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
Allstate auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance 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 different 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 ride-hailing service such as Uber or Lyft. Usually, rideshare companies’ full coverage only applies 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 last 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.
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. |
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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.
ATV.
RV.
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 age 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 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.
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 right 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.
