Allstate Auto Insurance Review 2024
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Allstate
Discounts
Ease of use
NAIC complaints
Allstate
Discounts
Ease of use
NAIC complaints
Key insights 💡
Allstate offers coverage types other insurers don't, plus plenty of discounts and safe driving perks.
Customer ratings are below average for auto insurance shopping satisfaction compared to other companies.
Allstate's average cost of full coverage is $2,333 per year, compared to the national annual average of $1,776.
Allstate earned 4.5 stars out of 5 for overall performance in our Allstate insurance review. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
One of the nation’s largest auto insurers, Allstate offers customers numerous ways to customize its policies and save on premiums. The company also sells several other financial products, including life, home and renters insurance.
» MORE: The best car insurance companies
Why trust NerdWallet
Where Allstate auto insurance stands out
Coverage. Allstate offers coverage types that some companies don’t, including rideshare insurance, gap insurance, and new car replacement coverage.
Safe driving perks. You’ll receive a credit to your policy for every six months you drive accident free if you enroll in Allstate’s Safe Driving Program. And for every year you go without an accident, you’ll get $100 off your collision deductible, up to $500.
Where Allstate auto insurance falls short
Customer satisfaction. According to J.D. Power’s customer satisfaction studies, Allstate was rated below average for auto insurance shopping .
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.5 /5 | NerdWallet rating 5.0 /5 | NerdWallet rating 4.0 /5 |
Complaints to NAIC Close to expected | Complaints to NAIC Far fewer than expected | Complaints to NAIC More than expected |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
Discounts Great set of discounts | Discounts Great set of discounts | Discounts Great set of discounts |
Bottom line With plenty of coverage options and discounts, this auto insurance giant is worth a look. | Bottom line American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states. | Bottom line Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app. |
How much does Allstate car insurance cost?
Allstate car insurance costs an average of $2,333 per year for full coverage, compared to the national average of $1,776. These rates are according to NerdWallet’s October 2024 analysis.
| Company Name | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Allstate | $2,333 | $633 |
| American Family | $1,324 | $505 |
| Farmers | $2,721 | $896 |
| Geico | $1,296 | $349 |
| Nationwide | $1,928 | $750 |
| Progressive | $1,769 | $512 |
| State Farm | $2,128 | $473 |
| Travelers | $1,386 | $465 |
| USAA* | $1,174 | $306 |
*USAA is only available to military, veterans and their families.
These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Full coverage rates include liability, comprehensive, collision and additional insurance a state requires a driver to have. Your own price will depend on your driving history, car make and model, location and other factors.
For more information on Allstate car insurance rates, including rates after an at-fault accident or DUI, check out the table below.
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.
» MORE: Compare car insurance rates
How Allstate's rates compare
Your car insurance rate is determined by a variety of factors including your driving record and credit history in most states. California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.
Here are Allstate’s average annual auto insurance rates for different coverage types and driving histories compared to national averages, according to NerdWallet’s October 2024 analysis. Rates are for full coverage car insurance unless otherwise specified.
| Driver profile | Company average rate | National average rate |
|---|---|---|
| Minimum coverage | $633 | $501 |
| Full coverage | $2,333 | $1,776 |
| One speeding ticket, good credit | $2,997 | $2,258 |
| One at-fault crash, good credit | $3,570 | $2,625 |
| One DUI, good credit | $3,486 | $3,253 |
| Clean driving record, poor credit | $3,357 | $2,809 |
Here is the average cost of Allstate full coverage by age compared to October 2024 national averages.
| Age | Allstate median rate | National median rate |
|---|---|---|
| 20 | $5,494 | $3,672 |
| 30 | $2,369 | $1,830 |
| 35 | $2,333 | $1,776 |
| 40 | $2,315 | $1,730 |
| 50 | $2,187 | $1,618 |
| 60 | $2,150 | $1,557 |
| 70 | $2,216 | $1,658 |
» MORE: Why is my car insurance so high?
Allstate auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Allstate offers the usual auto coverage choices plus some optional features you can add (depending on your state) for an extra cost. These include:
Accident forgiveness. Your rates won’t increase because of an accident, even if it’s your fault.
Safe driving bonus. For every six months of accident-free driving with Allstate, you can receive money back.
Deductible rewards. For each year with no driving violations, you earn $100 off your collision deductible, up to $500. 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, Allstate won’t just pay your car’s depreciated value, they’ll replace it with a new one.
Roadside assistance. Customers can buy roadside assistance as a one-off cost during their time of need, 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. But with Ride for Hire, you’re covered 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.
Allstate also offers a free car-buying service. Allstate advertises discounts and savings when you use this feature, which provides information about what others paid for the same type of car, including incentives and fees.
Do you know the different types of car insurance? Reading Allstate insurance reviews won’t be much help if you’re not familiar with the types of car insurance and the coverage you need. Use the tool below to clear up any doubts.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Auto insurance discounts
You may be able to save with Allstate by:
Owning a new car.
Bundling multiple policies.
Meeting Allstate’s requirements for a good student.
Having anti-lock brakes.
Having an anti-theft device installed.
Signing your policy at least seven days before it goes into effect.
Not receiving a cancellation notice in the past year for lack of payment.
Setting up automatic payments.
Going paperless.
Having a student who is away at school and keeps their car at home.
Completing Allstate’s teenSMART driver education program for teen drivers.
Paying upfront.
Meeting Allstate’s requirements for a safe driver.
» MORE: Get free car insurance quotes
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Pricing based on tracked driving habits
Allstate offers two programs that track your driving behaviors in exchange for potential discounts.
Milewise: Based on the miles you drive, Milewise insurance has a daily base rate plus a per-mile rate. If you aren’t often behind the wheel or don’t have a long commute, this type of coverage may save you money. This policy isn’t offered in most states. Learn more about pay-per-mile car insurance.
Drivewise: Allstate rewards you with a discount just for using its optional Drivewise program, which you can access in the Allstate app. Drivewise analyzes your speed and braking behavior, as well as what time of day you drive. Drivewise participants who practice safe driving are rewarded with a policy credit every six months.
Is Allstate a good insurance company?
Allstate received an overall satisfaction score of 79 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2024. To put that in perspective, the average score among eleven insurers was 79, and the highest was 81.
Complaints and customer satisfaction
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.
J.D. Power study | Allstate ranking |
|---|---|
Auto insurance shopping (2024) | No. 12 out of 17 companies. |
Auto insurance claims satisfaction (2023) | No. 8 out of 24 companies. |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.More about Allstate auto insurance
Website: Allstate’s website has several tools and resources, including articles on various types of car insurance. You can also find a local agent, get a quote, locate a mechanic or file a claim.
App: You can use Allstate’s app to pay your bill, access ID cards, start a claim, get roadside help and even find out if your digital information has been part of a data breach. The app also includes the Drivewise feature that tracks driving behavior.
Allstate insurance reviews: Life, homeowners and renters insurance
Allstate offers standard insurance for homes, including apartments, condos and mobile homes. To get more details about coverage options and discounts, see our Allstate homeowners insurance review.
If you don’t own the place you live in, check out our Allstate renters insurance review.
Through partners, Allstate also offers a range of life insurance products, including term life, whole life, universal life and variable universal life policies. Learn more about policy details and coverage amounts on our Allstate life insurance review page.
Other insurance from Allstate
Allstate sells these types of insurance:
Motorcycle.
Boat.
All-terrain vehicle.
Recreational vehicle.
Snowmobile.
Business.
Landlord.
Umbrella.
Allstate also sells the following policy types through third parties:
Pet.
Special event.
Flood.
Travel.
Jewelry.
Collectibles.
Car insurance quick-start guide
Read more car insurance guides from NerdWallet to find the best car insurance for you.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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 2021 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.
2025 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.
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