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The Guides Auto team rates Allstate 8.3 out of 10.0 based on its reputation, availability, cost, coverage and customer experience.
As one of the most recognizable insurance companies on the market, Allstate offers coverage for a wide range of drivers and homeowners. But what do Allstate insurance reviews have to say about the company?
In this article, we at the Guides Auto team will analyze the company by looking at Allstate’s customer reviews, coverage options, average rates and more. You have many choices for coverage, so the more you can compare providers, the better chance you have of finding the best car insurance and best homeowners insurance for you.
We rate Allstate 8.3 out of 10.0 overall for its strong industry reputation and variety of insurance products. The company’s overall rating was aggregated from its performance across five main areas, including reputation, availability, coverage, cost and customer experience.
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Better Business Bureau (BBB) rating: A+
AM Best financial strength rating: A+
According to the National Association of Insurance Commissioners (NAIC), Allstate was the fourth-largest car insurance provider in 2022 and wrote over $29.6 billion in auto insurance premiums that year.
Allstate is a good insurance company if you’re looking for flexible coverage options and discount programs. The company currently offers 12 different types of car insurance coverage in addition to discount opportunities and telematics insurance programs. Allstate car insurance is available nationwide, but discounts and extras can vary by state.
Here are some characteristics of Allstate that set the company apart:
Below are detailed pros and cons for Allstate auto insurance coverage:
Allstate has average customer reviews from consumer studies and customers. Positive Allstate insurance reviews mention helpful customer service from Allstate agents, while negative reviews discuss issues with the canceling policies and dealing with the claims process.
Our team reached out to Allstate for comment on its reviews but did not receive a response.
Our August 2022 car insurance satisfaction survey polled 6,923 policyholders across the nation. Of those who participated, nearly 9% reported having an Allstate car insurance policy. Here’s how Allstate customer satisfaction compares with the overall average from our survey:
Many drivers like to share experiences with one another on the discussion website Reddit. Though it’s not a review site, users will seek advice or provide recommendations on the site. We looked for Allstate reviews on Reddit to see what people thought of the company in a more conversational setting.
Positive Allstate reviews on Reddit tend to cite attentive customer service. Reddit users who posted negative reviews about Allstate spoke of a confusing lack of communication and higher-than-expected rates.
Our reviews team reached out to Allstate for a comment on these negative reviews but did not receive a response.
In our survey, we found that 39% of Allstate policyholders have filed a claim, while 61% have not. Our survey also discovered that survey participants who filed a claim were happy with Allstate’s customer service, rating it 4.1 stars out of 5.0. Respondents also rated the company 4.1 stars for satisfaction with the claim or outcome.
Allstate is highly rated within the industry, but customer reviews on the BBB website are low.
Allstate’s mobile app lets you access your policies, pay bills, file claims and contact roadside assistance. The iOS version of the app has a 4.8-star rating out of 5.0 on the Apple App Store. The Android version has a slightly lower rating, with customers on Google Play giving the app a 3.9-star rating out of 5.0.
Allstate insurance reviews collected in the J.D. Power 2022 U.S. Insurance Shopping Study℠ rank the company slightly below average for its shopping experience compared to other large companies. The insurer scored 854 out of 1,000 points, which means that most Allstate customers are satisfied with their experiences.
Allstate holds an A+ rating from the BBB and a 1.1-star rating out of 5.0 from customer reviews. While this number may seem low, just under 3,000 reviewers have rated Allstate on the BBB within the last three years, a small percentage of its overall customer base.
As a nationwide insurance provider, Allstate offers plenty of coverage options. Drivers can get all the standard types of insurance, plus a variety of add-ons and benefits.
Standard car insurance policy options from Allstate include: Beyond these standard coverages, Allstate offers the following additional coverage options:
Here’s the general step-by-step process to filing a claim with Allstate:
In our Allstate insurance review, we found a number of benefits and extras that drivers may appreciate. For example, Allstate automatically includes the Claim Satisfaction Guarantee and the Allstate Rewards® program on all policies.
Under the Claim Satisfaction Guarantee, Allstate will give you a credit worth up to your six-month premium if you’re unsatisfied with how a claim is handled. This guarantee applies to drivers in most states.
With the Allstate Rewards program, you can earn points for practicing safe driving habits and redeem them for shopping rewards and gift cards.
Allstate offers several types of add-on coverage:
Allstate offers two usage-based programs: Drivewise® and Milewise®.
Drivewise tracks driving habits through a mobile app and rewards drivers with discounts based on speed, braking and driving hours. The program also tracks your phone activity while you’re driving, but it doesn’t factor this into your discount.
Drivewise is available in all states. The information collected by the app is used to determine the discount amount you’re eligible for. If you practice unsafe habits, you won’t get a discount, but your rates won’t go up, either. In Allstate insurance reviews, a number of customers mention that this is a nice perk, as some competitors’ habit-tracking programs can raise drivers’ rates.
Allstate’s other usage-based option, Milewise, is a pay-per-mile program available in 21 states. With the program, you pay a daily base rate and an additional rate per mile driven. To use it, you plug the Milewise device into your car’s diagnostic port and use the Allstate mobile app to track your mileage and spending.
The states where Milewise is available are:
Allstate’s prices tend to be higher than average. According to our rate estimates, the average cost of full coverage Allstate insurance is about $2,088 per year or $174 per month for a 35-year-old married driver with good credit and a clean driving history. The national average across all companies is $1,730 for this demographic.
Your car insurance prices depend on various factors, and the Allstate insurance quotes you receive may not reflect the average estimates above. If you have poor credit, you’ll pay more for car insurance unless you live in California, Hawaii, Massachusetts or Michigan. And if you have accidents or a DUI on your driving record, your insurance rates will be more expensive.
Age is one of the factors that will heavily impact your car insurance costs. If you are a new or young driver, you can expect to pay more coverage. Our research shows Allstate tends to charge significantly more for a full coverage insurance premium than the national average.
The table below shows average monthly and annual cost estimates for an Allstate policy broken down by age.
Car insurance costs can vary greatly depending on your driving record, age, location and more. Here are a few Allstate cost estimates that apply to different types of drivers, including those with poor credit and driving records.
Allstate is one of the more expensive national providers that offers car insurance coverage. The company car insurance estimates are typically 21% higher than the national average of $1,730.
Here’s how Allstate compares to other national providers. The table below displays how Allstate compares to other regional and national providers for average monthly and annual car insurance costs. The rate estimates are for a 35-year-old married driver with a good credit score and clean driving history.
Allstate’s car insurance rates tend to be higher on average than other national providers. Car insurance estimates from Allstate and other providers are influenced by several factors, some of which are in your control. Understanding the factors that influence your car insurance rate can help ensure you get the best deal possible.These are the factors that impact car insurance rates significantly:
Allstate has the following discounts:
The Drivewise® program is operated through Allstate’s mobile app.
Similar to car insurance, Allstate home insurance tends to be more expensive than most competitors’ coverage. Our research also found that home insurance premiums can be higher than the national average of $1,249 per year, according to the NAIC.
We reached out to Allstate for several home insurance estimates to give you an idea of how much you can expect to pay for coverage with the company. These estimates are based on single-family homes.
Allstate offers several home insurance discounts to help reduce your premium. These include:
Home insurance costs are based on several factors, including your location, property details and coverage needs. Here are a few things to keep in mind as you’re shopping for home insurance coverage:
Homeowners insurance helps protect you financially after a covered event damages or destroys your home. Allstate offers four standard home insurance options:
Allstate offers additional home insurance coverage and policies. These include:
Whether you are just starting your family or getting ready to retire, having a life insurance policy can provide your family with peace of mind if you are no longer there to provide for them. Allstate offers four types of life insurance policies — term life insurance, universal life insurance, whole life insurance and variable life insurance.
Here’s a closer look at the different life insurance policies offered by Allstate:
Our review team gives Allstate a score of 8.3 out of 10.0 based on its coverage options and strong industry reputation. The scoring system is the same one that is used to assess all car insurance providers.
Finding the best car insurance company is all about comparing options when you shop. Ideally, you should compare at least three companies.
We rate Geico 9.1 out of 10.0 and recognize it as one of the best choices for the average driver. Geico is known for providing affordable coverage for many situations, and policyholders can take advantage of numerous discounts. Geico offers a variety of non-standard coverage options, including mechanical breakdown insurance, which is similar to an extended warranty.
Keep reading: Geico insurance review
Compare providers: Allstate vs. Geico
If you qualify for USAA coverage, you can get the best of both worlds: cheap car insurance and good service. USAA is available to military members and veterans, along with their immediate family members. USAA insurance reviews from customers consistently give the company high marks. The insurer has also scored well in J.D. Power customer satisfaction studies. It often tends to be the cheapest car insurance provider for those who qualify.
Keep reading: USAA insurance review
Compare providers: USAA vs. Geico
Below are frequently asked questions about Allstate Insurance reviews.
Yes, Allstate is a reliable car insurance provider. According to the NAIC, it’s the fourth-largest car insurance company in the U.S. Allstate offers a range of coverage options for drivers and has strong financial and industry ratings.
According to the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠, Allstate ranked well above average for its claims experience, with a score of 889 out of a possible 1,000 points. However, its Superior financial strength rating from AM Best highlights the company’s ability to pay out claims. Plus, under its Claim Satisfaction Guarantee, Allstate will credit a portion to your account if you are unsatisfied with a claim the company paid.
Our research shows that Allstate car insurance rates are some of the most expensive among leading national providers. The average cost of full coverage Allstate insurance is about $2,088 per year for a 35-year-old married driver with good credit and a clean driving history, which is about 21% higher than the national average.
Drivers who qualify for discounts with Allstate may find affordable rates. You can also sign up for the Drivewise program through the Allstate mobile app to save more money. Plus, if you have more than one Allstate policy, you can get a discount for bundling.
State Farm and Allstate both performed well in our industry-wide review. Based on our rate estimates, State Farm tends to be cheaper for students and teens. It’s also the most popular provider by market share.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
*Data accurate at time of publication.
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