Car Insurance
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Allstate vs CSAA Car Insurance
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Last Updated: January 2022
Ratings
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Allstate
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CSAA
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Allstate VS CSAA
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U.S Auto Insurance Shopping Study (2018) ℹ
| Options | Allstate  | CSAA |
|---|---|---|
| Call Center Representative | About average | Among the best |
| Insurer Website | The rest | The rest |
| Local Agent | About average | Better than most |
| Overall Satisfaction | The rest | Better than most |
| Policy Offerings | The rest | About average |
| Pricing | The rest | Better than most |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | Allstate | CSAA |
|---|---|---|
| Claim Servicing | About average | The rest |
| Estimation Process | Better than most | About average |
| First Notice of Loss (FNOL) | About average | The rest |
| Overall Satisfaction | About average | About average |
| Rental Experience | About average | The rest |
| Repair Process | Better than most | Better than most |
| Settlement | About average | About average |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | Allstate | CSAA |
|---|---|---|
| California | 820 pt About average | 814 pt About average |
| Central | 822 pt About average | -- |
| Florida | 837 pt Better than most | -- |
| Mid-Atlantic | 837 pt About average | 816 pt The rest |
| New England | 834 pt Better than most | -- |
| New York | 824 pt About average | -- |
| North Central | 823 pt About average | -- |
| Northwest | 798 pt The rest | -- |
| Southeast | 830 pt About average | -- |
| Southwest | 815 pt About average | 839 pt Among the best |
| Texas | 835 pt Better than most | -- |
Auto Insurance Quotes
For Married Drivers
| City | Allstate | CSAA |
|---|---|---|
| Austin | $37 | -- |
| Chicago | $111 | -- |
| Philadelphia | $133 | -- |
| Phoenix | $105 | $54 |
| Santa Monica | $116 | $54 |
For Single Drivers
| City | Allstate | CSAA |
|---|---|---|
| Austin | $42 | -- |
| Chicago | $128 | -- |
| Philadelphia | $136 | -- |
| Phoenix | $129 | $58 |
| Santa Monica | $255 | $125 |
For Male Drivers
| City | Allstate | CSAA |
|---|---|---|
| Austin | $39 | -- |
| Chicago | $124 | -- |
| Philadelphia | $129 | -- |
| Phoenix | $129 | $55 |
| Santa Monica | $252 | $126 |
For Female Drivers
| City | Allstate | CSAA |
|---|---|---|
| Austin | $39 | -- |
| Chicago | $116 | -- |
| Philadelphia | $139 | -- |
| Phoenix | $105 | $58 |
| Santa Monica | $120 | $54 |
For Drivers with Speeding Ticket
| City | Allstate | CSAA |
|---|---|---|
| Austin | $44 | -- |
| Chicago | $175 | -- |
| Philadelphia | $144 | -- |
| Phoenix | $163 | $62 |
| Santa Monica | $341 | $174 |
For Drivers with No Speeding Ticket
| City | Allstate | CSAA |
|---|---|---|
| Austin | $38 | -- |
| Chicago | $108 | -- |
| Philadelphia | $133 | -- |
| Phoenix | $107 | $55 |
| Santa Monica | $153 | $72 |
For Drivers Age Between 18-40
| City | Allstate | CSAA |
|---|---|---|
| Austin | $41 | -- |
| Chicago | $130 | -- |
| Philadelphia | $130 | -- |
| Phoenix | $134 | $54 |
| Santa Monica | $290 | $139 |
For Drivers Age Between 40-65
| City | Allstate | CSAA |
|---|---|---|
| Austin | $37 | -- |
| Chicago | $102 | -- |
| Philadelphia | $121 | -- |
| Phoenix | $94 | $48 |
| Santa Monica | $104 | $51 |
For Drivers Age of 65+
| City | Allstate | CSAA |
|---|---|---|
| Austin | $41 | -- |
| Chicago | $146 | -- |
| Philadelphia | $193 | -- |
| Phoenix | $141 | $97 |
| Santa Monica | $101 | $52 |
For Drivers with Average Credit
| City | Allstate | CSAA |
|---|---|---|
| Austin | $41 | -- |
| Chicago | $122 | -- |
| Philadelphia | $149 | -- |
| Phoenix | $114 | $70 |
| Santa Monica | $153 | $68 |
For Drivers with Fair Credit
| City | Allstate | CSAA |
|---|---|---|
| Austin | $38 | -- |
| Chicago | $125 | -- |
| Philadelphia | $154 | -- |
| Phoenix | $117 | $74 |
| Santa Monica | $133 | $65 |
Quotes & Discounts
| Discount type | Allstate | CSAA |
|---|---|---|
| teenSMART | Up to 35% | -- |
| Accident Forgiveness | Up to 30% | -- |
| Defensive Driver | Up to 20% | -- |
| New Car | Up to 15% | -- |
| Anti-Theft Device | Up to 10% | -- |
| Anti-lock Brake | Up to 10% | -- |
| E-billing | Up to 10% | -- |
| EV/Hybrid | Up to 10% | -- |
| Early Quote | Up to 10% | -- |
| Farm Vehicle | Up to 10% | -- |
| Good Driver | Up to 10% | Up to 20% |
| Good Student | Up to 10% | Up to 14.3% |
| Low Mileage | Up to 10% | Up to 19.1% |
| Multiple Policy | Up to 10% | Up to 20% |
| Multiple Vehicle | Up to 10% | Up to 27.3% |
| Paid in full | Up to 10% | -- |
| Passive Restraint | Up to 10% | -- |
| Prepay | Up to 10% | -- |
| Preferred payment | Up to 5% | -- |
| Senior Adult | Up to 5% | -- |
| Student Away at School | Up to 5% | Up to 46.7% |
| Deductible | Varies | -- |
| Discount Finder | Varies | -- |
| Driving training | Varies | Up to 4.7% |
| Family | Varies | -- |
| Paperless documents | Varies | -- |
| Utility Vehicle | Varies | -- |
| Alumni | -- | Up to 7.4% |
| Home Owner | -- | Up to 15.7% |
| Loyalty | -- | Up to 5.6% |
| Organization | -- | Up to 5% |
| Professional organization | -- | Up to 7.4% |
Optional Coverages
| Optional Coverages | Allstate | CSAA |
|---|---|---|
| Accident Forgiveness ℹ |  | -- |
| Accidental Death, Dismemberment, Disability ℹ | | |
| Antique or Collector Car Insurance ℹ | | |
| Emergency Lockout Coverage ℹ | | -- |
| First Aid Reimbursement ℹ | -- | |
| Loss of Use Coverage ℹ | | -- |
| Mechanical Breakdown Insurance ℹ | | -- |
| New Car Replacement Coverage ℹ | | -- |
| No Fault Coverage ℹ | | -- |
| Preferred Repair Services ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Ridesharing Coverage ℹ | | -- |
| Roadside Assistance ℹ | | |
| Sound System Coverage ℹ | | -- |
| Umbrella Policy ℹ | | |
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20 %
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16 %
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
