Allstate Car Insurance Review: Ratings and Quotes (2023)

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.

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, Sears department store executives founded the 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. By 1993, the company had grown and broken off from Sears to be an independent corporation.

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 telematics app.^[2]

Most recently, Allstate refunded some auto insurance premiums at the height 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, 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. One of the major drawbacks to Allstate is that [it] tend[s] to offer more expensive premiums for the same coverage compared to other major carriers,” explains Jesse Cunningham, an independent licensed insurance agent and agency owner at Bauple.com.

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.^[3] If you’re involved in an accident and you need to file a claim, you’ll pay a deductible before your benefits can kick in.

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 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. This is great for covering collision-related damage but doesn’t cover all types of damage to your vehicle.

Comprehensive coverage

If you want to fill the gap and include other types of damage to your vehicle, such as from a fire, theft, or pesky debris on the highway, comprehensive coverage has you covered. This ensures you’re protected in a variety of scenarios.

Uninsured/underinsured motorist coverage

Getting into an accident with a driver without any or enough 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.

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.

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 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 the most populous states and the average monthly rate for Allstate full-coverage and liability-only insurance.

Based on the rates in the table below, Allstate provides its lowest average monthly cost for liability-only insurance in Massachusetts, at just $46 per month. New York has the highest average monthly rate for liability-only insurance with Allstate, coming in at a steep $591 per month.

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.

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.^[4] 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.

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:^[5]

• 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.

• Antilock 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 Insurance reviews and ratings

Allstate has an A+ (Superior) rating with A.M. Best and an A+ rating from the Better Business Bureau (though the company isn’t accredited on the site). The company has 3.8 out of 5 stars for auto insurance on ConsumerAffairs.

Allstate customer reviews

Here are some Allstate insurance reviews from 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. It may be possible to save up to $413 if you switch, according to its website. 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 $218 per month for liability coverage and $317 per month for full coverage, based on Insurify data. Allstate has an average of $146 per month for liability coverage and $212 per month for full 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.

Allstate vs. State Farm

State Farm offers insurance products and other financial services. You may be able to save up to $597 by switching to its auto insurance coverage, according to its website. 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 average monthly cost for liability insurance is $125 per month and for full coverage the average cost is $175 per month (compared to $146 and $212, respectively).

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.

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. You can also call and speak to an agent if you prefer filing a claim over the phone.

Allstate Insurance FAQs