Allstate is a reputable insurer offering a multitude of discounts for drivers, but it may not be the best auto insurance company for everyone. Whether you’re unhappy with your premium or feel that you were not “in good hands” after your last claim, there are many alternative insurance companies you can choose from. 

Luckily, there’s a way to compare smaller insurance providers and large national companies alike without the hassle of getting individual quotes. With Insurify, you can view up to 20 customized insurance quotes in one place. You’ll just need to answer a few questions about your vehicle and driving history to get started. If you’re looking for an insurance company that is cheaper than Allstate, this is the best way to check. 

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The Pros and Cons of Allstate Car Insurance (And Why You Might Want to Switch Insurers)

The Allstate Corporation (NYSE: ALL) is headquartered in Northbrook, Illinois, and issues policies in all 50 states. Allstate Insurance Company has great financial strength ratings, offers a variety of coverages, and provides plenty of discounts to help you save on your policy. However, customer service reviews about the company are mixed. 

Pros Cons
  • A+ (Superior) financial strength rating with A.M. Best
  • Above-average ranking in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study
  • Rideshare insurance available
  • Gap coverage available
  • High app ratings for iPhone users
  • Offers a huge range of discounts, including safe driving and low mileage discounts
  • Also offers homeowners, renters, and life insurance with bundling discounts
  • Complaint index with the NAIC is slightly above average at 1.03, though this is trending downward
  • No anonymous online quotes
  • Customer reviews on sites like Trustpilot and Insurify are mixed
  • Works with both captive and independent agents

When comparing Allstate vs. the competition, it’s important to get customized quotes. Even if you’ve had a good experience with Allstate, you could get a cheaper premium by changing providers. Every insurance company will weigh individual information like your age, driving record, and credit score a little differently, so you may be able to get a better price at another insurer.

In fact, Insurify users save up to $996 annually just by switching. You can use Insurify to check your insurance rates and estimate your savings. 

Best Allstate Car Insurance Alternatives and Competitors: Find Car Insurance Cheaper Than Allstate

All three of the Allstate alternatives we chose are reputable companies with great financial strength ratings and plenty of online tools, just like Allstate.

Clearcover stands out the most because of its excellent customer reviews, which are factored into its Insurify Composite Score, and because policyholders pay a low average premium of just $127 per month, according to Insurify’s proprietary database of millions of driver quotes. Clearcover doesn’t offer discounts like Allstate, but the overall cost may still be less. 

 

1. Nationwide

Best Car Insurance Company for Safe Drivers

With Nationwide, safe drivers can enroll in the SmartRide program to instantly save 10 percent and up to 40 percent as the program measures your driving behavior. There’s also a mileage-based program available, and Nationwide provides several other discounts as well. 

The company has an A+ (Superior) financial strength rating from A.M. Best and is ranked above-average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study. The company also has fewer complaints with the NAIC than expected given its size, but customer service reviews on third-party websites are mixed. You can get a quote online, and the average monthly premium for Nationwide policyholders is $227. 

2. Safeco 

Best Car Insurance Company for Bundling Multiple Policies

At Safeco, you can get a discount for bundling your auto policy with your home, renters, condo, boat, RV, or motorcycle policy. The company also offers claims-free cash back, diminishing deductible, and accident forgiveness on its auto policies. 

Safeco has an A (Excellent) financial strength rating from A.M. Best, but customer satisfaction indicators are subpar. The company was ranked below-average in J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study and has a higher-than-average number of complaints with the NAIC given its size. Customer reviews on third-party websites are also mixed. Still, premiums are more affordable than at Allstate, with policyholders paying an average of $200 per month.  

3. Clearcover

Best Car Insurance Company for Online Accessibility

Unlike Allstate, Clearcover only provides coverage options in 15 states. The company specializes in providing an entirely online quote and application process. You can even request roadside assistance and file a claim directly from the app. You’re likely to save with Clearcover as well; policyholders pay an average of just $127 per month for coverage. However, keep in mind that Clearcover doesn’t offer additional discounts like some of Allstate’s competitors

Clearcover’s policies are underwritten by two companies owned by Fortegra, which has an A- (Excellent) financial strength rating from A.M. Best. Clearcover isn’t ranked by J.D. Power, but the company didn’t have a single complaint with the NAIC in 2020. What’s more, customer reviews on third-party websites are mostly positive. 

How to Cancel Your Allstate Insurance Plan

If Allstate’s pricing is too high or you’d like to switch for other reasons, the good news is that you can cancel at any time without paying a fee. Here’s how to cancel Allstate insurance:

  1. Log in at Allstate.com to view your coverage and renewal date.
  2. Compare car insurance quotes using Insurify.
  3. If you’re happy with the service at Allstate, call your agent to ask for a more competitive rate.
  4. If that doesn’t work or you’re switching for another reason, go ahead and sign up for a new car insurance policy.
  5. Call your local agent to cancel your policy.
  6. Follow up to make sure you receive your refund.

Conclusion: Tips to Save on Your New Car Insurance Policy with Insurify

Using Insurify will help you get a lower rate, but the savings don’t end there. Once you’ve signed up for a new policy, the following tips could help you lower your rate even further:

  • Ask about discounts. You may be able to get an additional discount on your policy if you take a defensive driving course or sign up for a safe driving program. While some discounts will come baked into your quote, you’ll need to ask about others. 
  • Raise your deductible. Your deductible represents your share of the financial responsibility during an accident. If you raise your deductible, your premium for comprehensive and collision coverage will decrease. Just make sure you have enough squirreled away in an emergency fund to cover your deductible in the event of an accident. 
  • Maintain a clean driving record. Drive safely to avoid speeding tickets and other infractions. Not only will this keep your rates from rising, but some insurance companies offer discounts for remaining accident-free or being a good driver. 
  • Pay your policy online and in full. Most insurance companies offer payment discounts. Just make sure the insurer has a flexible cancellation policy before you pay in full. 
  • Drive less. Updating your mileage with your insurance company can help you get a lower rate. 

If you want to test out how raising your deductible or driving less would impact your rates, you can use Insurify to compare customized quotes. And if you’ve just signed up for a new policy, you should return to Insurify again every six months or anytime your circumstances change.

For example, if you move or become a homeowner, you should run an insurance quote comparison with Insurify. You never know how these changes will impact your estimated premium at each insurance company

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Updated June 7, 2021

Lindsay Frankel is a full-time freelance writer specializing in personal finance and insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz. For the past year, she has written about car insurance for Insurify.