Allstate Car Insurance

3.7 636 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Call Center Representative About average
Policy Offerings The rest
Local Agent About average
Insurer Website The rest
Pricing The rest
Overall Satisfaction The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Estimation Process Better than most
Claim Servicing About average
First Notice of Loss (FNOL) About average
Repair Process Better than most
Overall Satisfaction About average
Rental Experience About average
Settlement About average
J.D. Power Ratings by Region (out of 1000)
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
Allstate Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Full Star Full Star Full Star Half Star 4.8
56800
Android
Full Star Full Star Full Star Full Star Half Star 4.3
12515
Financial Ratings
Company Name Ratings
A.M. Best A+
Standard & Poor's AA-
Fitch A+
Moody's Aa3

Discounts

The largest discounts from Allstate are: Accident Forgiveness, Anti-lock Brake Discount, Anti-Theft Device Discount

Discount Type Discount %
Accident Forgiveness up to 30%
Anti-lock Brake Discount up to 30%
Anti-Theft Device Discount up to 25%
Defensive Driver Discount up to 20%
Prepay Discount up to 10%
Passive Restraint Discount up to 10%
New Car Discount up to 10%
Multiple Vehicle Discount up to 10%
Multiple Policy Discount up to 10%
Low Mileage Discount up to 10%
Good Student Discount up to 10%
Good Driver Discount up to 10%
Farm Vehicle Discount up to 10%
Eco-nomy Car Discount up to 10%
E-billing Discount up to 10%
TeenSmart Discount up to 5%
Student Away at School Discount up to 5%
Senior Adult Discount up to 5%
Family Discount Varies
Deductible discount Varies
Driving training discount Varies
Paperless documents discount Varies
Preferred payment discount Varies
Early Quote Discount Varies
Paid in full discount Varies
Utility Vehicle Discount Varies
Good Payer Discount Varies

Payment Methods

  • Complete Tick Automatic Online Payments
  • Complete Tick Debit Card Payments
  • Complete Tick Electronic Check
  • Complete Tick Online Payment
  • Complete Tick Prepayment
  • Complete Tick Mail Payment
  • Complete Tick Phone Payment -IVR
  • Complete Tick Person 2 Person Payment
  • Complete Tick Bank Payment/Direct Deposit
  • Complete Tick Credit Card Payment

Features and Services

  • Roadside assistance Roadside assistance
  • Mobile app Mobile app
  • 24/7 service 24/7 service
  • Accident forgiveness Accident forgiveness
  • Online account management Online account management
  • Loyalty rewards program Loyalty rewards program

Optional Coverage

  • Complete Tick No Fault Coverage
  • Complete Tick Mechanical Breakdown Insurance
  • Complete Tick Loss of Use Coverage
  • Complete Tick New Car Replacement Coverage
  • Complete Tick Rental Reimbursment
  • Complete Tick Road Side Assistance
  • Complete Tick Sound System Coverage
  • Complete Tick Umbrella Policy
  • Complete Tick Antique or Collector Car Insurance
  • Complete Tick Ridesharing Coverage
  • Complete Tick Preferred Repair Services

Allstate provides Uber and Lyft driver insurance in the following states:

Allstate Insurance Products

Learn more about Allstate Life Insurance.

Allstate’s home insurance policies can be customized to suit your needs and come with extra benefits like claim-free rewards. 

A typical Allstate homeowners policy includes coverages such as:

  • Dwelling (home structure): Covers the physical structure of your house, including the walls and roof. 
  • Other structures: Covers structures on your property that are detached from your house like a shed or stand-alone garage. 
  • Liability protection
  • Personal property
  • Guest medical protection: Covers the cost of medical bills if someone is injured on your property.
  • Additional protection: Allstate home insurance policies come with additional coverages such as reimbursed living expenses for hotel stays in the event your home is uninhabitable after a loss. 

Optional home insurance coverages from Allstate include:

  • Water backup: Covers damage caused by backed up drain or broken sump pump 
  • Scheduled personal property: Covers valuable, appraised items like engagement rings, antiques, etc. 
  • Business property: Covers business related items you store in your house, like products. 
  • Identity theft restoration: Covers the cost of legal fees and other costs associated with identity theft. 
  • Sports equipment: Covers expensive sports gear like skis or golf clubs. 
  • Green improvement reimbursement: Covers to repair or replace items with more energy efficient ones. 
  • Yard and garden: Covers things like trees, landscaping, lawn mowers, etc. 
  • Electronic data recovery: Covers the cost of restoring lost computer data, like files and videos. 
  • Musical instruments
  • Flood insurance
  • Personal umbrella: Additional liability coverage that goes beyond your home insurance liability limits. 

Allstate’s life insurance policies will cover medical bills, funeral costs, mortgage or rent, college tuition and many other living expenses should something happen to you. The financial security it grants your family in the event of a loss is priceless.

Allstate offers term life, universal life, and whole life insurance policies and they each include their own coverages. 

  • Term life: Provides benefit amounts of $50,000, $100,000 or $150,000 that would act as an income for your family should you pass away. Term life policies can cover you from 15 to 30 years. 
  • Universal life: Provides coverage throughout your life and builds cash value through interest. Allstate also offers variable universal which allows you to invest your policy’s cash value in the stock market. 
  • Whole life: Provide lifelong coverage and has a cash value that will increase regardless of market conditions. Your premium payments are also guaranteed to stay the same throughout the policy length. 

When it comes to auto insurance, Allstate offers more than just a policy. They offer innovative tools to make managing your policy easier and a ton of extra benefits like accident forgiveness and deductible rewards. 

Allstate offers a variety of car insurance coverages, including:

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured & underinsured motorist 
  • Rental reimbursement 
  • Sound system: Covers to replace or repair damaged or stolen audio and video equipment.
  • Towing and labor
  • Roadside assistance
  • Personal injury protection
  • Personal umbrella
  • Property protection: Covers the cost of at-fault damage to someone else’s property.
  • Classic car insurance 

An Allstate renters insurance policy offers a variety of coverages to protect your personal belongings when your landlord’s insurance cannot. 

Allstate’s renters insurance typically includes the following coverages:

  • Personal property
  • Scheduled personal property: Covers valuable, appraised items like engagement rings, antiques, etc. 
  • Reimbursed living expenses: Covers the costs of hotel stays if your rental is uninhabitable after a loss. 
  • Liability 
  • Guest medical: Covers the cost of medical bills if someone is injured on your property.

You may also want to consider these optional coverages:

  • Identity restoration coverage: Covers the cost of legal fees and other costs associated with identity theft. 
  • Flood insurance
  • Personal umbrella: Additional liability coverage that goes beyond your home insurance liability limits. 

An Allstate condo insurance policy gives you the protection your condo association requires of their members and provides additional coverage for your personal belongings. 

Allstate’s condo insurance policies typically include the following coverages:

  • Personal property
  • Liability 
  • Guest medical 
  • Reimbursed living expenses: Covers the costs of hotel stays if your condo is uninhabitable after a loss. 
  • Building property protection: Covers things that don’t technically belong to you, like cabinets and appliances. 
  • Loss assessment: Covers the cost of your share of assessment towards repairs should a common area or building structure be damaged and the repair costs exceed the condo master policy limit. 

You may also want to consider these optional coverages:

  • Identity restoration coverage: Covers the cost of legal fees and other costs associated with identity theft. 
  • Flood insurance
  • Personal umbrella: Additional liability coverage that goes beyond your home insurance liability limits. 

Allstate provides a variety of coverage types for your hot rod year-round so you can be sure it’s protected whether it’s on the open road or stored in your garage. 

Allstate motorcycle insurance policies include the following coverages:

  • Bodily injury liability 
  • Property damage liability
  • Medical payments
  • Personal injury protection
  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist bodily injury
  • Towing and labor
  • Rental reimbursement: Covers the cost of a rental if your bike is stolen or in the repair shop. 
  • Motorcycle and off-road vehicle transport trailer damage: Pays to repair or replace your motorcycle and trailer after a collision, rollover, earthquake, vandalism, etc. 
  • Lease/loan gap: If you motorcycle is stolen or totaled, this will pay the difference between what your bike was worth and how much you still owe on your loan/lease. Must have collision and comprehensive coverage to add their coverage. 
  • Optional or added equipment: Automatically covers $1,000 for aftermarket upgrades. You can buy up to $30,000 of this coverage. 

Additional Allstate motorcycle insurance benefits include:

  • New motorcycle replacement
  • Rider protection package: Provides death and dismemberment coverage and cash to you and your family.
  • First accident waived 

Allstate offers a variety of business insurance coverages that can be customized to suit your business’ needs. Allstate provides business insurance for businesses in industries like professional firms, health and medical, services, goods, and food and beverage. 

Generally, an Allstate business insurance policy will include coverage for:

  • Property: Provides coverages for numerous risks including accounts receivable protection, valuable papers and records, employee dishonesty, computer fraud, business personal property, money and securities, business income, electronic data, data compromise protection, and spoilage coverage. 
  • Liability: Provides protection for a variety of risks including general liability, employee practices, data compromise, miscellaneous professional, employers non-owned auto, and products and completed operations.

Protect your boat and crew members with a year-round Allstate boat insurance policy. Coverage typically includes:

  • Watercraft medical payments
  • Watercraft liability
  • Property coverage
  • Repair cost
  • Emergency services: covers the cost of towing and labor, fuel delivery, etc. if your boat breaks down. 
  • Uninsured watercraft coverage
  • Agreed value option: If your boat is deemed a total loss, you will be reimbursed for the value of your boat at the beginning of your policy regardless of its current market value. 
  • Personal effect: Covers fishing equipment and other personal belongings if damaged or stolen. 
  • Additional boat equipment: Covers equipment like anchors, life jackets and navigation gear up to the policy limit. 
  • Boat trailer coverage

Your RV is a cross between your car and your home and therefore it needs a special kind of insurance. Allstate offers RV insurance coverage for you, your travel companions, and your motorhome so you can travel the country with complete protection. 

Allstate’s RV insurance policies offer more protection than your auto insurance and therefore typically include coverage for:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Sound system: Covers up to $2,500 for an audio system permanently installed by the manufacturer. 
  • Contents coverage: Cover personal property in your motorhome when it’s damaged by fire, lightning, etc. 
  • Medical payments
  • Personal injury protection (PIP)
  • Uninsured & underinsured motorist
  • Towing and labor costs 
  • Rental reimbursement: Covers the cost of renting a RV or vehicle when your RV is damaged by a loss covered by you collision or comprehensive coverage. 

Your auto insurance policy isn’t always enough to cover damage to your snowmobile and the people riding on it. Allstate offers a fairly priced snowmobile insurance policy with coverages like:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive

Your auto and home insurance might not be enough to supplement an ATV accident, which is why Allstate offers specific coverages for all-terrain vehicles (ATVs), utility vehicle (UTVs), dune buggies, golf carts, go-karts, trail bikes, etc. 

Coverage typically includes: 

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive

Allstate’s pet insurance policy will be there to help cover your cat or dog’s medical bills associated with injury, health problem, or routine check-up. This policy will typically cover:

  • Accidents
  • Treatments for illnesses and diseases
  • Cancer and chemotherapy 
  • Surgery, hospitalization, and nursing care
  • Lab work and diagnostic tests, including X-rays and MRIs
  • Medications
  • Genetic conditions (as long as symptoms aren’t showing at the time of enrollment)
  • Alternative therapies like acupuncture
  • Chronic and recurring conditions, like allergies, diabetes and hyperthyroidism

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Company History

Known for their no-nonsense style TV ads, as well as their "Mayhem" character, Allstate is the largest publically held insurer for personal property and casualty insurance in America with over $100 billion in total assets as of 2014's year end. The Allstate Corporation was founded in 1931 and holds its headquarters in Northbrook Illinois, despite having regional corporate offices across the United States. Allstate currently insures approximately 16 million households, and specializes in auto, home, as well as life insurance services, and holds a JD Power and Associates rating of 3 out of 5 for overall customer satisfaction.

Allstate Reviews

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Most Positive Review
By James
December 11, 2017

All of the hard work you guys have done to try to find me the cheapest rate and always staying in contact with me to make sure everything is going okay I love this they really are kindness towards their future customers

Most Critical Review
By Jerry
December 1, 2017

The last three policy periods Allstate has increased my premiums. I have no accidents, no tickets, no DUI's, no nothing and yet you continue to punishment me by raising my rates. Last period I had to raise my deductible from 500 to 750 just so I could continue to pay my premiums. I am VERY, VERY, VERY UNHAPPY with Allstate. Allstate gets a ZERO rating from me.