Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
Konstantin HalachevVP of Engineering & Data Science
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.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Allstate car insurance is a leading car insurance provider that offers national coverage. You may even be familiar with the company’s tagline, “You’re in good hands.” In this Allstate insurance review, learn more about the company before buying a policy.
Quick Facts
Allstate has an AM Best rating of A+ (Superior).
The average monthly cost of liability-only insurance with Allstate is $61 per month, and the average cost of a full-coverage policy is $133 per month based on Insurify data.
Allstate offers traditional car insurance and pay-per-mile coverage through Milewise, which may lower costs if you don’t drive very often.
What is Allstate auto insurance?
You may be familiar with the name Allstate, but maybe not with how deep the company’s roots go. In fact, executives of Chicago-based department store Sears, Roebuck and Co. founded the insurance company in 1931. During this time, many Americans were dealing with the financial fallout of the Great Depression.
After offering its first car insurance policy for an annual cost of $41.60, the company grew and had 4,217 auto insurance policies at the end of its first year in business. Its household slogan — “You’re in good hands” — has been around since 1950.
As of 1960, Allstate started offering discounts on auto insurance for good drivers. In 1968, Allstate worked with government officials and people in the auto industry to make seat belt usage a requirement. In 1993, Sears spun off Allstate as an independent operation.
In 2010, Allstate brought innovation to the industry by launching its Drivewise program and using telematics devices to track driver behavior and mileage. Four years later, the company launched the first-ever insurance telematics mobile app.[1]
Most recently, Allstate joined other major insurers in refunding some auto premiums to its customers during the first year of the COVID-19 pandemic. Aside from auto insurance, Allstate is a comprehensive insurance provider and also offers home insurance, renters insurance, term life insurance, and more. So if you need multiple insurance products and would like to benefit from a bundling discount, Allstate may be a good option.
“One of the benefits of Allstate is that it is a major insurance company with coverage in many states. This means that you can relocate and easily keep a policy through Allstate,” explains Jesse Cunningham, an independent licensed insurance agent and agency owner at Bauple.com.
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.
$61/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.
$133/mo
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.
Pros
Well-established with superior ratings from AM Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
The representative was very nice, but the automotive insurance is too high.
John - November 25, 2024
Verified
Good
I've never had a problem.
Lisa D - November 25, 2024
Verified
Need Lower Insurance
It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.
…
How does Allstate auto insurance work?
Allstate offers many different types of insurance, including car insurance. If you purchase a policy with the company, you’ll pay a premium to maintain your coverage.
Factors that will influence that premium include your previous driving history, where you live and any safety/crime risks, the type of vehicle you drive, your gender, and potentially your credit score.[2] If you’re involved in an accident and you need to file a comprehensive or collision claim, you’ll pay a deductible before your benefits can kick in.
Compare Car Insurance Quotes Instantly
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Allstate auto insurance coverage
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 coverage
This coverage 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 unfortunately, it doesn’t cover any property or vehicle damage, or injuries for yourself.
Collision coverage
If you’re in a collision with another vehicle or an object such as a street light or pole, collision coverage can pay for the costs related to your damage. Collision also covers rollover accidents and pothole damage.
Comprehensive coverage
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 coverage has you covered. This ensures you’re protected in a variety of non-collision scenarios.
Uninsured/underinsured motorist coverage
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 (MedPay)
This coverage is for you and any passengers in your vehicle if you’re injured in an accident, and it helps with medical payments.
Personal injury protection (PIP)
Similarly, personal injury protection can offer additional coverage if you’re hurt from a qualified accident. This may cover part of your income or childcare expenses and more.
Additionally, Allstate offers some different 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: This option provides higher limits of coverage than what’s traditionally offered with liability coverage. So if you want more protection, this can cover you with higher limits.
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: Guaranteed asset protection coverage 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.
How to get a car insurance quote from Allstate
It’s possible to get a quote through the Allstate website or one of the company’s exclusive or independent insurance agents. But there’s another easy option that helps you compare Allstate with other insurance providers. You can use an online quote-comparison tool like Insurify. Simply input your ZIP code and provide information about your vehicle, miles driven, and personal information to get quotes from various providers, including Allstate.
That way, you can see prospective quotes from Allstate car insurance alongside other reputable insurers to make sure you get the best rate.
Allstate car insurance cost by state
Most states have minimum car insurance requirements for drivers. The type of coverage that’s required and where you live can affect your car insurance rates. Below are some example states and the average monthly rate for Allstate full-coverage and liability-only insurance in each state.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate auto insurance rates by driving history
Your driving history is a primary factor that affects your car insurance rates. A history of speeding tickets or at-fault accidents can raise your premiums.
These violations or infractions can look like an added risk to your insurer, so your rates will go up. The table below shows how differences in driving history affect Allstate coverage rates for both full-coverage and liability-only policies. For example, drivers with a DUI pay about 66% more per month for full-coverage insurance than motorists with a clean driving record.
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate car insurance cost by age
Age is also a risk factor that car insurance companies consider when setting rates. Certain age groups, such as teen drivers, tend to be at greater risk, which can mean higher premiums.[3] The table below illustrates how age can drastically affect car insurance rates. For example, an 18-year-old driver insured by Allstate will pay about 101% more for car insurance than a driver in their 70s.
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Allstate car insurance discounts
Another way to save on car insurance is by qualifying for certain discounts. The good news is that Allstate offers various discounts, which can help reduce the overall cost of the policy. Allstate discounts include:[4]
New-car discount: If you purchase a brand-new car within the current calendar year or the previous year, you may qualify for this discount.
Multiple-policy discount: If you bundle your insurance and have more than one insurance policy with Allstate, you’re eligible for a multi-policy discount.
Early signing discount: If you’re able to sign your insurance policy paperwork seven days before the effective date, you can qualify for this discount.
FullPay discount: If you’re financially able to pay for your policy up front and in full, you can qualify for this discount.
Smart student discount: If you meet certain requirements, such as keeping a 2.7 GPA or higher, or partake in the teenSMART driver program, you may be eligible for this discount. To qualify, students must be under the age of 25 and not married.
Anti-lock brake discount: Safety can help you score savings. If you have antilock brakes on your vehicle, you may be eligible for this discount.
Anti-theft device discount: Having an anti-theft device in your vehicle can help add extra precautions and can lead to savings with this discount.
EZ pay plan discount: If you set up automatic payments for your car insurance premiums, you can qualify for this discount.
Allstate eSmart discount: If you save on paper, you can save money. Sign up for paperless and get an e-policy instead to score this discount.
Responsible payer discount: If you make payments on time and haven’t had a cancellation notice for nonpayment in the past year, you can qualify for this discount.
Safe-driving club: If you meet certain requirements that are considered part of safe driving, you may qualify for this discount.
Allstate Insurance bundling options
Bundling your insurance policies — having several policies with one insurance provider — is one way to lower the cost of car insurance.
Allstate’s bundling packages include:
Home insurance and auto insurance
Renters insurance and auto insurance
Renters insurance and motorcycle insurance
You may be able to get a discount of up to 25%, though that can vary, when you bundle a home and auto policy, according to the company website.
Allstate customer reviews and ratings
Read reviews from verified Allstate customers.
Debora - November 25, 2024
Verified
Very Expensive for Automobiles
The representative was very nice, but the automotive insurance is too high.
John - November 25, 2024
Verified
Good
I've never had a problem.
Lisa D - November 25, 2024
Verified
Need Lower Insurance
It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.
Ethel Jean - November 25, 2024
Verified
Great Customer Service
Wonderful service.
…
Allstate has an A+ (Superior) rating with AM Best. The company has 3.8 out of 5 stars for auto insurance on ConsumerAffairs.
Allstate ratings
Here’s how some rating sites rank Allstate:
ConsumerAffairs: 3.8 out of 5 stars
Trustpilot: 1.3 out of 5 stars
Sitejabber: 1.42 out of 5 stars
Allstate vs. other insurance providers
Consumers have a multitude of options to consider when shopping for car insurance. This can be good news, but it also means the market is highly saturated with a lot to wade through. Below, we compare Allstate to other car insurance providers.
Allstate vs. Farmers
Farmers is another auto insurer providing a range of insurance products. Farmers offers some unique additional coverage options compared to Allstate, including customized equipment coverage, spare parts coverage, original equipment manufacturer coverage, and more.
Farmers may have higher rates than Allstate, with an average cost of $241 per month for full coverage and $110 for liability only, based on Insurify data. Allstate has an average of $133 per month for full coverage and $61 per month for liability-only coverage.
Allstate vs. GEICO
GEICO has similar coverage options to Allstate. One optional coverage that’s unique is mechanical breakdown insurance, which can lower the cost of potential repairs. GEICO's national average for full coverage is $119 per month. Its monthly liability average is $54.
Allstate vs. State Farm
State Farm offers insurance products and other financial services. Similar to Allstate, State Farm has bundling options. The company offers most of the same coverage options as Allstate, and both insurers offer rideshare insurance. One difference is that you may be able to get lower rates through State Farm. The company's average monthly cost for liability insurance is $54 per month and for full coverage the average cost is $119 per month (compared to $61 and $133, respectively, for Allstate).
More about Allstate Insurance
Allstate has a long history and has received some awards and recognition over the years. As of 2020, Allstate was named one of Fortune’s World’s Most Admired Companies. In the same year, it was also on Forbes’ list of America’s Best Employers for Diversity.
Allstate pros and cons
It’s important to consider some of Allstate’s pros and cons before settling on a policy.
Pros
A+ (Superior) financial strength rating from AM Best
Offers traditional car insurance coverage and pay-per-mile coverage
Many discounts available to lower the cost of coverage
Cons
Low customer satisfaction
Average rates compared to other providers
Some policyholders have complained about poor customer service
Filing an auto insurance claim with Allstate
If you get into an accident or have a qualified incident occur, you’ll need to file a claim with Allstate to access your benefits. You’ll need an Allstate account, and you can file a claim with Allstate online or through its mobile app. You can also call and speak to an agent if you prefer filing a claim over the phone.
Allstate Insurance FAQs
Before buying insurance from Allstate, compare your options and get your most common questions answered.
Is Allstate legitimate?
Allstate is a legitimate car insurance provider that’s been around since 1931. It's the fourth-largest U.S. auto insurance by market share, according to the National Association of Insurance Commissioners. The company offers many different insurance products, including auto, home, and life insurance. Though it has mixed consumer reviews, Allstate is a well-known provider in the insurance space, and is available in all 50 states and Washington, D.C.
Is Allstate car insurance worth it?
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.
What is the average cost of Allstate car insurance?
The current national average cost for Allstate is $61 per month for liability insurance and $133 per month for full coverage, based on Insurify data. Compared to other insurance providers, that’s a reasonable rate, with some companies charging more and others less.
Is Allstate good at paying claims?
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 regarding getting claims paid can vary.
What is Allstate’s overall customer satisfaction?
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.
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
Konstantin HalachevVP of Engineering & Data Science
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.