Allstate Auto Insurance Review 2023
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Our Take
4.5
The bottom line:
With plenty of coverage options and discounts, this auto insurance giant is worth a look.
Full Review
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Pros & Cons
Pros
- Lots of coverage options, including accident forgiveness, new car replacement and a safe-driving bonus every six months.
- Offers rideshare insurance in many states.
Cons
- Customer ratings are below average for auto insurance shopping satisfaction compared with other companies.
Full Review
Allstate earned 4.5 stars out of 5 for overall performance. 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
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.5 /5 | NerdWallet rating 5.0 /5 | NerdWallet rating 4.5 /5 |
Complaints to NAIC Close to expected | Complaints to NAIC Far fewer than expected | Complaints to NAIC Close to expected |
Ease of use Above average | Ease of use 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 $3,110 per year on average for full coverage insurance. That is over $960 a year more than the average national annual rate of $2,148. Compared with other large insurers, Allstate’s annual full coverage rates are more expensive, on average.
Company | Average annual rate for drivers with a clean record |
|---|---|
State Farm | $1,431 |
American Family | $1,547 |
Travelers | $1,751 |
Geico | $2,009 |
Nationwide | $2,016 |
Progressive | $2,075 |
Farmers | $2,807 |
Allstate | $3,110 |
USAA* | $1,120 |
*USAA auto insurance is available only to active-duty military members, 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. Our full coverage rates include liability, comprehensive, collision and additional insurance a state requires a driver to have. These rates are averages, and your 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 drop-down 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.
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, Massachusetts and Michigan don’t allow insurers to use credit when determining car insurance rates.
Here are Allstate’s average annual auto insurance rates compared with 2023 national averages for full coverage insurance and four driving profiles.
Driving profile | Allstate average rate | National average rate |
|---|---|---|
Good driver, good credit | $3,110 | $2,148 |
Recent at-fault accident, good credit | $4,405 | $3,164 |
Recent DUI, good credit | $4,190 | $3,933 |
Good driver, poor credit | $4,408 | $3,455 |
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, you can get a check for a new car, not just your car’s depreciated value. Allstate also offers “newer car replacement” coverage for vehicles that are 3 to 15 years old.
Roadside assistance in three options. Customers can buy roadside assistance as a one-off cost during their time of need, as an add-on to their auto policy or from Allstate’s Motor Club, which is 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 has 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.
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Auto insurance discounts
You may be able to save with Allstate by:
Owning a new car.
Multipolicy (bundling) discount.
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 withdrawals.
Going paperless.
Having a student who is away at school and keeps their car at home.
Owning a home.
Paying upfront.
Meeting Allstate’s requirements for a safe driver.
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 all states. Learn more about pay-per-mile car insurance.
Drivewise: Allstate rewards you with a 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 get cash back every six months you drive safely and earn rewards points toward shopping discounts. Even noncustomers can sign up for the rewards points program, but it’s not available in every state.
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.
Allstate received an overall satisfaction score of 75 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among seven insurers was 77, and the highest was 82.
Allstate had mixed ratings for consumer satisfaction with auto insurance claims and shopping in 2022 studies by J.D. Power, a data analytics company.
2022 J.D. Power study | Allstate ranking |
|---|---|
Auto insurance shopping | No. 6 out of 8 companies. |
Auto insurance claims satisfaction | No. 5 out of 21 companies. |
See what you could save on car insurance
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More about Allstate auto insurance
Website: Allstate’s website has several tools and resources, including a retirement planning calculator and 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, upload claim photos, 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.
Life, homeowners and renters insurance from Allstate
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.
Business.
Landlord.
Umbrella.
Allstate also sells the following policy types through third parties:
Pet.
Special event.
Flood insurance.
Methodology
2022 auto insurance survey methodology
The survey of 7,755 adults 18 and older was conducted online by Russell Research on behalf of NerdWallet in June 2022. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness and customer support on a scale of 1-100.
Of those respondents: 300 were Progressive, 300 were State Farm, 299 were Allstate, 299 were Geico, 121 were USAA, 116 were Liberty Mutual, 105 were American Family, 105 were Farmers, 105 were Travelers and 101 were Nationwide.
The results have been weighted to be nationally representative. Additional subgroup sample sizes may be available upon request. Any differences noted between subgroups have been tested at 95% confidence level.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with 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.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions: • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state. • 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 2020 Toyota Camry L 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.
These are rates generated through Quadrant Information Services. Your rates will be different.
Frequently asked questions
You can file a claim online, through the mobile app or by calling 800-669-2214.
Allstate offers online auto insurance quotes on its homepage. If you’d prefer to speak with someone about your coverage, you can contact a local agent.
Allstate serves all 50 states and Washington, D.C.
