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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Allstate is a major player in the auto insurance industry. As of 2024, Allstate was the fourth-largest car insurance company in the U.S., with a market share of more than 10%, according to the National Association of Insurance Commissioners (NAIC). The company stands out for its below-average premiums and superior financial strength.
We reviewed Allstate car insurance based on verified Insurify user reviews, third-party rankings, and our expert analysis to give you a data-driven look at Allstate’s performance. Here’s how Allstate stacks up in terms of price, claims, customer satisfaction, and other important factors.
Average monthly premium: $139 per month for a full-coverage policy
Allstate user rating: 3.9/5 from 7,574 verified Insurify reviews
Insurify Quality (IQ) Score: 8.9/10
Best for: Low premiums
Allstate is best for drivers who need basic coverage and want low premiums from a reputable insurer with nationwide coverage.
The company has below-average rates compared to other larger insurers, and it claims that drivers who switch to Allstate save an average of $713 per year. A handful of discounts are also available for additional savings. Allstate’s telematics program, Drivewise, is highly rated and offers reduced premiums for safe driving habits.
Allstate offers basic insurance options, like bodily injury liability, property damage liability, and full coverage. Add-on coverage options are limited, but it does offer insurance for rideshare drivers, classic cars, and electric vehicles.
Unfortunately, J.D. Power gives Allstate a below-average customer satisfaction score in every region except Florida and New England, where it scored well. It also has a below-average claims satisfaction rating from J.D. Power.[1] [2]
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states and Washington, D.C., the company has superior ratings from AM Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Well-established with superior ratings from AM Best
Pay-per-mile option available
Low customer satisfaction
Rates are merely average compared to other insurers
We’ve collected more than 7,574 real Insurify customer reviews. The following table highlights key themes Insurify identified from these user experiences.
Category  | Average Score |
|---|---|
| Overall experience rating | 3.9/5 |
| Customer service | 3.8/5 |
| Value | 3.5/5 |
| Claims handling | 3.8/5 |
| Coverage options | 3.8/5 |
| Discounts | 3.8/5 |
| Policy transparency | 3.8/5 |
| Policy flexibility | 3.9/5 |
See quotes from 120+ top insurers
To help insurance shoppers pick the best company for their needs, Insurify collects reviews from verified drivers who are switching to a new insurance company. These reviews can give you an idea of what real customers think about their insurer — both good and bad.
Check out Allstate insurance reviews from real customers below.
Industry ratings offer an objective look at an insurance company’s financial stability, customer experience, and claims performance. Comparing ratings helps drivers understand what kind of value and service an insurer provides. Allstate’s ratings show super financial stability, but the company scores below average for customer satisfaction and its claims experience.
Rating | Score | What This Means |
|---|---|---|
| IQ Score | 8.9/10 | Higher IQ Score than many other large insurers |
| AM Best | A+ | Superior financial strength and ability to pay claims |
| J.D. Power claims satisfaction | 693/1,000 | Below-average claims satisfaction |
| NAIC complaint index | 1.00 | Average number of complaints for its size |
| BBB customer reviews | 1.12/5 | Poor rating due to 160 unresolved complaints |
|  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $107/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $190/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $143/mo* |
Overall rating 3.9 | Overall rating 3.3 | Overall rating 4.0 | Overall rating 3.5 | Overall rating 4.8 |
Value for money 3.5/5 | Value for money 3.2/5 | Value for money 3.8/5 | Value for money 3.3/5 | Value for money 4.3/5 |
Customer service 3.8/5 | Customer service 3.4/5 | Customer service 4.0/5 | Customer service 3.4/5 | Customer service 4.5/5 |
Claims handling 3.8/5 | Claims handling 3.4/5 | Claims handling 4.1/5 | Claims handling 3.6/5 | Claims handling 4.7/5 |
Special highlight Accident forgivenessAI-generated from 3935 user reviews | Special highlight Competitive ratesAI-generated from 7488 user reviews | Special highlight Teen driversAI-generated from 6880 user reviews | Special highlight Numerous discountsAI-generated from 1807 user reviews | Special highlight Numerous discountsAI-generated from 505 user reviews |
Allstate has cheaper car insurance rates than most of its biggest competitors. The average insurance premium from Allstate is $139 per month for minimum coverage and $74 per month for full coverage.
Allstate car insurance rates are also generally lower for most driver types, including people with an incident on their record. Despite its cheaper rates, Allstate’s customer satisfaction and claims satisfaction are both below par.
The table below shows how Allstate’s average car insurance premiums compare to those of other national insurance companies based on driving record.
Driving Record | Allstate | Progressive | GEICO | Liberty Mutual | Travelers |
|---|---|---|---|---|---|
| Clean driving record | $139 | $173 | $139 | $218 | $186 |
| One speeding ticket | $182 | $191 | $187 | $277 | $243 |
| At-fault accident | $182 | $208 | $169 | $290 | $246 |
| DUI | $205 | $250 | $195 | $321 | $274 |
Here are Allstate’s average rates for auto insurance by age demographic, with the average rates of key competitors.
Age | Allstate | Progressive | GEICO | Liberty Mutual | Travelers |
|---|---|---|---|---|---|
| Teen drivers | $296 | $287 | $250 | $374 | $422 |
| Adult drivers | $135 | $133 | $137 | $241 | $171 |
| Senior drivers | $108 | $93 | $101 | $177 | $137 |
Car insurance discounts are one of the best ways to lower auto insurance rates. Allstate offers the following discounts:
Anti-lock brakes
Anti-theft device
Drivewise
Good student
Pay in full
Policy bundling
Responsible payer
You can find insurance policies from Allstate auto insurance to fit your needs and stay fully protected. Here’s a breakdown of the coverage options the company offers:
Liability insurance applies to your liability in the event of injury or death or if you damage another person’s vehicle and you’re at fault. It protects you when you accidentally harm others, but it doesn’t cover any property or vehicle damage, or injuries to yourself.
If you’re in a collision with another vehicle or an object such as a street light or pole, collision insurance can pay for the costs related to your damage. Collision insurance also covers rollover accidents and pothole damage.
If you want to fill the gap and include other types of damage to your vehicle — such as from a fire, theft, vandalism, weather hazards, cracked windshields, or pesky debris on the highway — comprehensive insurance has you covered. This ensures you have protection in a variety of non-collision scenarios.
Getting into an accident with a driver who has inadequate or no car insurance could be a major hassle. With uninsured/underinsured motorist coverage, you’ll get help with expenses if the other party is at fault and without coverage.
This can be a much-needed safeguard in the unfortunate event you’re in an accident with a driver who doesn’t have car insurance. Uninsured motorist coverage can also pay in the case of a hit-and-run accident.
Medical payments coverage is for you and any passengers in your vehicle if you’re injured in an accident, and it helps with medical payments.
Similarly, personal injury protection can offer additional coverage if you’re hurt in an accident. This may cover part of your income or childcare expenses and more.
Allstate offers some additional coverages, including:
Roadside assistance: If you’d like to be protected if you get a flat tire or if your car dies and you need a jump-start, roadside assistance coverage is a good idea.
Personal umbrella policy: Umbrella insurance provides higher coverage limits than a standard liability policy.
Rental reimbursement coverage: If your vehicle is getting repaired after an eligible and covered accident, this can help reimburse the cost of a rental car while you’re without a car.
Accident forgiveness: This optional coverage can keep your premium stable following your first at-fault accident. You’ll generally need to be a good driver with no recent at-fault accidents to be eligible for this coverage.
Gap coverage: Gap insurance can help pay off a car loan or lease if your vehicle is totaled and the insurance payout is less than your outstanding loan or lease balance.
Allstate has a variety of insurance coverages. Besides auto insurance, here are some of the other insurance products you can get:
Homeowners: This covers damage to your home and provides liability coverage if someone is injured on your property.
Renters: Renters insurance covers your personal items that get damaged in a covered loss. It also covers liability and loss of use.
Life: This coverage replaces your lost income if you pass away and protects your family financially.
Insurify shows you real-time quotes from top insurers
Follow these steps to file an insurance claim with Allstate:[3]
File the claim. Allstate customers can report and file a claim online through My Account or by phone.
Provide additional details. Document key information, like the date the incident occurred, witnesses, photos of damage, and the police report, if available.
Get a repair estimate. Visit a repair shop in Allstate’s Good Hands Repair Network or pick your own. But repairs are guaranteed for as long as you own the vehicle if you choose an in-network mechanic.
Pay your deductible. Once your claim is approved, pay your deductible amount toward the cost of repairs, and Allstate will pay out to cover the rest of the claim.
Before buying insurance from Allstate, compare your options and get your most common questions answered.
Yes. Allstate is a legitimate car insurance company that’s been around since 1931. It’s the fourth-largest U.S. auto insurance by market share, according to the NAIC. The company offers many different insurance products, including auto, home, and life insurance.
Though it has mixed consumer reviews, Allstate is a well-known company in the insurance space, and it’s available in all 50 states and Washington, D.C.
Allstate car insurance may be worth it for some drivers, as the company is well-established and offers a wide variety of discounts and coverage options.
The current national average cost for Allstate car insurance is $74 per month for liability coverage and $139 per month for full coverage, based on Insurify data. Compared to other insurers, that’s a reasonable rate.
AM Best gives Allstate an A+ (Superior) financial strength rating, which is used to assess the financial viability of paying claims in a reasonable time frame. Customer reviews vary regarding getting claims paid.
Allstate customer satisfaction is relatively low when looking at various review sites. The lowest review comes from Trustpilot, which gives Allstate 1.3 out of 5 stars, and the highest review is from ConsumerAffairs, with 3.8 out of 5 stars.
The company’s customer satisfaction ratings from J.D. Power are mixed. It ranks better than average for overall customer satisfaction in California, Florida, New York, and New England but below average in all other regions J.D. Power studies.
Allstate doesn’t have a great reputation for paying claims. In the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, Allstate is rated below the industry average. But it does have superior financial strength, indicating the insurer is able to pay claims and meet other policyholder obligations.
Allstate car insurance doesn’t advertise how long it takes to settle insurance claims, but once your claim is approved, you can get paid quickly. Zelle payments are issued within two hours, and direct deposits are paid in two to five business days. If you opt for a paper check, you’ll receive it within two weeks.
Yes. Allstate’s usage-based insurance program is called Drivewise. Each time you drive, the Allstate mobile app tracks your driving habits, like speed and brake force. When you demonstrate safe driving behaviors, you can earn a discount every six months.
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Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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