurance company is customer satisfaction levels. JD Power rates companies solely on customer satisfaction levels. Allstate’s JD Power ratings are okay averaging 3/5; in most areas, there is room for improvement.

– Consumer Reports

Consumer Reports is another great company that measures customer satisfaction. The company based the overall score of 88 on the following category scores.

Allstate Service Consumer Report Score
Ease of Reaching an Agent Excellent
Simplicity of the Process Very Good
Promptness of the Response Very Good
Damage Amount Very Good
Agent Courtesy Excellent
Timely Payment Excellent
Freedom to Select Repair Shop Very Good
Being Kept Informed of Claim Status Very Good

Allstate scores well in many of the above categories.

– Consumer Affairs

As for the Consumer Affairs’ rating of Allstate, the overall rating of 4/5 is great. Allstate currently has over 400 negative reviews (three or fewer stars) on Consumer Affairs, though over a thousand reviews are four or more stars.

– NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) measures the number of complaints a company receives. Allstate’s complaint ratio is fairly normal, as it is just a little over one percent. One thing to consider is that your experience may be better or worse than these ratings based on your insurance needs.

Allstate History

Allstate was founded in 1931 by Sears Roebuck and is only a few, short years from celebrating its centennial. Since its creation, Allstate has moved on to become one of the largest insurance providers, ranking as number 79 on the Fortune 500 in 2017.

The company had a rough year in 2018, according to Fortune 500:

as a series of natural disasters, from the California wildfires to Hurricane Michael, resulted in significant losses. Profits were down more than 29%, with the western wildfires alone resulting in $679 million in pre-tax losses. Exposure to losses like these has led the company to become an advocate for addressing climate change.

Why should you care about Allstate’s history? Essentially, looking at a company’s history gives you essential data about how successful the company is and what its future is like.

Up next, we are going to dig into everything from Allstate’s market share to its awards and accolades.

– Market Share

Below, you will see NAIC’s data on Allstate’s market shares over three years.

Year 2015 2016 2017
Market Share 5.07% 5.00 % 4.88%

Allstate’s market share has decreased steadily over the last three years. Several factors could be in play, such as increased premiums, customer dissatisfaction, and more brand recognition from competitors.

– Accessibility

Allstate has several options if you want to access information or get in touch with someone about your car insurance policy.

  • Online — You can find quotes and more online at Allstate’s website.
  • Agents — You can talk to agents by texting, calling, or emailing.
  • Apps — Allstate offers a mobile app, through which you can access your policy information and contact agents.

– Advertising

Whether it’s mayhem or good hands, car insurance companies do whatever it takes to grab your attention.

Consumers have been told:

We all want the good things in life, including good insurance, but are the good things really affordable?

Another smart advertising campaign which has swept us up into its chaos is the Allstate Mayhem commercials:

Unlike other insurance companies, Allstate doesn’t base its advertising on how much you can save by switching or spending 15 minutes to save 15 percent, instead, the company markets itself as being there when and if it’s needed.

– Investment in the Community

Allstate is proud to give back to the community. Watch the video below to show how one agent is doing just that.

Other ways Allstate works hard to give back to the community is through the Allstate Foundation. The Allstate Foundation focuses on the following:

  • Good Starts Young — focuses on empowering youth through in-school and after-school programs
  • Purple Purse — focuses on helping end domestic violence by assisting victims to reach financial independence
  • Nonprofit Leadership Center — provides a leadership development program
  • Helping Hands — supports Allstate’s employees in volunteering

– Allstate’s Position for the Future

Allstate’s future looks great. The company posted record growth in the first quarter for 2019. Even though Allstate’s market share has decreased slightly over the last few years, it still retains a large percentage of the market.

Currently, Allstate’s customer satisfaction ratings are acceptable, but they could be improved. Being known for fantastic customer service would help solidify Allstate’s position as a top insurance company in the future.

– Working at Allstate

You can tell a lot about a company by the way it treats its employees. At Glassdoor, Allstate employees rank working at Allstate 3.4 out of five stars.

Out of all the reviews, 60 percent of the employees would recommend Allstate to a friend, and 72 percent approved of the CEO.

Why do we care what employees think of Allstate? Because an employee who enjoys working at Allstate and believes in the company’s purpose will do a better job of serving customers.

– Awards and Accolades

Allstate has received numerous awards and accolades, and we have included a few of the most recent below.

  • 2018 The Civic 50 (corporate responsibility award)
  • 2018 “Best-of-the-Best” Corporation for Inclusion from the National Gay & Lesbian Chamber of Commerce (NGLCC)
  • 2019 One of the World’s Most Ethical Companies from the Ethisphere Institute

Allstate has also received dozens of awards for the company’s inclusion of diversity, from awards for a military-friendly employer to awards for being a top company for women.

Cheap Car Insurance Rates

We partnered with Quadrant Data to bring you this information. Here are two things to keep in mind.

  1. Many variables can affect what you pay. Your rate will differ from what is listed below
  2. Allstate has discounts and options that may help offset the cost

Here’s how Allstate’s annual rates based on demographics compare to other top insurance carriers in the country. These averages are national, so where you live could affect your rates.

Group Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male
Allstate $3,156.09 $3,123.01 $2,913.37 $2,990.64 $9,282.19 $10,642.53 $3,424.87 $3,570.93
American Family $2,202.70 $2,224.31 $1,992.92 $2,014.38 $5,996.50 $8,130.50 $2,288.65 $2,694.72
Farmers $2,556.98 $2,557.75 $2,336.80 $2,448.39 $8,521.97 $9,144.04 $2,946.80 $3,041.44
Geico $2,302.89 $2,312.38 $2,240.60 $2,283.45 $5,653.55 $6,278.96 $2,378.89 $2,262.87
Liberty Mutual $3,802.77 $3,856.84 $3,445.00 $3,680.53 $11,621.01 $13,718.69 $3,959.67 $4,503.13
Nationwide $2,360.49 $2,387.43 $2,130.26 $2,214.62 $5,756.37 $7,175.31 $2,686.48 $2,889.04
Progressive $2,296.90 $2,175.27 $1,991.49 $2,048.63 $8,689.95 $9,625.49 $2,697.73 $2,758.66
State Farm $2,081.72 $2,081.72 $1,873.89 $1,873.89 $5,953.88 $7,324.34 $2,335.96 $2,554.56
Travelers $2,178.66 $2,199.51 $2,051.98 $2,074.41 $9,307.32 $12,850.91 $2,325.25 $2,491.21
USAA $1,551.43 $1,540.32 $1,449.85 $1,448.98 $4,807.54 $5,385.61 $1,988.52 $2,126.14

Allstate ranks consistently in the top three companies for cost when it comes to certain demographic rates. For example, if you have a teenage son, you can expect to pay over $10,000 a year for his car insurance. Of course, you can offset some of these rates based on certain discounts available to you and your current insurance needs.

– Rates Compared to the Top 10 Companies by Market Share

In the table below, you’ll see how Allstate’s average annual premium for each state compare to that of other companies.

State Allstate American Family Farmers Geico Liberty Mutual Nationwide Progressive State Farm Travelers USAA
Alaska $3,145.31 $4,153.07 Data Not Available $2,879.96 $5,295.55 Data Not Available $3,062.85 $2,228.12 Data Not Available $2,454.21
Alabama $3,311.52 Data Not Available $4,185.80 $2,866.60 $4,005.48 $2,662.66 $4,450.52 $4,798.15 $3,697.80 $2,124.09
Arkansas $5,150.03 Data Not Available $4,257.87 $3,484.63 Data Not Available $3,861.79 $5,312.09 $2,789.03 $5,973.33 $2,171.06
Arizona $4,904.10 Data Not Available $5,000.08 $2,264.71 Data Not Available $3,496.08 $3,577.50 $4,756.25 $3,084.74 $3,084.29
California $4,532.96 Data Not Available $4,998.78 $2,885.65 $3,034.42 $4,653.19 $2,849.67 $4,202.28 $3,349.54 $2,693.87
Colorado $5,537.17 $3,733.02 $5,290.24 $3,091.69 $2,797.74 $3,739.47 $4,231.92 $3,270.77 Data Not Available $3,338.87
Connecticut $5,831.60 Data Not Available Data Not Available $3,073.66 $7,282.87 $3,672.34 $4,920.35 $2,976.24 $6,004.29 $3,190.00
District of Columbia $6,468.92 Data Not Available Data Not Available $3,692.81 Data Not Available $4,848.98 $4,970.26 $4,074.05 Data Not Available $2,580.44
Delaware $6,316.06 Data Not Available Data Not Available $3,727.29 $18,360.02 $4,330.21 $4,181.83 $4,466.85 $4,182.36 $2,325.98
Florida $7,440.46 Data Not Available Data Not Available $3,783.63 $5,368.15 $4,339.60 $5,583.30 $3,397.67 Data Not Available $2,850.41
Georgia $4,210.70 Data Not Available Data Not Available $2,977.20 $10,053.44 $6,484.90 $4,499.22 $3,384.88 Data Not Available $3,157.46
Hawaii $2,173.49 Data Not Available $4,763.82 $3,358.86 $3,189.55 $2,551.83 $2,177.93 $1,040.28 Data Not Available $1,189.35
Iowa $2,965.86 $3,021.81 $2,435.72 $2,296.16 $4,415.28 $2,735.44 $2,395.50 $2,224.51 $5,429.38 $1,852.57
Idaho $4,088.76 $3,728.79 $3,168.28 $2,770.68 $2,301.51 $3,032.19 Data Not Available $1,867.96 $3,226.29 $1,877.61
Illinois $5,204.41 $3,815.31 $4,605.20 $2,779.16 $2,277.65 $2,711.81 $3,536.65 $2,344.88 $2,499.76 $2,770.21
Indiana $3,978.81 $3,679.68 $3,437.55 $2,261.07 $5,781.35 Data Not Available $3,898.00 $2,408.94 $3,393.75 $1,630.86
Kansas $4,010.23 $2,146.40 $3,703.77 $3,220.65 $4,784.42 $2,475.59 $4,144.38 $2,720.00 $4,341.43 $2,382.61
Kentucky $7,143.92 Data Not Available Data Not Available $4,633.59 $5,930.97 $5,503.23 $5,547.63 $3,354.32 $6,551.68 $2,897.89
Louisiana $5,998.79 Data Not Available Data Not Available $6,154.60 Data Not Available Data Not Available $7,471.10 $4,579.12 Data Not Available $4,353.12
Maine $3,675.59 Data Not Available $2,770.15 $2,823.05 $4,331.39 Data Not Available $3,643.59 $2,198.68 $2,252.97 $1,930.79
Maryland $5,233.17 Data Not Available Data Not Available $3,832.63 $9,297.55 $2,915.69 $4,094.86 $3,960.87 Data Not Available $2,744.14
Massachusetts $2,708.53 Data Not Available Data Not Available $1,510.17 $4,339.35 Data Not Available $3,835.11 $1,361.86 $3,537.94 $1,458.99
Michigan $22,902.59 Data Not Available $8,503.60 $6,430.11 $20,000.04 $6,327.38 $5,364.55 $12,565.52 $8,773.97 $3,620.00
Minnesota $4,532.01 $3,521.29 $3,137.45 $3,498.54 $13,563.61 $2,926.49 Data Not Available $2,066.99 Data Not Available $2,861.60
Missouri $4,096.15 $3,286.90 $4,312.19 $2,885.33 $4,518.67 $2,265.35 $3,419.14 $2,692.91 Data Not Available $2,525.78
Mississippi $4,942.11 Data Not Available Data Not Available $4,087.21 $4,455.94 $2,756.53 $4,308.85 $2,980.48 $3,729.32 $2,056.13
Montana $4,672.10 Data Not Available $3,907.55 $3,602.35 $1,326.11 $3,478.26 $4,330.76 $2,417.74 Data Not Available $2,031.89
North Carolina $7,190.43 Data Not Available Data Not Available $2,936.69 $2,182.71 $2,848.03 $2,382.61 $3,078.65 $3,132.66 Data Not Available
North Dakota $4,669.31 $3,812.40 $3,092.49 $2,668.24 $12,852.83 $2,560.35 $3,623.06 $2,560.53 Data Not Available $2,006.80
Nebraska $3,198.83 $2,215.13 $3,997.29 $3,837.49 $6,241.52 $2,603.94 $3,758.01 $2,438.71 Data Not Available $2,330.78
New Hampshire $2,725.01 Data Not Available Data Not Available $1,615.02 $8,444.41 $2,491.10 $2,694.45 $2,185.46 Data Not Available $1,906.96
New Jersey $5,713.58 Data Not Available $7,617.00 $2,754.94 $6,766.62 Data Not Available $3,972.72 $7,527.16 $4,254.49 Data Not Available
New Mexico $4,200.65 Data Not Available $4,315.53 $4,458.30 Data Not Available $3,514.38 $3,119.18 $2,340.66 Data Not Available $2,296.77
Nevada $5,371.62 $5,441.18 $5,595.56 $3,662.09 $6,201.55 $3,477.14 $4,062.57 $5,796.34 $5,360.41 $3,069.07
New York $4,740.97 Data Not Available Data Not Available $2,428.24 $6,540.73 $4,012.93 $3,771.15 $4,484.58 $4,578.79 $3,761.69
Ohio $3,197.22 $1,515.17 $3,423.01 $1,867.19 $4,429.74 $3,300.89 $3,436.96 $2,507.88 $3,135.16 $1,478.46
Oklahoma $3,718.62 Data Not Available $4,142.40 $3,437.34 $6,874.62 Data Not Available $4,832.35 $2,816.80 Data Not Available $3,174.15
Oregon $4,765.95 $3,527.28 $3,753.52 $3,220.12 $4,334.55 $3,176.83 $3,629.13 $2,731.48 $2,892.19 $2,587.15
Pennsylvania $3,984.12 Data Not Available Data Not Available $2,605.22 $6,055.20 $2,800.37 $4,451.00 $2,744.23 $7,842.47 $1,793.37
Rhode Island $4,959.45 Data Not Available Data Not Available $5,602.63 $6,184.12 $4,409.63 $5,231.09 $2,406.51 $6,909.45 $4,323.98
South Carolina $3,903.43 Data Not Available $4,691.85 $3,178.01 Data Not Available $3,625.49 $4,573.08 $3,071.34 Data Not Available $3,424.77
South Dakota $4,723.72 $4,047.47 $3,768.80 $2,940.29 $7,515.99 $2,737.66 $3,752.81 $2,306.23 Data Not Available Data Not Available
Tennessee $4,828.85 Data Not Available $3,430.07 $3,283.42 $6,206.69 $3,424.96 $3,656.91 $2,639.30 $2,738.52 $2,739.28
Texas $5,485.44 $4,848.72 Data Not Available $3,263.28 Data Not Available $3,867.55 $4,664.69 $2,879.94 Data Not Available $2,487.89
Utah $3,566.42 $3,698.77 $3,907.99 $2,965.57 $4,327.76 $2,986.57 $3,830.10 $4,645.83 Data Not Available $2,491.10
Virginia $3,386.80 Data Not Available Data Not Available $2,061.53 Data Not Available $2,073.00 $2,498.58 $2,268.95 Data Not Available $1,858.38
Vermont $3,190.38 Data Not Available Data Not Available $2,195.71 $3,621.08 $2,128.21 $5,217.14 $4,382.84 Data Not Available $1,903.55
Washington $3,540.52 $3,713.02 $2,962.00 $2,568.65 $3,994.73 $2,129.84 $3,209.52 $2,499.78 Data Not Available $2,262.16
West Virginia $3,820.68 Data Not Available Data Not Available $2,120.80 $2,924.39 Data Not Available Data Not Available $2,126.32 Data Not Available $1,984.62
Wisconsin $4,854.41 $1,513.27 $3,777.49 $3,926.20 $6,758.85 $5,224.99 $3,128.91 $2,387.53 Data Not Available $2,975.74
Wyoming $4,373.93 Data Not Available $3,069.35 $3,496.56 $1,989.36 $3,187.20 $4,401.17 $2,303.55 Data Not Available $2,779.53

– Rates Compared to State Average

If you’re considering purchasing Allstate car insurance, here’s how their rates stack up against the average rates in your state.

Use the table below to find out how Allstate does in your state.

State Allstate Annual Premium Higher/Lower Than State Average Percent Higher/Lower Than State Average
Alaska $3,145.31 -$276.21 -8.07%
Alabama $3,311.52 -$255.44 -7.16%
Arkansas $5,150.03 $1,025.05 24.85%
Arizona $4,904.10 $1,133.13 30.05%
California $4,532.96 $844.03 22.88%
Colorado $5,537.17 $1,660.78 42.84%
Connecticut $5,831.60 $1,212.68 26.25%
District of Columbia $6,468.92 $2,029.68 45.72%
Delaware $6,316.06 $329.74 5.51%
Florida $7,440.46 $2,760.00 58.97%
Georgia $4,210.70 -$756.13 -15.22%
Hawaii $2,173.49 -$382.15 -14.95%
Iowa $2,965.86 -$15.42 -0.52%
Idaho $4,088.76 $1,109.67 37.25%
Illinois $5,204.41 $1,898.93 57.45%
Indiana $3,978.81 $563.84 16.51%
Kansas $4,010.23 $730.61 22.28%
Kentucky $7,143.92 $1,948.52 37.50%
Louisiana $5,998.79 $287.45 5.03%
Maine $3,675.59 $722.31 24.46%
Maryland $5,233.17 $650.47 14.19%
Massachusetts $2,708.53 $29.68 1.11%
Michigan $22,902.59 $12,403.95 118.15%
Minnesota $4,532.01 $128.76 2.92%
Missouri $4,096.15 $767.22 23.05%
Mississippi $4,942.11 $1,277.54 34.86%
Montana $4,672.10 $1,451.26 45.06%
North Carolina $7,190.43 $3,797.32 111.91%
North Dakota $4,669.31 $503.47 12.09%
Nebraska $3,198.83 -$84.85 -2.58%
New Hampshire $2,725.01 -$426.77 -13.54%
New Jersey $5,713.58 $198.36 3.60%
New Mexico $4,200.65 $737.01 21.28%
Nevada $5,371.62 $509.92 10.49%
New York $4,740.97 $451.08 10.51%
Ohio $3,197.22 $487.51 17.99%
Oklahoma $3,718.62 -$423.70 -10.23%
Oregon $4,765.95 $1,298.18 37.44%
Pennsylvania $3,984.12 -$50.38 -1.25%
Rhode Island $4,959.45 -$43.91 -0.88%
South Carolina $3,903.43 $122.29 3.23%
South Dakota $4,723.72 $741.45 18.62%
Tennessee $4,828.85 $1,167.96 31.90%
Texas $5,485.44 $1,442.16 35.67%
Utah $3,566.42 -$45.47 -1.26%
Virginia $3,386.80 $1,028.93 43.64%
Vermont $3,190.38 -$43.75 -1.35%
Washington $3,540.52 $481.20 15.73%
West Virginia $3,820.68 $1,225.32 47.21%
Wisconsin $4,854.41 $1,248.35 34.62%
Wyoming $4,373.93 $1,173.85 36.68%

Allstate is lower than average in 12 states, which essentially means you may pay more depending on your geographic location.

– Rates by Make and Model

What vehicle you drive can also have an impact on your car insurance. Below, we show you what you can expect to pay for five specific models from Allstate and its competitors.

Make And Model Allstate USAA Geico State Farm American Family Nationwide Progressive Farmers Travelers
2015 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$4,429.74 $2,551.56 $3,092.11 $3,204.23 $3,447.30 $3,571.01 $3,914.05 $4,093.50 $4,023.47
2015 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$4,753.69 $2,409.67 $3,092.58 $3,024.24 $3,178.82 $3,547.84 $4,429.56 $4,405.21 $4,420.37
2015 Toyota RAV4
XLE
$4,324.99 $2,454.58 $3,090.89 $3,226.02 $3,326.18 $3,517.03 $3,647.22 $3,728.22 $4,383.78
2018 Ford F-150
Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6
$5,491.12 $2,855.69 $3,338.40 $3,497.17 $3,487.91 $3,373.64 $3,962.58 $4,390.19 $4,412.42
2018 Honda Civic Sedan
LX with 2.0L 4cyl and CVT
$5,380.28 $2,422.66 $3,338.87 $3,189.99 $3,721.32 $3,361.93 $4,528.90 $4,779.51 $4,661.22
2018 Toyota RAV4
XLE
$4,947.90 $2,529.63 $3,337.18 $3,418.33 $3,496.99 $3,328.57 $3,730.78 $3,769.00 $4,708.19

– Average Annual Premiums by Commute

If you drive more than 12,000 miles a year, you may also see your car insurance rates start to rise.

Group 10 miles commute / 6,000 annual mileage 25 miles commute / 12,000 annual mileage
Allstate $4,841.71 $4,934.20
American Family $3,401.30 $3,484.88
Farmers $4,179.32 $4,209.22
Geico $3,162.64 $3,267.37
Liberty Mutual $5,995.27 $6,151.63
Nationwide $3,437.33 $3,462.67
Progressive $4,030.02 $4,041.01
State Farm $3,175.98 $3,344.01
Travelers $4,399.85 $4,469.96
USAA $2,482.69 $2,591.91

Allstate customers can expect to pay the second-highest rates when it comes to their commute. Other factors such as living in a rural or urban area could also contribute to the cost of your insurance,

– Coverage Level Rates

You might think that having the lowest minimum coverage in your state is the best way to ensure you and your family are protected. But that’s not necessarily the case, because sometimes the difference in low to high coverage is less than you think.

Check out the table below to see the differences in coverage in your state.

Company High Coverage Medium Coverage Low Coverage
Allstate $5,139.02 $4,896.81 $4,628.03
American Family $3,416.40 $3,544.37 $3,368.49
Farmers $4,494.13 $4,166.22 $3,922.47
Geico $3,429.14 $3,213.97 $3,001.91
Liberty Mutual $6,356.04 $6,058.57 $5,805.75
Nationwide $3,505.37 $3,449.80 $3,394.83
Progressive $4,350.96 $4,018.46 $3,737.13
State Farm $3,454.80 $3,269.80 $3,055.40
Travelers $4,619.07 $4,462.02 $4,223.63
USAA $2,667.92 $2,539.87 $2,404.11

Up next, we discuss how your credit score could affect what you pay for car insurance with Allstate.

– Credit History Rates

Besides not being able to secure a car loan or a mortgage, poor credit can also have an impact on how much you pay for car insurance. The table below reflects what you’ll pay for car insurance if you have good, fair, or poor credit. Of course, these are estimates, and your rates may be different based on your situation.

Company Good Fair Poor
Allstate $3,859.66 $4,581.16 $6,490.65
American Family $2,691.74 $3,169.53 $4,467.98
Farmers $3,677.12 $3,899.41 $4,864.14
Geico $2,434.82 $2,986.79 $4,259.50
Liberty Mutual $4,388.18 $5,604.24 $8,802.22
Nationwide $2,925.94 $3,254.83 $4,083.29
Progressive $3,628.85 $3,956.31 $4,737.64
State Farm $2,174.26 $2,853.00 $4,951.20
Travelers $4,058.97 $4,344.10 $5,160.22
USAA $1,821.20 $2,219.83 $3,690.73

The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars.

– Driving Record Rates

If you get a speeding ticket, have an accident, or get a DUI, your rates with Allstate will increase in most states.

The table below shows rates with these three violations compared to the rate for a clean record.

Company Clean record With 1 speeding violation With 1 accident With 1 DUI
Allstate $3,819.90 $4,483.51 $4,987.68 $6,260.73
American Family $2,693.61 $3,025.74 $3,722.75 $4,330.24
Farmers $3,460.60 $4,079.01 $4,518.73 $4,718.75
Geico $2,145.96 $2,645.43 $3,192.77 $4,875.87
Liberty Mutual $4,774.30 $5,701.26 $6,204.78 $7,613.48
Nationwide $2,746.18 $3,113.68 $3,396.95 $4,543.20
Progressive $3,393.09 $4,002.28 $4,777.04 $3,969.65
State Farm $2,821.18 $3,186.01 $3,396.01 $3,636.80
Travelers $3,447.69 $4,260.80 $4,289.74 $5,741.40
USAA $1,933.68 $2,193.25 $2,516.24 $3,506.03

Coverage Offered By Allstate

Allstate offers the same coverage as all of the other companies do, and in most cases, at a higher rate. Let’s take a look at standard insurance terms and go into detail about what they mean. Some companies advertise about coverage if a flying pig wrecks your car, but what is that actual coverage called?

Oink coverage? We know it can be confusing, so that’s why we’ve compiled a list of common coverages with a brief explanation. Different coverage types fall into four basic categories:

– When you are at fault:

Liability coverage covers the physical damages you inflict upon another vehicle and the bodily injuries sustained by all individuals in the other vehicle

– When you are not at fault:

Uninsured and Underinsured Motorist Coverage covers your expenses if the at-fault driver has little or no liability coverage.

– Vehicle Protection:

– Personal Protection:

  • Medical Payments Coverage – covers medical and funeral expenses of those in your vehicle
  • Personal Injury Protection – covers costs incurred from injuries to yourself and lost wages no matter who is at fault
  • Umbrella Policy – covers just about anything else you could be held liable for, but most commonly used if a lawsuit is filed against you

Allstate’s extensive list of auto insurance coverages means you can tailor a car insurance plan to meet your needs.

– Additional Car Insurance Options

In addition to the numerous car insurance options we’ve already covered, Allstate offers the following add-on insurance options.

  • Classic Car Insurance — Custom-tailored insurance for your classic car.
  • Ride-Sharing Coverage — If you want to be a rideshare driver, then you’ll need ridesharing insurance.
  • Mexico Tourist Auto Insurance — Planning a trip to Mexico? Allstate offers a car insurance policy that helps cover drivers in Mexico (policy matches length of stay for up to a year).
  • Rental Reimbursement — Pays for the cost of a rental car while yours is in the repair shop.
  • Roadside Assistance — Pays for the cost of most common roadside services (such as tire changes).
  • Property Protection — Covers the cost of damages that you accidentally caused to someone else’s property.
  • Sound System Coverage — Can’t live without music in your car? This coverage covers the cost of replacing stolen/damaged sound systems in your vehicle.
  • Drivewise® — Allstate has a usage-based program that runs on an app (Drivewise®) and creates a policy discount.
  • Milewise® — Usage-based program that charges premiums based on the actual miles driven each month.

These additional coverages and options are perfect if you want a little extra coverage on your policy. For example, classic car insurance is essential because even if your classic car never leaves your garage, you’ll need coverage on it.

The good news is that classic car insurance is generally cheaper than regular car insurance because classic cars aren’t driven as much.

The other add-on policies on the list are similar to classic car insurance — they give you needed protection at a reasonable cost.

– Where is Allstate available?

Allstate is available in all 50 states, so, no matter where you live, you’re in good hands. However, keep in mind that you must notify Allstate when you change geographic locations so that they can adjust your rates accordingly.

– Discounts Offered

We’ve already learned that Allstate’s basic rate is more expensive than other insurance companies, which is why we want to look at Allstate’s discounts.

Discounts can help bring costs down, making car insurance more affordable. Below is a list of Allstate’s discounts.

Allstate Discounts Percentage Saved
Anti-lock Brakes 10%
Anti-Theft 10%
Claim Free 35%
Daytime Running Lights 2%
Defensive Driver 10%
Distant Student 35%
Driver's Ed 10%
Driving Device/App 20%
Early Signing 10%
Electronic Stability Control 2%
Farm Vehicle 10%
Full Payment 10%
Good Student 20%
Green Vehicle 10%
Multiple Policies 10%
Newer Vehicle 30%
On Time Payments 5%
Paperless Documents 10%
Paperless/Auto Billing 5%
Passive Restraint 30%
Safe Driver 45%
Senior Driver 10%
Utility Vehicle 15%
Vehicle Recovery 10%

While Allstate is more expensive than other providers, it also offers a lot of discounts. If you’re a safe driver, getting Allstate’s driving app that monitors driving habits could save you money on your premiums each month.

When considering Allstate, be sure to discuss all of these discount options with your agent to see if any of them apply to you.

– What Stands Out at Allstate

So what makes Allstate stand out from other insurance companies? Allstate’s rates are higher than its competitors, but its plethora of discounts available to its customers could reduce rates to a more manageable level.

Allstate also has programs that can save you money, such as Allstate’s driving apps. Allstate also has an accident forgiveness policy.

– What’s Missing at Allstate

We know that Allstate offers a lot of discounts, but the company is notably missing a significant discount that most other providers give.

Allstate doesn’t have a discount for military personnel, an option that is available at most providers.

If you are military personnel, USAA generally offers the best affordable rates and discounts. This doesn’t mean you still can’t get a good deal at Allstate. If you utilize multiple discounts and programs, you can reduce Allstate premiums significantly.

Canceling Your Policy

Over time, there may be occasions when you may need to cancel or adjust your insurance policy with Allstate. Here are four examples which may apply to you:

  • Selling a car and not replacing it
  • Storing a classic or antique car
  • A teen is heading to college and will no longer be driving the car
  • A car has been paid off and no longer requires comprehensive cover

But what if you want to cancel your policy for other reasons such as customer dissatisfaction, rates that are too high, or you’re moving geographic locations?

Here’s what you need to know:

– How to Cancel

You’ll need to pick up the phone and call your local agent if you want to cancel your policy. Allstate’s website does allow you to modify or change some policies but doesn’t allow for canceling a policy.

– Is There a Cancellation Fee?

Allstate doesn’t generally charge a cancellation fee, but could if state law allows it. The company will also prorate any unused portion of your paid premium and refund you the difference.

– When Can I Cancel?

Don’t cancel your policy until you’ve secure representation with another company. Even a one day lapse in coverage can cause unwanted headaches and possible fines in some states. The cancellation will go into effect at midnight the following day after your policy expires or whatever day you have chosen to end the policy.

How To Make a Claim

Uh, oh. You’ve been in an accident and need to file a claim. How does that work?

– Ease of Making a Claim

Well, Allstate makes it easy with these simple steps:

  • Online through the Allstate website
  • Via the Allstate mobile app
  • Calling the 24/7 claims phone number at  1-800-ALLSTATE
  • Find an agent locally to get help with your claim.

Allstate also offers a Claim Satisfaction Guarantee., which makes sure the claim process is to your satisfaction.

If you feel a claim wasn’t handled properly, you can send a letter with your complaint within 180 days of the accident. If your complaint meets the Claim Satisfaction Guarantee, Allstate will refund you six months of your policy premium. This guarantee isn’t available in all states.

Now, that we’ve shown you how to file a claim, let’s look at how Allstate pays out claims to its customers. Loss ratios can give us some insight into the answer to that question.

– Premiums Written and Loss Ratio

The information below comes from NAIC and shows the premiums written by Allstate compared to its loss ratio over four years.

Private Passenger Auto 2015 2016 2017 2018
Premiums written $20.1 billion $20.8 billion $21.4 billion $22.6 billion
Loss Ratio 65.22 % 64.75% 59.51% 56%

The company has shown consistent growth over the lookback period, which means it’s attracting more customers. The loss ratio, though, has declined slightly.

What exactly is a loss ratio?

The decrease in Allstate’s loss ratio could mean that the company is paying out fewer claims, or it could mean that in those years Allstate’s customers were in fewer accidents.

Nevertheless, Allstate is a financially stable company, meaning that if you have a valid claim, the company will be able to pay it.

How to Get a Quote Online

Maybe you don’t want to let your fingers do the walking and speak with an agent by phone. No problem. Up next, we’re going to show you how to get a quote online in simple, easy to follow steps.

Step #1 – Find Quote Box and Enter your zip code

The first thing you’ll need to do is go to Allstate’s website and click on the auto insurance quote option.

Next, you will see a page that requests your zip code and offers an option to add bundled policies to your quote. Remember, bundling policies can help you earn a discount.

Allstate online quote step 1

Step #2 – Enter Your Basic Info

From there, you will proceed to pages that request basic personal information, such as your name, birth date, address, and email address.

Allstate online quotes step 2

Step #3 – Enter Additional Info

Other information you will have to provide includes the following:

  • Vehicle Information (how it’s used, how old it is, safety devices, etc.)
  • Job Information (occupation, length of time at that career)
  • Driving History (accidents and violations)
  • Coverage Level (chose what level of coverage you want)

Step #4 – Add Vehicles

allstate quotes step 4

Step #5 – Enter Your Phone Number

The final step is entering your phone number and permitting an agent to call you. If you don’t, you can’t continue with the quote process.

This process allows you to speak directly to an agent, who can answer any questions or concerns you have about your quote and whether you missed anything when filling in your information.

Step #6 – Your Quote is Saved

Your quote is also saved in Allstate’s database so that you can access it at any time.

As a reminder, below is the personal information Allstate requires for a quote.

Information Required
Basic Information: Birth-date, Address, etc. Yes
Driver's License No
Email Address Yes
Phone Number Yes
Social Security Number No
Vehicle Identification Number No

To get as accurate a quote as possible, be sure to fill out all required information about your vehicle and driving record.

Design of Website/App

While other insurance company websites and apps may be difficult to navigate, Allstate’s is relatively simple and easy to use. On the website, it is easy to find whatever information you’re searching for. Just click and go.

Allstate website easy to use

You will see four different dropdown options on the top of the page.

  1. Get a Quote — Allows you to select the type of insurance you want a quote for, from condo insurance to auto insurance.
  2. Insurance and More — Shows what types of insurance Allstate offers.
  3. Claims — Provides everything from an overview of claims to claims tracking.
  4. Tools and Resources — Articles explaining insurance coverages and basic insurance questions.

The format of the website is similar on tablets and phones, though it will be different on Allstate’s app. If you can’t find an answer to your question on the website, Allstate also has a Youtube channel that offers solutions to common questions.

– Allstate® Mobile App

Allstate’s mobile app has 4.8 out of five stars in the app store from over 256,000 reviews. For people that are always on their phones and other devices, the Allstate app makes it easier to access their policy information wherever their location.

Allstate app store screenshots

Some of the common complaints in the review section were about bugs with the Drivewise® section of the app, such as the app deactivating the program when closed.

Here’s a quick video about Drivewise® and how it may be beneficial for your situation.

– Other App Features

Have you been in an accident? Allstate has an option called QuikFoto Claim where you can snap a picture of the damage and start the claims process.

According to Allstate’s website, here are other convenient options available on the app:

  • Instant Agent Access
    Instantly contact your agent through the app. Plus, store agent and auto policy information to Passbook for quick and easy access
  • Digital ID Cards
    Access proof of insurance without having to reach for the glove box or sift through papers.
  • Policy Documents
    View your policy documents and agent information on the spot, and even email it directly from the app, whenever you need it.
  • Manage Claims
    Start a claim and track any changes or updates. Plus, you can use the Accident Toolkit to follow the step-by-step checklist immediately following a collision.
  • Roadside Assistance
    Have a flat? Car break down? Every minute counts when you’re stranded on the road. Know who’s coming and when with our 24/7 Roadside Network. Our On-Demand service is accessible to any driver, any car, any time.
  • Escape Route
    Use augmented reality to create paths to safety in the event of a fire.
  • Preference Management
    Easily manage your contact information and communication preferences. Choose from email and push notifications for billing/payment, policy communications, and more.
  • Helpful Extras
    Additional features like Allstate’s Car Buying Service, Parking Reminder and Gas Finder make navigating each day a little easier.

Pros and Cons

Now that we have covered everything you need to know about Allstate, let’s check out the biggest takeaways in terms of pros and cons.

Pros Cons
Strong financial stability More expensive than other providers
Offers multiple discounts/programs to save money Doesn't have a military discount
First accident forgiveness Quotes not completely online (have to call to receive quote)
Multiple coverage options Customer satisfaction ratings could be higher

The Bottom Line

We’ve shown you everything you need to know about Allstate, so you can decide for yourself whether Allstate is right for you. With Allstate, you may be in good hands, but you certainly don’t want to pay too much by being so.

One thing to consider is that everyone’s needs are different, and rates can vary significantly based on individual factors.

As thorough as this guide is, we still strongly suggest that you shop around with your personal details and specific vehicle information before you choose an auto insurance provider.

Get quotes today to find out how much you could save on car insurance. Get started by simply entering your zip code in our FREE comparison tool.

Frequently Asked Questions (FAQ)

If you still have questions, don’t fear. We are going to go through some of the most common questions people ask about Allstate.

– Will using Drivewise® increase my auto insurance rates?

Since Drivewise® monitors your driving habits, some people think that bad driving habits will add to their policy’s costs.

The good news is that Drivewise® only lowers your costs — Allstate doesn’t add more costs for bad driving habits.

While you may not receive a discount for that month you slammed on the brakes one too many times, costs won’t be added on.

– What is Milewise®, and does it work?

Milewise® is a usage-based program. It is perfect for people who don’t drive that much (such as people who work from home). You’ll have to download the Milewise® app or get a Milewise® device.

You’ll then pay a daily rate and then a per-mile rate, which is lower than the usual premiums.

– Does Allstate cover damages from fires or floods?

Allstate doesn’t cover car damages from natural disasters UNLESS you have comprehensive coverage. Comprehensive coverage will cover losses from natural disasters, animal collisions, and theft/vandalism.

– Can I switch Allstate agents?

Absolutely. If you like Allstate but not your agent, you can easily switch to a different agent without it affecting your rates.

You can research agents through Allstate’s homepage to find a new agent near you. This is useful if you like meeting in person with an agent to discuss your policy (rather than over a phone).

Allstate will help guide you through the process, which is basically signing a form so that your information can be switched over to your new agent.

– Does Allstate car insurance cover rental cars?

It is best to call an agent and ask directly, as not all Allstate policies cover rental insurance.

If your policy does cover rental cars, you should be aware that Allstate generally doesn’t cover rental cars outside of the U.S.

Now that you’ve made it through our extensive review of Allstate, you are prepared to decide of if Allstate is the right company for you.

Enter your zip code below to start comparison shopping today.

References:
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