Allstate
- Lots of discount options, including savings for responsible payers, good students and safe drivers.
- Offers rideshare insurance in many states.
- Customer ratings are below average for auto insurance claims processing as compared to other companies.
- Rates tend to be above average, although discounts are available.
NerdWallet's take on Allstate auto insurance
Allstate earned 4.3 stars out of 5 in our analysis for its discounts and coverage options.
Best for: Safe drivers who want to purchase different types of insurance from the same company and can take advantage of the many discount offerings.
Not ideal for: Drivers who may not qualify for many discounts and could likely get a lower rate with another company.
Where Allstate auto insurance stands out
Coverage options. Allstate offers coverage types that some companies don’t, including rideshare insurance and gap insurance.
Discounts. Allstate rewards safe driving with discounts through its Drivewise program and offers several other discounts, including good student and multi-policy.
Where Allstate auto insurance falls short
Price. Allstate’s premiums can be more expensive than those of many other insurers, our analysis found. Explore Allstate's discounts to determine if you qualify for a better rate.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How much does Allstate car insurance cost?
Allstate car insurance costs an average of $245 per month or $2,935 per year for a full coverage policy, according to our November 2025 analysis. That’s compared to the national average of $2,300 per year.
For minimum coverage, Allstate car insurance costs an average of $63 per month or $750 per year, according to our November 2025 analysis. Compare that to the national average of $627 per year.
Allstate car insurance rates vs. other large insurers
Allstate’s car insurance rates are generally more expensive when it comes to large U.S. insurers. Below are average annual rates for a full coverage policy for a 35-year-old driver with a clean driving history and good credit.
» MORE: Compare car insurance rates
Allstate auto insurance rates by age
Age plays a big part in car insurance rates, because it relates to driving experience and risk. Younger drivers typically pay the highest premiums, but rates tend to stabilize as drivers gain more experience. Allstate was more expensive for each age group we checked in our November 2025 analysis.
Here are Allstate's average car insurance rates for drivers of different ages:
20-year-olds
Allstate: $6,752/year National: $4,684/year
The average cost of Allstate car insurance for 20-year-old drivers is $6,752 per year, or $563 per month. The national average for this age group is $4,684 per year, or $390 per month.
Our analysis found that Allstate’s rates for 20-year-old drivers are typically more expensive when compared to other large auto insurers.
40-year-olds
Allstate: $2,909/year National: $2,232/year
The average cost of Allstate car insurance for 40-year-old drivers is $2,909 per year, or $242 per month. The national average for this age group is $2,232 per year, or $186 per month.
Our analysis found that Allstate’s rates for 40-year-old drivers are generally more expensive when compared to other large auto insurers.
60-year-olds
Allstate: $2,664/year National: $1,988/year
The average cost of Allstate car insurance for 60-year-old drivers is $2,664 per year, or $222 per month. The national average for this age group is $1,988 per year, or $166 per month.
Our analysis found that Allstate’s rates for 60-year-old drivers are generally more expensive when compared to other large auto insurers.
- More Allstate auto rates by age
Age Allstate median rate National median rate 20 $6,752 $4,684 30 $2,996 $2,375 35 $2,935 $2,300 40 $2,909 $2,232 50 $2,719 $2,074 60 $2,664 $1,988 70 $2,781 $2,125
Allstate auto insurance rates by driver profile
Allstate is generally more expensive for drivers regardless of their driving profile. This includes those with a speeding ticket and an at-fault accident. Allstate’s rates for drivers with a DUI, however, may be closer to the national average.
Below are Allstate's average full coverage rates for 35-year-old drivers.
Poor credit
Allstate: $4,378/year National: $3,850/year
The average cost of Allstate car insurance for drivers with poor credit is $4,378 per year, or $365 per month. That's more expensive than the national average, which is $3,850 per year, or $321 per month.
Our analysis found that Allstate’s rates for drivers with poor credit are more expensive when compared to other large auto insurers.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket
Allstate: $3,738/year National: $2,931/year
The average cost of Allstate car insurance for drivers with a speeding ticket is $3,738 per year, or $312 per month. That's more expensive than the national average, which is $2,931 per year, or $244 per month.
Our analysis found that Allstate’s rates for drivers with a speeding ticket are more expensive when compared to other large auto insurers.
At-fault crash
Allstate: $4,580/year National: $3,405/year
The average cost of Allstate car insurance for a driver with an at-fault crash is $4,580 per year, or $382 per month. That's more expensive than the national average, which is $3,405 per year, or $284 per month.
Our analysis found that Allstate’s rates for drivers with an at-fault crash are more expensive when compared to other large auto insurers.
DUI
Allstate: $4,321/year National: $4,265/year
The average cost of Allstate car insurance for a driver with a DUI is $4,321 per year, or $360 per month. That's about on par with the national average, which is $4,265 per year, or $355 per month.
Our analysis found that Allstate’s rates for drivers with a DUI are more expensive when compared to other large auto insurers.
Allstate auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Having a new car. Qualify for up to three years if you insure a current model car.
Bundling. Drivers who get multiple insurance types from Allstate, including homeowners or renters, can qualify.
Being a good student. Qualify by adding a high school student driver with a grade point average of B- or better.
Having anti-lock brakes and electronic stability control. Two discounts are available. Get one if your vehicle has factory-installed anti-lock brakes on all four wheels. The other is available for vehicles with an electronic stability control system.
Having an anti-theft device. Get a discount on collision coverage by adding approved anti-theft devices to your vehicle.
Signing early. Get this discount by signing your policy at least seven days before it goes into effect.
Being a responsible payer. Get a discount automatically if you haven’t received a cancellation notice for lack of payment in the last year.
Being a member of the Safe Driving Club. Qualify if you’ve maintained continuous auto coverage for at least three years and at least one driver on your policy has had no at-fault accidents in five years.
Enrolling in Drivewise and improving your driving. Get a discount if you enroll in Allstate’s driving habits tracking system. Keep the discount if you stay enrolled at renewal. (Note that your premiums may go up or down depending on your driving habits tracked through the Drivewise app. Consider if the discount is worth the risk of increased premiums and sharing your driving information.)
Using the Easy Pay Plan. Set up automatic payments from your bank account and qualify for a discount of up to 5%.
Paying in full. Qualify for this discount if you pay your premium in full at the start of your coverage.
Enrolling in ePolicy. Get the eSmart discount by agreeing to enroll in paperless billing. Continue the discount at renewal if you’ve been managing your policy electronically.
Having air bags and wearing a seat belt. Get the Passive Restraint discount if your vehicle has factory-installed air bags. Get the Seat Belt discount if you attest that you and other insured drivers on your policy wear seat belts.
Having health insurance. Qualify for the Excess Benefit discount if you have health insurance that will cover you in case of an auto accident.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Allstate car insurance coverage
Allstate's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Allstate offers some types of optional coverage, such as:
Accident forgiveness. Your rates won’t increase because of an accident, even if it’s your fault.
Roadside assistance. Customers can buy roadside assistance as a one-off cost when they need immediate service, add it to their auto policy or get an Allstate Roadside membership, a subscription service similar to AAA.
Rideshare insurance. Known as Ride for Hire, this coverage is for people who drive for a ridesharing service such as Uber or Lyft. Usually, rideshare companies’ full coverage applies only while you’re carrying passengers, with limited coverage in between rides. Rideshare insurance covers you the whole time your app is on.
Gap insurance. This coverage pays out when the amount you owe on your car loan or lease is greater than the value of your vehicle at the time it’s declared a total loss.
Rental reimbursement. This can cover the cost of a car rental while your car is being repaired.
Medical payments. Medical costs for you and your passengers can be covered in the case of an accident, regardless of who is at fault.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
Allstate Drivewise program
Drivewise is Allstate’s telematics program that offers discounts to drivers who drive responsibly. It tracks driving behaviors, including speed, braking and mileage. Drivers who have more risky driving behaviors may see an increase in premiums.
Is Allstate a good insurance company?
Allstate is a good insurance company for most drivers. It has strong financials and provides a generally positive customer service experience. It’s best for drivers who prioritize discounts and want to get several types of insurance from the same company.
Allstate performs about slightly below average when it comes to customer satisfaction and complaints expectations. This suggests that while most customers may not be displeased with Allstate’s service, there is room for improvement.
Complaints: Allstate had close to the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Shopping: Allstate ranked ninth out of 18 companies in J.D. Power's 2025 U.S. Insurance Shopping Study. This study measures how shoppers feel about the buying process.
Claims satisfaction: Allstate ranked 15th out of 20 companies in J.D. Power's 2025 Auto Claims Satisfaction Study. This study measures how customers feel about the claims process.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about Allstate car insurance
Customer service: Call 800-726-6033 or send a message through Allstate’s secure message portal.
Website: The website is generally easy to use and has a lot of information, though some of it may be hard to find. You can file a claim and get a quote on the site.
Mobile app: The app allows you to access your insurance card, pay your premium, view your policy, manage your claims and upload documents. It’s available for Android and iOS.
Other Allstate insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I cancel an Allstate policy?
How do I cancel an Allstate policy?
Contact Allstate through their web chat or secured messaging service to cancel your policy.
Is Allstate cheaper than GEICO?
Is Allstate cheaper than GEICO?
Allstate is generally more expensive than GEICO, according to our analysis. Read our GEICO auto insurance review to learn more about GEICO’s auto insurance.
How cheap is Allstate car insurance?
How cheap is Allstate car insurance?
While Allstate can be one of the more expensive insurers, it may have good rates for you depending on your driving profile and the discounts it offers you. Get a quote to learn about your specific rates.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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 and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. 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 and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
