Its memorable commercials aren’t the only reason drivers trust Allstate. A wide range of home, auto, and life insurance coverages has made Allstate an industry leader and has kept customers satisfied for decades.
Who Benefits Most and Least from Allstate Insurance?
- People looking for a trusted, financially stable company
- Young drivers looking for discounts
- Rideshare drivers looking for affordable coverage
Not the Best For…
- Drivers looking for the lowest prices
- Drivers who don’t prioritize advanced features or mobile apps
Allstate: Mayhem is no match for this insurance heavyweight
In an iconic ad campaign, actor Dennis Haysbert summed up Allstate’s mission in five simple words: “Are you in good hands?” From using Haysbert’s memorably deep, soothing voice to its more playful “Protection from Mayhem” ad campaign, Allstate has always managed to stay relevant and popular. (And it doesn’t hurt that the Sugar Bowl, one of college football’s biggest games of the year, is sponsored by Allstate.)
But it’s not just great advertising that attracts drivers to Allstate. The company’s popular services, like accident forgiveness and its DriveWise program, have kept customers satisfied. Its use of modern tools—like a popular app that has nearly 5 stars in the App Store—has made it easy for customers to quickly file claims and pay their bills. But such excellent service quite literally comes with a price, as Allstate’s premiums tend to run a bit higher than its competition.
So is Allstate the right company for you? Read on to learn more about one of the car insurance industry’s most recognizable brands.
Allstate Car Insurance Ratings
Insurify Composite Score: 86 out of 100. This score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.
U.S. Auto Insurance Shopping Study (2018)
Overall Satisfaction The rest
Call Center Representative About average
Pricing The rest
Local Agent About average
Policy Offerings The rest
Insurer Website The rest
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction About average
Repair Process Better than most
Claim Servicing About average
Settlement About average
Rental Experience About average
Estimation Process Better than most
First Notice of Loss (FNOL) About average
J.D. Power Ratings by Region (out of 1,000)
Region Ratings State Average
Southwest 815 About average
Southeast 830 About average
Texas 835 Better than most
Central 822 About average
Mid-Atlantic 837 About average
New England 834 Better than most
Florida 837 Better than most
California 820 About average
New York 824 About average
North Central 823 About average
Northwest 798 The rest
Company Name Ratings
A.M. Best A+
Standard & Poor's AA-
Allstate Car Insurance Quotes and Discounts
Want to make sure you’re getting the best deal on your insurance policy? Well, a good first step is comparing quotes and discounts from different insurance companies. So to help you get the cheapest, most comprehensive deal on car insurance, here’s how Allstate stacks up against the competition.
Auto Insurance Quotes Comparison: Allstate vs. Progressive, GEICO, and State Farm
So how does Allstate measure up against other insurance providers? Insurify’s data team compared Allstate car insurance quotes to other companies’ offerings to answer this question. Below are monthly rates for a 42-year-old female driver from Texas with a clean driving record.
As you can see, Allstate isn’t the cheapest option in this scenario—and it’s not even close. That said, this monthly premium doesn’t account for the potential discounts you could receive with Allstate.
Here are the quotes this sample driver would get if she had one speeding ticket on her record:
Insurance company Quote
State Farm $56/month
As you can see, Allstate’s rate doesn’t go up in the case of a speeding ticket—even as Progressive’s and GEICO’s auto insurance quotes increase. In fact, GEICO’s rate goes up by over 50 percent, the harshest penalty on the board. So while Allstate still has the highest rate here, it’s good to see that this driver won’t face a major penalty after receiving a speeding ticket.
Instead of speeding, let’s say this driver had to file a claim from a recent at-fault accident. Here’s how these insurance companies stack up:
Once again, Allstate’s quote is the highest, raising this driver’s rate by $74 after filing this at-fault accident claim. But while this price might intimidate you, reaching out to an Allstate agent is a great way to discover discounts and savings so you can ensure you’re getting the best rate possible.
These prices aren’t necessarily the ones you’ll see while shopping for insurance quotes online. So always be sure to research your options and compare auto insurance quotes online.
Drivers Can SAVE with these Discounts from Allstate
Allstate offers plenty of unique, valuable discounts for drivers. One of its best discounts is the teenSMART program, which offers discounts of up to 35 percent for any teen drivers who complete a comprehensive safe driving course. The teenSMART program is a great way to save on auto insurance quotes while also keeping young drivers safe on the roads.
Maybe you’ve seen commercials for Allstate’s accident forgiveness add-on, which ensures you won’t have to pay a higher rate after an accident. It also offers drivers a five percent discount for every six months they go without an accident.
Another winning offer is Allstate’s Defensive Driver Discount, which offers auto insurance savings of up to 10 percent for drivers who are 25 years old and have completed six hours or more of a defensive driving course.
Here are some of the other notable discounts offered by Allstate:
|New Car Discount||up to 15%|
|Multiple Vehicle Discount||up to 10%|
|Passive Restraint Discount||up to 10%|
|Prepay Discount||up to 10%|
|Paid In Full Discount||up to 10%|
|Early Quote Discount||up to 10%|
|Multiple Policy Discount||up to 10%|
States Where Allstate Car Insurance is Offered
Allstate issues car insurance policies in all 50 states.
Rental car insurance and auto insurance discounts from Allstate vary state to state.
Rideshare insurance through Allstate is available in most states—but isn’t available to drivers in Alabama, Arkansas, Delaware, Florida, Massachusetts, Michigan, Montana, and Rhode Island.
Click here to find the cheapest car insurance quotes in your state.
Allstate Auto Insurance Coverages
- Liability coverage: This is the most important type of car insurance you can have, which is why it’s mandatory in almost every state. Liability coverage guarantees that if you cause an accident, you’ll be able to pay for the other driver’s expenses. Bodily injury liability coverage and property damage liability coverage are the two types of liability coverage and are mandatory in most states.
- Collision coverage: Say your car’s been damaged in an accident. Collision insurance helps you pay to repair or replace your vehicle. This form of coverage applies if you collide with another car, or an object like a fence or tree. It doesn’t cover theft or damage to another individual’s vehicle. Collision coverage has a deductible, which refers to the amount of money you pay before Allstate helps pay for your claim. Here’s some information about choosing the right deductible for yourself.
- Comprehensive coverage: What if your car is damaged—but not in a collision? Enter comprehensive coverage, an insurance policy that helps you pay to replace or repair your vehicle in the event of theft, falling objects, fire, or other non-collision incidents. There are some crucial differences between collision and comprehensive coverage—and an Allstate agent can help you figure out which coverage is right for you.
- Personal injury protection: This coverage helps pay for medical expenses or funeral expenses incurred in an accident. A few states require PIP—and some drivers find it to be worthwhile coverage even if it’s only optional.
- Rental car reimbursement: The per-day cost of a rental car can add up. That’s why Allstate offers rental car reimbursement for drivers whose primary vehicles are in the shop following an accident. This is an add-on to your policy, which means you need to pay an extra premium for it.
- Towing and labor coverage: If you’re having car trouble and require towing services, towing and labor coverage can come in handy. You can add this coverage to your Allstate policy at any time and at a reasonable price.
- Personal umbrella coverage: It has a funny name, so what exactly is personal umbrella coverage, and is it something you need? In short, personal umbrella insurance covers you in the event of a significant liability claim that exceeds your standard auto insurance. To purchase this optional policy from Allstate, your policy must meet certain required limits. Reach out to an Allstate agent to figure out if you qualify.
- Loss of use coverage: After an accident, you might not be able to use your car. In that unfortunate event, Allstate offers coverage that can be used toward taxicabs, ridesharing services, and public transportation as you await your car’s repairs.
- Sound system coverage: This optional add-on covers the costs of replacing or repairing stolen or damaged audio equipment.
- Medical payments coverage: If you or your passengers are injured in an accident, medical payments coverage is there to help. Think of it as a slightly more stripped-down version of personal injury protection.
- Property protection: Michigan drivers, take note: this type of coverage is required in your state and helps cover costs if you damage another person’s personal property.
- Classic car insurance: When it comes to protection, classic cars require a little something extra. Reach out to an agent to learn how Allstate can cover damage to your classic or collectible car’s value.
Other Special Auto Coverages Offered by Allstate Insurance
- Deductible Rewards: Want to earn money off your deductible? Well, Allstate will knock $100 off your deductible the day you sign up for its Allstate Deductible Rewards program. Then, each year you drive accident-free, you’ll knock another $100 off your deductible, up to $500.
- Accident forgiveness: You don’t need to be penalized for accidents. Allstate will let you off the hook by never raising your rates even if the accident was your fault. Simply sign up for Accident Forgiveness.
- Drivewise: After you sign up for Drivewise, Allstate will mail you a small device that plugs right into your car—and tracks your driving so that you can be rewarded for safe driving. For instance, keeping your speed under 80 mph and braking safely are just a few of the habits you can develop to earn discounts.
- Allstate Mobile App: Being about to easily access your driver information is an essential part of staying responsible on the roads. Allstate’s robust mobile app makes it easy to access your digital IDs or get in touch with an Allstate agent quickly.
Other Insurance Products Offered by Allstate Insurance
- Compare Homeowners Insurance: Allstate’s home insurance offers a versatile range of coverage options so that you and your family can stay safe from damage or theft. Coverage options include dwelling coverage (which consists of the walls and roof of your home), coverage for other structures like sheds, personal property coverage, mobile or manufactured home insurance, HostAdvantage (which covers your personal property when you’re home-sharing), and many other add-ons to your policy. And if you’re looking to save, bundling your home and auto insurance can help you save up to 25% with Allstate.
- Renters Insurance: Maybe you don’t own property—but you rent a property that contains many of your valuables. Luckily Allstate offers affordable renters insurance options. And if you rent, you can bundle your auto and renters insurance to save with Allstate’s Multi-Policy Discount.
- Life Insurance: Allstate ensures your family is secure in the event of a loss, offering policies that will cover medical bills, funeral costs, mortgage and rent costs, college tuition costs, and plenty of other living expenses. Allstate’s life insurance policies come in three levels: term life, universal life, and whole life insurance. Bundling auto and life insurance can lead to savings when you work with Allstate.
- Motorcycle Insurance: Your bike can be an important source of escape, so you probably want to make sure you and your motorcycle are covered every time you hit the open road.
- RV Insurance: Your RV might be the site of countless family memories. That’s why Allstate offers a wide range of protection for RVs, including liability insurance, collision insurance, towing and labor costs, and much more.
- Boat Insurance: Keep your boat and crew protected on the water with Allstate’s boat insurance policy, which covers watercraft medical payments, watercraft liability, property coverage, and more.
- Pet Insurance: Costly medical bills can come up for your cat or dog when you least expect it. With Allstate’s pet insurance, you can keep your pet protected in the event of injury or illness.
- Rideshare Insurance: If you use your car to do business with ridesharing services like Uber or Lyft, you’ll probably want to look into rideshare insurance.
- Business insurance: Allstate’s business insurance policy keeps your business protected no matter the industry you’re in. Typically Allstate’s business insurance policy will cover property protection and liability protection.
How Can I Buy Auto Insurance from Allstate?
Customers can buy a policy through Allstate by going to its website, calling an agent, or finding an agent nearby so that they can get started in person.
Many prospective policyholders get started by finding a policy quote online. Remember, this quote isn’t always an accurate reflection of your potential savings.
To make sure you’re getting the most up-to-date quote on your dream policy, use Insurify to quickly and easily compare real quotes.
How Can I Pay for My Allstate Car Insurance Policy?
There are plenty of ways to pay for your Allstate car insurance policy, including:
- Automatic online bill payment
- Mobile app payment
- Phone payment
- Electronic check
- Mail payment
- Direct deposit
- In-person payment
You can sign up for Allstate Service Reminders to be reminded about your payments. That way, you never miss a payment and stay up to date on your bills.
How Often Will Allstate Increase My Premiums?
Increasing premiums are just a fact of life in the car insurance world. Sometimes these increases might be a result of an at-fault accident or a traffic violation. But in some cases, an increase will just happen randomly for no particular reason. Here’s what to know when it comes to premium increases with Allstate.
- Will my rate go up after the first accident? If you aren’t enrolled in Allstate’s accident forgiveness program, you will likely have to pay more after an accident. But Allstate is typically one of the cheaper options when it comes to post-accident coverage.
- Will my rate go up if I was not at fault? In some states, such as California, it’s illegal for your rate to go up after a faultless accident. Still, your rate can go up even after a faultless accident in some cases. According to a recent study by the Consumer Federation of America, drivers covered by Allstate saw their rates increase by roughly 4.8 percent after filing claims for a not-at-fault accident.
- Does Allstate have an accident forgiveness program? Yes, Allstate has a popular accident forgiveness program that keeps your rates from going up after an accident, even if you were at fault—and the program goes into effect the day you sign up.
- Does the company raise rates for staying on the policy? Allstate’s car insurance policy doesn’t offer a loyalty program, so you won’t be earning discounts the longer you stay on its coverage. In fact, you might see your rates increase if you stay on the policy for a few years.
Because insurance premiums are always changing, it’s a good idea to shop for car insurance every six months. You might find that new companies have emerged that offer better rates. Or you might find that another company may offer a discount relevant to you and your driving record.
How Does Allstate’s Claims Process Work?
Filing a claim is never easy. You might be in an emotional state—so you want a claims process that is as easy as possible. Here’s how the claims process works with Allstate:
- Log on to MyBenefits on the Allstate site and start filing your claim. Simply go to MyBenefits and file your claim. Or, if you prefer to file your claim over the phone, call 1 (800) ALLSTATE to use Allstate’s 24/7 claims service. Or you can use the Allstate mobile app to file your claim on the go—and even use the QuickFoto Claim feature, which might be useful if you’ve been in an accident.
- Making a glass claim? Allstate offers an express line for such claims. Simply call 1 (800) 626-4527 or submit a glass claim online to get started.
- Track your claim. Using the app or website, you can keep tabs on your claim while Allstate investigates the situation. Once you’ve been given an estimate, you can review this amount with your agent.
- Begin repairing your vehicle. After receiving your estimate, you can begin repairing your car so that you can get back on the road. Use Allstate‘s Good Hands Repair Network Shop Locator to connect with one of Allstate’s 3,500 pre-qualified collision repair shops across the country.
- Settle your claim. Allstate will either pay the repair shop directly, send you your payment at the time of inspection or issue it after the estimate has been approved.
Allstate works to move the claims process along as quickly as possible. The ability to track your claim makes it easier for you to know how it’s progressing and what sort of timetable you might be dealing with.
The ability to make claims on the website, on the app, or over the phone makes Allstate one of the more versatile options when it comes to filing claims. Many reviewers state that the Allstate claims process was quick and hassle-free—though there are, of course, some reviewers who say the process took longer than they would have liked.
How Can I Cancel My Allstate Car Insurance Policy?
You might find that Allstate isn’t right for you. If that’s the case, you’ll be relieved to know that there’s no cancellation fee for opting out of your Allstate insurance policy.
To start the cancellation process, simply reach out to your agent. Not sure who your agent is? Then log on to the Allstate website and use the “Find An Agent” tool. Enter your ZIP code, and you’ll quickly be put in touch with agents near you who are ready to help. You can also call its helpline at 1 (800) 255-7828.
There are a few documents you’ll need on hand when canceling your coverage. Be sure to have either proof of new insurance, proof of plate forfeiture, or proof of sale. Proof of insurance will likely be mailed to you with your new policy. Proof of plate forfeiture or proof of sale are documents that can be obtained through your local Department of Motor Vehicles.
After canceling your insurance policy, be sure to get a cancellation confirmation number, which can be shown if you’re billed again.
As you cancel your Allstate insurance policy, you want to make sure you never experience a lapse in coverage—which is illegal in most states. So, before canceling, make sure you get another policy and arrange it so that its start date is on the day your current plan expires. To find the right coverage for you, compare quotes from top companies on Insurify. Tailor your search so that you’re getting precisely the policy you need at the correct value.
How Much Does Uber/Lyft Coverage Cost with Allstate?
More and more people are turning to ridesharing companies like Uber and Lyft as a way to make some extra cash. These drivers can stay protected for “just pennies a day” through Allstate’s Ride for Hire add-on. Reach out to an Allstate agent to learn why adding Ride for Hire to your policy might be right for you.
Allstate provides rideshare coverage in every state, except Alabama, Arkansas, Delaware, Florida, Massachusetts, Michigan, Montana, and Rhode Island.
Allstate’s rideshare coverage offers deductible gap coverage. Anyone who drives for Lyft knows that their deductible is $2,500, which can lead to big financial headaches if you get in an accident. Ride for Hire closes the gap between this deductible and the deductible on your personal policy. So if your personal policy’s deductible is $500, you’ll end up paying that deductible even if you get in an accident driving for Lyft.
Allstate isn’t lying when it says its rideshare coverage amounts to “pennies a day.” Because it’s an add-on policy, most drivers end up paying about $10 to $20 a month for their rideshare coverage. This is easily one of the cheapest options on the market.
Insurance Companies Similar to Allstate
Allstate offers a wide range of coverage and popular features like accident forgiveness and Drivewise. But because you’re getting so much from Allstate, you likely won’t be paying the lowest prices.
Allstate is excellent for drivers who drive a lot—and are therefore at a higher risk of accidents. And with discounts like teenSMART, it’s a great option for young drivers. But what if you live in an urban area and only drive occasionally? You might want to opt for a company like USAA or State Farm, both of which provide lower premiums for low-mileage drivers.
Younger drivers who might want a more modern option may prefer a company like Esurance. Esurance is owned by Allstate and provides similar coverage at similar rates, but does away with in-person agents so that all of your transactions can be done digitally.
According to Insurify’s internal database of over 1.9 million car insurance applications and analysis of external sources, drivers who used to hold Allstate car insurance most often switched to the following companies:
- Liberty Mutual
Allstate Customer Satisfaction and Policyholder Reviews
In general, customers have good things to say about their Allstate experience. Most agree that Allstate’s agents are friendly and committed to helping its clients.
Customers also praise Allstate for settling claims quickly and professionally. That said, many customers are frustrated that their rates keep going up:
Still, one of the highlights for customers is Allstate’s accident forgiveness:
Allstate has an A+ from the Better Business Bureau (BBB). Still, many customers aren’t always satisfied with their service from Allstate. This driver was particularly upset with the lengthy claims process:
Like any large nationwide company, service can vary on an agent-by-agent basis. Unfortunately, service isn’t always consistent, with some customers citing great experiences and others lamenting subpar interactions with Allstate representatives.
Allstate Mobile App Review
The Allstate Mobile App helps customers quickly access their policies and IDs, pay their bills, report claims, get roadside assistance, access accident reports, find cheap gas options nearby, and more. You can also use the app to make the most of Drivewise, Allstate’s powerful driver tracking software that ensures you stay safe on the roads.
The app is available on iOS and Android. Its wide range of features makes the app a central aspect of the Allstate experience, particularly for younger, more tech-literate customers. Because you can contact your agent, pay your bills, and even file claims using the QuickFoto Claim feature, just about any auto insurance-related task can be accomplished through the app.
Customer feedback on the app is largely positive, with many users citing DriveWise as a particularly useful feature that has helped them improve their driving.
App store Ratings (Out of 5) User reviews
Mobile App (iOS) 4.8 314,163
Mobile App (Android) 2.3 36,873
Frequently Asked Questions: Allstate Car Insurance
Which agents sell Allstate insurance near me?
Allstate offers coverage in all 50 states, with agents located around the country. Simply go to the Allstate official website and click on “Find An Agent.” If you can’t find an agent close enough to you, simply get an Allstate quote online and compare this quote to the quotes offered by other similar insurance companies. That way you can ensure you’re getting the best policy at the best price.
How do I get in contact with an Allstate agent?
There are plenty of ways to get in touch with an Allstate agent. You can find a local agent’s contact information on the Allstate official website or send a message through the Allstate online contact form. You can even reach out to Allstate through its official Twitter page and get connected with an agent.
How do Allstate’s auto insurance rates compare to other top companies like Progressive and GEICO?
Your car insurance rates will vary based on your state, driving record and other background information. That’s why online quote comparison is so important. Sites like Insurify make it easy to compare real quotes side by side.
Is Allstate the cheapest car insurance in your area?
“Are you in good hands?” That’s the question Allstate has posed to us for decades. And with a wide range of coverage options and a genuine commitment to customer service, Allstate appears to be answering that question with a resounding “yes.”
Still, you want to make sure you’re getting the best value on a policy that meets your specific and evolving needs. That’s why it’s so important to compare quotes across a variety of auto insurance companies.
Enter Insurify. With Insurify, you can compare real, cheap car insurance quotes side-by-side—so that you never have to jump around from site to site, collecting incorrect quotes. Instead, tailor your search for insurance to your specific needs and get accurate information right away.
Allstate Auto Insurance Overview
The Allstate Corporation was founded in 1931. Its headquarters are based in Northbrook, Illinois, though the company has regional corporate offices across the country. Allstate was initially founded as part of Sears, Roebuck, and Co. but spun off in 1993 on its way to becoming one of the biggest car insurance companies in the United States.
Today, Allstate is the largest publicly held insurer for personal property and casualty insurance in the United States, exceeding $100 billion in total assets. Allstate’s agents sell policies in all 50 states, serving approximately 16 million households across the country.
Allstate specializes in auto insurance, home insurance, renters insurance, life insurance and more.
When it comes to customer service, Allstate has earned a customer satisfaction rating of 3 out of 5 stars from J.D. Power and Associates. The Allstate insurance company has also received an A.M. Best Financial Strength Rating of A+, which denotes superior financial stability and an excellent ability to pay out claims.
The Allstate Corporation owns various other companies around the world, one of the most notable ones being Esurance in San Francisco, CA.
Allstate’s CEO is Thomas J. Wilson, who has held that title since 2007.
Allstate Contact Information
Customer service phone number 1 (877) 810-2920
Customer service phone number (hearing impaired) 1 (800) 877-8973
Customer service email Use form on website here
Mailing address for general inquiries P.O. Box 660598 Dallas, TX 75266-0598
Mailing address for auto insurance claims P.O. Box 660636 Dallas, TX 75266
Mailing address for auto insurance claims P.O. Box 660636 Dallas, TX 75266
Mailing address for overnight payments Allstate Payments 2012 Corporate Lane, Suite 108, PO Box 4310 Naperville, Illinois 60563
Website URL allstate.com
Allstate twitter Allstate Twitter