Allstate Car Insurance Review 2024 Updated By Our Team Tests

Allstate Insurance Review

Allstate, being one of the largest insurers in the country, is widely recognized as a reputable insurance provider. Reviews of Allstate insurance indicate that the company offers reliable claims service and excellent customer service. However, it is essential to determine whether or not Allstate is the right choice for you. This review will thoroughly examine the company to assist you in deciding whether insuring your car with Allstate is a worthwhile option. If you are searching for affordable insurance, it is advisable to compare rates from multiple providers. The most inexpensive insurers can vary depending on the driver and state, so it is advantageous to obtain personalized insurance quotes from top-rated car insurance companies.

Allstate Car Insurance Review 2024

We give Allstate car insurance a score of 4.1 out of 5.0 based on its performance across four areas — cost, coverage, reliability, and customer service. Because of its strong customer service and coverage, we also awarded it “Best Local Agents” in 2024.

In 2024, Allstate Car Insurance continues to be a reliable and trusted choice for many drivers. With its wide range of coverage options and competitive rates, Allstate offers customers the peace of mind they need on the road. The company’s innovative tools, such as the Drivewise program, provide drivers with personalized feedback and rewards for safe driving habits. Additionally, Allstate’s exceptional customer service ensures that policyholders receive prompt assistance in the event of an accident or claim. Overall, Allstate Car Insurance remains a top contender in the insurance industry, offering quality coverage and excellent customer support to drivers across the country.

Allstate Car Insurance Review 2024 Key Informations

Cost 3.3
Coverage 4.5
Reliability 4.8
Claims Service 4.2
Overall Rating 4.1

Is Allstate Insurance Good?

Allstate, a dependable insurance provider, offers an extensive selection of coverage options. Although Allstate’s prices may be slightly higher compared to the most affordable car insurance companies, their rates remain relatively competitive. Allstate has earned a strong reputation for its customer service according to J.D. Power, despite some negative publicity concerning their lowballing settlement offers.

Allstate Pros and Cons

Allstate Insurance has several pros and cons that should be considered when deciding on an insurance provider. One of the biggest advantages of Allstate is its numerous coverage options, including home, auto, and life insurance. The company also offers a variety of discounts for policies bundled together or for safe driving habits. However, some customers have reported higher premiums compared to other insurance providers. Additionally, customer service can sometimes be a challenge and may not always meet expectations. Overall, it is important to carefully weigh the pros and cons of Allstate Insurance before making a decision about your insurance needs.

Pros

  • Wide range of full coverage options
  • Many discounts for good students and safe drivers
  • Offers two usage-based services
  • Consistently ranks highly in J.D. Power studies

Cons

  • Relatively more expensive than competitors
  • Average mobile app ratings

About Allstate Quick Info.

Founded: 1931

States available: All states

AM Best financial strength rating: A+

Insurance types: Auto, home, motorcycle, ATV, renters, life, boat, motorhome, pet, business

Initially established as a division of Sears, Allstate has subsequently emerged as an autonomous entity and currently stands as one of the most prominent insurance companies in the United States. As suggested by its name, Allstate offers policies in every state, including Alaska and Hawaii. Allstate provides insurance options for various types of vehicles, along with homeowners insurance, renters insurance, life insurance, and additional offerings.

Allstate Insurance Rating

When it comes to customer reviews, Allstate excels. The company has a strong ranking in the J.D. Power customer satisfaction index and receives a relatively low number of complaints through the BBB.

Allstate Customer Satisfaction Survey Category Wise Ratings

In order to determine the level of satisfaction among car insurance policyholders, our editorial team conducted a survey involving approximately 7,000 individuals. The results revealed that around 9 percent of the participants reported being insured under Allstate car insurance. The overall rating given by policyholders to Allstate in our survey is as follows:

Survey Category Rating
Overall Satisfaction 4.1
Affordability 3.6
Coverage Selection 3.9
Customer Service From Agents 4
Claims Service 4.1

Allstate Insurance Reviews By Better Business Bureau (BBB)

Allstate has received an A+ rating from the Better Business Bureau (BBB) without having paid for accreditation. Despite this, over 600 customers have given the company a 1-star rating out of 5.0, and in the past year alone, the company has resolved over 1,500 complaints. However, it is important to note that the number of Allstate customer reviews on the BBB represents only a small portion of the company’s overall business, so these reviews should be considered with caution.

Allstate Complaints Index

Regrettably, Allstate has received a complaint index of 2.36 as reported by the National Association of Insurance Commissioners (NAIC). This indicates that the company receives 2.36 times more complaints than the average insurer of its size. The majority of these complaints are related to customer satisfaction with claims.

Allstate Mobile App

You can utilize the Allstate mobile app to handle policy information, make bill payments, and even submit insurance claims. Additionally, it allows you to monitor your driving habits for the Drivewise program. The app has received a rating of 3.6 out of 5.0 stars on Google Play and a rating of 4.8 out of 5.0 stars on the App Store. Compared to other insurers’ mobile apps, the Allstate app’s rating on Google Play is relatively low. However, it is important to note that most insurers have separate apps for monitoring usage-based data and filing claims. The overall score of the Allstate app in the Google Play store is negatively affected by complaints specifically related to Drivewise.

Allstate Customer Reviews With Policyholders

Policyholders who are pleased with their experience have reported a streamlined claims process and dependable service. However, there are a few negative reviews of Allstate insurance that mention a slow claims process. Additionally, Allstate has faced some media attention for making lowball offers on claims, although this seems to be uncommon for the majority of customers.

Positive Allstate Reviews

“[We’ve] been with [Allstate] over 13 years. They have always been extremely helpful. Car wreck: No problems, taken care of so very well. Tree on house: [Our Allstate agent] was right there offering to put up tarps while it was still raining.” – Christina M.

via BBB
“My husband and I have [had] Allstate insurance for over 20 years. We have had a total of three accidents in 20 years and each incident was handled smoothly and within 24 hours. The representatives have always been patient, attentive, and accurate with information provided to settle each case.” – Christy P. via BBB

Negative Allstate Reviews

“At first Allstate promised the car would be fixed to the standard it was prior or better […] here we are July 16 [and] we still don’t have our car back and Allstate will not fix the issues with the truck.” – Chandra O. via BBB

“This process to get a simple claim took about a month and a half when it should have taken two weeks or less.” – David B. via BBB

Allstate Auto Insurance Coverage

With Allstate, you can purchase the six standard types of insurance:

Allstate Car Insurance Coverage Coverage Details
Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers when you’re at fault for an accident. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident in which you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving. This includes damages from another vehicle, a road hazard, or flipping your vehicle.
Comprehensive Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays for the medical bills of you and your passengers after an accident. PIP may also pay for other expenses like lost wages.
Underinsured/Uninsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who either does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Allstate Coverage Options

In addition to the standard auto insurance options, Allstate offers the following coverage add-ons:

Allstate Coverage Coverage Details
Custom Equipment Coverage Covers aftermarket parts, expensive electronics, and custom equipment
Roadside Assistance Provides assistance for flat tires, lockouts, fluid delivery, towing, and winching
Rental Reimbursement Covers the cost of a rental car while your vehicle is in the shop for covered repairs
Ride for Hire® Specialty rideshare insurance for drivers working for a rideshare service such as Uber or Lyft

How Much Does Allstate Car Insurance Cost?

Upon conducting a thorough analysis of Allstate, it has been discovered that the company generally offers higher prices compared to the average. Our calculations indicate that for a 35-year-old married driver with good credit and a clean driving record, opting for a full coverage policy with Allstate would amount to approximately $174 per month or $2,088 per year. This is in contrast to the national average of $1,730 per year.

Allstate Car Insurance Prices

Every car insurance company utilizes a variety of elements to calculate the ultimate cost of your car insurance. The sole method to ascertain the exact amount you will be charged for car insurance from Allstate is to explore coverage options from different providers.

Allstate High-Risk Auto Insurance Rates

Our observation indicates that Allstate is generally pricier compared to other insurance providers for high-risk drivers, who are individuals with a recent history of DUI, speeding ticket, or accident.

Traffic Violation Allstate’s Estimated National Average Per Year
Speeding Ticket (16 to 20 mph over limit) $2,746
DUI Conviction $3,582
Accident (single vehicle $2,500) $3,598
Accident (single vehicle $2,500 + 16 to 20 mph over limit) $4,173
Two Accidents $4,724

Allstate Auto Insurance Rates By Age

As with most providers, young drivers can expect to pay significantly more for car insurance coverage than an experienced driver with Allstate.

Age Allstate Average Annual Cost Estimate
16 $8,350
17 $6,804
18 $5,925
21 $3,302
25 $2,832
30 $2,187
40 $2,143
50 $2,054
55 $2,002
65 $2,090
75 $2,328

Allstate Auto Insurance Rates by State

The state where you live also determines how much you’ll pay for car insurance. Below, you can see how Allstate estimates vary by state.

State Annual Rate Estimate State Annual Rate Estimate
Alabama $1,372 Alaska $1,880
Arizona $2,502 Arkansas $2,085
California $2,498 Colorado $2,705
Connecticut $2,298 Delaware $2,942
District of Columbia $3,133 Florida $4,314
Georgia $2,133 Hawaii $1,373
Idaho $1,605 Illinois $2,125
Indiana $1,749 Iowa $1,412
Kansas $2,358 Kentucky $2,726
Louisiana $3,344 Maine $1,518
Maryland $3,413 Michigan $9,832
Minnesota $1,851 Mississippi $1,969
Missouri $2,906 Montana $2,306
Nebraska $1,875 Nevada $2,891
New Hampshire $1,581 New Jersey $2,273
New Mexico $2,085 New York $4,548
North Carolina $2,332 Ohio $1,685
Oklahoma $1,910 Oregon $1,908
Pennsylvania $2,062 Rhode Island $2,635
South Carolina $1,835 Tennessee $2,019
Texas $2,766 Utah $1,788
Vermont $1,603 Virginia $1,418
Washington $1,848 West Virginia $2,174
Wisconsin $1,463 Wyoming $2,306

Is Allstate Expensive?

Yes, we found that Allstate is one of the more expensive national providers that offers car insurance coverage. The provider’s estimates are around 21 percent higher than the national average.

Allstate Car Insurance Rates Compared

To get a better idea of how Allstate’s full-coverage policy prices compare to other major providers, see the table below:

Car Insurance Provider Average Annual Cost Estimate
USAA $1,054
Erie Insurance $1,238
Nationwide $1,280
Geico $1,308
Auto-Owners Insurance $1,337
State Farm $1,481
American Family $1,537
Progressive $1,611
Travelers $1,669
Allstate $2,088
Farmers $2,140

How Much Does Allstate Car Insurance Cost?

Upon conducting a thorough analysis of Allstate, we have discovered that the company’s rates generally exceed the average. According to our calculations, a comprehensive insurance plan from this provider typically costs around $174 per month or $2,088 per year for a 35-year-old married individual with good credit and a clean driving record. This figure is higher than the national average of $1,730 per year.

Allstate Car Insurance Prices

Car insurance providers utilize various factors to calculate the ultimate cost of your car insurance. To find out the exact amount you’ll be paying for car insurance with Allstate, it’s necessary to explore different coverage options.

Allstate High-Risk Auto Insurance Rates

We have observed that Allstate is generally one of the pricier insurance companies for high-risk drivers, who typically have a recent DUI, speeding ticket, or accident on their record.

Allstate Car Insurance Discounts

Allstate offers a variety of auto insurance discounts that can help lower your insurance premiums. Some of these discounts include:

Allstate Car Insurance Discount Details
New Car Discount Discount for cars that are the current model year or 1 year prior and you are the first owner
Anti-Lock Brake Discount Discount for cars with anti-lock brakes
Multi-Policy Discount Bundling discount for customers who have Allstate homeowners insurance, renters insurance, or other insurance policies alongside their auto insurance policy
Early Signing Discount® Discount for customers who sign their car insurance policy 7 or more days before it becomes effective
Responsible Payer Discount Discount for customers who haven’t received a cancellation notice for non-payment in the past year
Smart Student Discount Discount for drivers who are unmarried, under 25, maintain good grades, and attend school at least 100 miles away from where the car is garaged
Anti-Theft Discount Discount for having a protective or anti-theft device such as an alarm installed in your car
EZ Pay Plan Discount Discount for customers who set up automatic payments
Allstate eSmart Discount® Discount for customers who sign up for paperless billing
FullPay® Discount Discount for customers who pay their annual premium in full up front
Safe Driving Club Discount for every 6 months without an accident

Although it is not a direct discount, Allstate provides a deductible rewards program. Upon enrollment, this program immediately lowers your collision deductible by $100, and each subsequent year without an accident results in an additional $100 reduction, up to a maximum of $500. Additionally, drivers have the opportunity to benefit from Allstate’s Safe Driving Bonus®. This program allows you to earn a bonus every six months that you maintain an accident-free record. You can choose to have the bonus deposited into your bank account or applied as a credit towards your car insurance policy.

Allstate Usage-Based Insurance

Allstate offers two usage-based services called Drivewise® and Milewise®. Drivewise uses the Allstate mobile app to monitor your driving habits and rewards customers who drive safely with insurance discounts. This includes driving less frequently, avoiding sudden braking, and limiting night-time driving when accidents are more common. Some customers have experienced issues with the functionality of the Drivewise app, as reported in the App Store and Google Play store. These complaints highlight problems with accurately recording drives. On the other hand, the Milewise program calculates car insurance rates based on the distance you drive. The program utilizes a plug-in device that pairs with the Allstate mobile app to track miles driven. If you choose to enroll in the Milewise program, you will be charged a fixed daily rate along with a per-mile rate. This option is particularly beneficial for individuals who drive infrequently.

Allstate Insurance Competitors: Top Recommendations

When it comes to car insurance coverage, there are alternatives to Allstate. It is advisable to compare car insurance quotes from different providers when looking for auto insurance. In your search, we suggest considering two highly regarded insurance providers: USAA and Geico.

USAA: Best For Military Members

USAA is renowned for its exceptional customer satisfaction scores and competitive average rates, making it one of the top insurance providers in the market. The company offers a diverse range of coverage options and attractive discount opportunities specifically designed for military members.

Those who have a good driving record are likely to benefit from the lowest rates when choosing USAA. USAA’s reliability is well-known, evident by its outstanding A++ financial strength rating from AM Best. Additionally, the company consistently earns high rankings in customer satisfaction studies conducted by J.D. Power. While USAA insurance is exclusively available to military members, veterans, and their families, it remains an excellent choice for those who meet the qualifications.

Geico: Best For Discounts

Geico, the second-largest insurance provider in the nation, is renowned throughout the country for its competitive insurance rates and extensive coverage choices. Our team has recognized it as the top choice for discounts due to its consistent reliability and exceptional customer service. It boasts an impressive rating of 4.6 stars. Geico has received an A++ rating for its strong financial standing from AM Best, and it has a proven track record of fulfilling customer claims obligations. With their affordable premium rates, Geico may be the most cost-effective option for a wide range of drivers, particularly those who are good drivers, young drivers, or have poor credit.

Faqs: Allstate Car Insurance Review 2024

Is Allstate the most expensive?

Yes, Allstate is generally more expensive than most competitors, with an average cost of $2,430 per year for a full coverage car insurance policy. This is about 33 percent higher than the national average of $1,732.

Is State Farm better than Allstate?

Which insurer is better depends on your individual needs and driver profile. Both Allstate and State Farm are well-regarded national insurers that provide complete car insurance coverage. We also rate both providers highly. The only way to decide which is better is to reach out for car insurance quotes from each and compare offers.

Is Allstate good at paying claims?

Based on our research, Allstate reliably pays customer claims. There have been allegations that Allstate lowballs settlement offers and some customers have complained. Allstate denies such accusations, and many customers report satisfaction with the Allstate claims process.

Is Allstate a good insurer?

Allstate is a reliable insurer that is rated A+ for financial strength by AM Best. Many Allstate customers report satisfaction with their agents, who tend to be courteous and helpful during the claims process.

How does Allstate determine actual cash value?

Allstate bases actual cash value on your vehicle’s condition (prior to the total loss claim), prior damage, and local market pricing.

What is Allstate’s claims customer service number?

To file a claim, you can call your Allstate agent at 1-800-255-7828 or file a claim online. Customer service is available 24 hours a day, 365 days a year.

How long does Allstate take to settle a claim?

The amount of time Allstate takes to settle a claim depends on several factors. The complexity of your damages, the availability of vendors, and safety and access issues all impact how long it takes to process your claim.

Summary

Allstate car insurance is a reliable and trusted option for drivers looking for comprehensive coverage. With a variety of policy options and customizable features, Allstate can tailor their insurance plans to meet the unique needs of each driver. Their strong financial stability and excellent customer service make them a top choice in the industry. Whether you’re a new driver or have years of experience behind the wheel, Allstate has the coverage you need to protect yourself and your vehicle on the road. To learn more about Allstate car insurance and get a personalized quote, visit their website today. In this article, Allstate was given a rating of 4.1 out of 5.0 stars and was recognized as the recipient of the “Best Local Agents” award in 2024. This evaluation is derived from our comprehensive methodology for assessing car insurance companies.

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