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Allstate Insurance Review 2020

Jan. 2, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

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Allstate reviews and ratings

  • Customer satisfaction ratings are average.
  • Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
  • Offers rideshare insurance in most states.

Allstate is probably best known for its car insurance policies, but the giant company offers a variety of financial services. With its massive reach, wide range of products and many local agents, it’s a good choice for consumers who want an accessible one-stop company.

Allstate auto insurance

4.5 NerdWallet rating

Allstate auto insurance earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula looks at factors like account pricing and discounts, website transparency, financial strength, ease of filing a claim, complaint data from the National Association of Insurance Commissioners and more.

Based on these ratings, Allstate is among NerdWallet’s Best Car Insurance Companies for 2020.

» MORE: Compare car insurance rates

Allstate offers the usual auto coverage choices, plus some optional features you can add (depending on your state) for an extra cost, including:

  • Accident forgiveness, which means your rates won’t increase because of one accident, even if it’s your fault.
  • Safe driving bonus: For every six months of accident-free driving with Allstate, you can receive a check.
  • Deductible rewards: For each year with no driving violations, you earn $100 off your collision deductible, up to $500 off. Allstate takes the first $100 off when you sign up.
  • New car replacement: If you total a new car within the first two model years, you can get a check for a new car, not just your car’s depreciated value.
  • Roadside assistance in three different options: Pay-per-use, as an add-on to auto policies or from Allstate’s Motor Club, which is a subscription service similar to AAA.
  • Rideshare insurance: Allstate’s Ride for Hire coverage is an add-on for customers who drive for ride-hailing services such as Uber and Lyft. This policy isn’t available in all states. Rideshare companies’ full coverage kicks in only while you’re carrying passengers, with limited coverage in between rides. Ridesharing insurance from Allstate is built into your regular policy and covers you the whole time your app is on.

Allstate also has several features that don’t cost extra, such as:

  • Car buying service. Allstate advertises discounts and savings when you use this service, which provides information about what others paid for the same type of car, including incentives and fees.
  • Claim satisfaction guarantee: Allstate issues up to a six-month credit on your car insurance premium if you’re unhappy with how a claim was handled. In states where it’s available, the guarantee comes free with all standard policies.
  • Milewise. Based on the miles you drive, Milewise insurance has a daily base rate plus a per-mile-rate. If you’re not often behind the wheel or don’t have a long commute, consider this type of coverage. This policy isn’t offered in all states.
  • Drivewise: Allstate rewards you with up to a 10% discount just for using its Drivewise app, which analyzes your speed and braking behavior, as well as what time of day you drive. You can earn up to an additional 25% back every six months you drive safely afterward and earn rewards points toward shopping discounts. Even non-customers can sign up for the rewards points program, but it’s not available in every state.

Allstate’s auto insurance discounts include:

  • New car discount.
  • Multiple policy (bundling) discount.
  • Good student discount.
  • Discount if your car has anti-lock brakes.
  • Anti-theft device discount.
  • Early signing discount.
  • Discount if you didn’t receive a cancellation notice for non-payment in the past year.
  • Discount for setting up automatic withdrawals.
  • Paperless discount.
  • Discount for paying upfront.
  • Safe driving discount.

» MORE: Car Insurance Quotes: What You Need to Know

Allstate homeowners insurance

Allstate offers standard insurance for homes, including apartments, condos and mobile homes. You can choose from additional coverage options including:

  • Water backup coverage, which pays out if your sump pump or drain backs up and causes water damage.
  • Scheduled property coverage, which pays out if certain valuables are stolen or damaged. You will need appraisals for the items you want to cover.
  • Green improvement, which helps cover the additional cost of upgrading to energy-efficient versions of items you’re replacing after a claim.
  • Electronic data recovery, which pays to replace lost or stolen computer data, such as photos and videos.
  • Identity theft restoration, which can reimburse for legal fees, lost wages and other costs if your identity is stolen.
  • Business property, which pays for business-related expenses such as inventory.
  • Yard and garden, which helps pay for items like trees, landscaping and riding lawn mowers.

HostAdvantage: If you temporarily rent out your home via Airbnb or other services, you might be interested in Allstate’s home-sharing insurance. It pays out if renters destroy or steal your personal property. Coverage can help pay for repairs your homeowners insurance doesn’t cover, up to $10,000 per rental host period. This policy isn’t available in every state.

Allstate’s home insurance discounts include:

  • Multi-policy discount.
  • Automatic payments discount.
  • Discount when you switch to Allstate without a recent home insurance claim.
  • Fire protection device discount.
  • Early-signing discount.
  • Welcome and loyalty discounts.
  • Discount if you purchase a newly constructed home or you’ve recently bought a home.
  • Discount if you’re over 55 years old and retired.
  • Discount for having a smoke-free home.
  • Discount on homes with storm shutters.
  • Hail-resistant roof discount.

» MORE: Home Insurance Quotes: What You Need to Know

Allstate life insurance

Term life insurance from Allstate is available in term lengths between 10 and 30 years and doesn’t have to be in five-year increments like most term life products. You can choose from options like a monthly payout or convert the policy to permanent life insurance in the future.

Allstate also offers universal life, variable universal life and whole life insurance.

Shopping for life insurance during the pandemic? Be aware that insurers may have changed their products and policy applications. For the latest information on how to cope with financial stress during this emergency, see NerdWallet’s financial guide to COVID-19.

» MORE: Compare life insurance quotes

Allstate complaints and customer satisfaction

Allstate had fewer than the expected number of complaints to state regulators relative to its size for auto and home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners. It had close to the expected number of complaints relative to its size for life insurance.

Across the board, Allstate’s customer satisfaction ratings are average.

2019 J.D. Power studyAllstate ranks...
Auto Insurance ShoppingAbout average
Auto insurance claims satisfactionAbout average
Home insuranceAbout average
Property insurance claimsAbout average

» MORE: Allstate renters insurance review

More about Allstate

Website: Allstate’s website has several tools and resources on its site, including some for retirement planning or to help you move. You can also find a local agent, get a quote, locate a mechanic or read about product offerings.

Allstate’s main mobile phone app allows you to pay your bill, manage your policies, check on the status of a claim, get roadside help and even use augmented reality to map out paths to safety in the event of a fire or other emergency. It includes the Drivewise feature that tracks driving behavior.

The Allstate Digital Locker app is free and helps you create an inventory of your home’s items, which can be helpful if you ever need to make a claim.

Other types of insurance from Allstate
Condo insuranceSnowmobile insurance
Renters insuranceAll-terrain vehicle insurance
Motorcycle insuranceBusiness insurance
Boat insuranceMobile home insurance

Recap: Allstate pros and cons

ProsCons
Fewer complaints to state regulators than expected for home and auto insurance.Customer satisfaction ratings are average compared with other companies.
Generous perks, including accident forgiveness, new car replacement and a safe-driving bonus every six months.
Offers rideshare insurance and home-sharing coverage in many states.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, website transparency and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover

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