Allstate offers nationwide availability and sound financial footing, while operating local agencies from coast to coast, if you need to file a car insurance claim or change your coverage. Allstate’s broad insurance portfolio offers one-stop shopping for households that need auto, business, home, and life insurance. Its digital tools make it easy for policyholders to shop for, buy, and manage their car insurance policies.
- Pros and Cons
- Company Overview
Digital tools available, and Allstate’s digital service is well-regarded by customers
Optional sound system coverage available to replace stolen or damaged sound system equipment
Optional new car replacement coverage wholly replaces cars under two years old, if damaged
At least 16 discounts available
More NAIC complaints than average
No loyalty discount
- Official Website www.allstate.com
- Insurance Offered Car, home, renters, life, condo, motorcycle, boat, business, and more
- Customer Service Available by phone (1-800-255-7828) or through a local agent
- Year Founded 1931
To potentially lower your car insurance premiums during the pandemic, Allstate encourages investigating switching to usage-based or storage-based changes to your policy. And it notes that if you’re a student and your college is closed, Allstate is still offering student discounts.
Allstate Car Insurance Coverage
Allstate offers a full range of common auto insurance coverage options, including:
- Liability (bodily injury and physical damage, required in most states)
- Personal injury protection
- Medical payments
- Uninsured and underinsured motorist
Optional coverage or endorsements that may be available to add to your policy, depending on your location:
- Rental car reimbursement
- Roadside assistance
- Sound system insurance
- New car replacement
- Mexico tourist auto coverage (through partner agencies in Mexico)
Allstate Car Insurance Costs
Insurers offer unique rates depending upon individual factors, including your driving record, location, age, your vehicle, and how you use it (business, personal only), typical mileage, credit-based insurance score, and other factors that can vary between U.S. states. The amount of insurance coverage you want to purchase also impacts your premium.
We requested Allstate car insurance quotes for two drivers with different profiles (find more details in the Methodology section below) for Minnesota state minimum requirements. Here’s what we found.
|45-year-old, female safe driver (0 prior accidents), 2018 Ford Explorer All-Wheel Drive||24-year-old, male high-risk driver (2 prior at-fault accidents), Ford Explorer All-Wheel Drive|
Liability (bodily injury and property damage)
Uninsured/underinsured motorist bodily injury
|PIP medical with $100 deductible||$538||$578|
|Any other included items||Death indemnity||Death indemnity|
Allstate doesn’t offer nonbinary gender options when requesting online quotes.
Allstate Car Insurance Discounts
When shopping for auto insurance, always inquire about discounts. Chances are, you probably qualify for one or more discounts, which may greatly reduce your rate. Allstate offers a basic collection of car insurance discounts that provide moderate savings, including:
- Youth discounts: Student discounts: grades B- or above, completed driver program, or attend school at least 100 miles away
- Loyalty discounts: Multi-policy discount: (up to 10% discount), multi-car (up to 12% discount), homeowner (nearly 10%)
- Safety discounts: Safe driving club discount, anti-theft device discount, anti-lock brake discount, accident-free discount (called Deductible Rewards), reduced mileage (Milewise)
- Payment discounts: Automatic payment (up to 5%) electronic documents (Allstate eSmart) discount (up to 10%), full pay discount, early signing discount, responsible payer discount
- Other: New car discount
One notable absence from this list is a loyalty discount for customers who’ve been with the company for a year or more—a feature many competitors offer.
Allstate also offers discounts if you use their app-based digital tools, including Drivewise (which monitors and provides feedback on your safe driving habits) and Milewise (which monitors your mileage).
Allstate Car Insurance Availability
Allstate auto insurance is available in all 50 states and the District of Columbia.
How to Get an Allstate Car Insurance Quote
You can request an Allstate car insurance quote online or by contacting a local Allstate agent using Allstate’s online agent finder tool.
Allstate’s site guides you through a series of questions about you, your car, and any other drivers. This takes about 10 minutes. Allstate then generates your quote and gives you the option to add optional coverages or change coverage limits. If you like the quote received, you can buy a policy online or through a local agent, whose name and contact information is included in the quote summary.
How to File a Claim with Allstate
To file an Allstate car insurance claim, you can contact your Allstate agent, call the Allstate claims center at 877-810-2920, file online from your Allstate account, or submit using QuickFoto Claim in the Allstate mobile app.
After filing a claim, you can get a repair estimate from your preferred service provider, or select one from Allstate’s Good Hands Repair Network, which includes more than 3,500 repair shops. After Allstate reviews your repair estimate, you’ll receive information about your claim settlement based on your coverage limits and deductible. Depending on your claim, Allstate can pay the repair shop directly or send the reimbursement payment to you.
Allstate Customer Service
|Consumer Study||How Allstate Fared|
|2019 J.D. Power Auto Claims Satisfaction Study||#18 out of 23; About average|
|2020 J.D. Power Auto Insurance Satisfaction Study||
#1 out of 12 in the Florida region
#3 out of 12 in the Southwest region
#14 out of 14 in the Mid-Atlantic region
Middle of the pack in other regions
|2019 J.D. Power Insurance Digital Experience Study||#2 out of 16; "Better than most"|
|2020 J.D. Power Insurance Shopping Study||#4 out of 8|
|NAIC Complaints Index||2.74 (nearly three times worse than average)|
In J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study, Allstate won the top place in Florida, third place in the Southwest, and in last place in the Mid-Atlantic. In other regions, it placed somewhere in the middle of the pack.
Allstate is available in all regions of the U.S., and earned an average customer satisfaction index score of 827 points out of 1,000, slightly below the 833-point nationwide industry average.
In the 2019 J.D. Power Auto Claims Satisfaction Study measuring customer satisfaction, Allstate ranked #18 out of 23, which still earned it an “about average” ranking.
Most complaints in 2019 concerned claims handling, specifically concerning delays and unsatisfactory settlements or denials of claims, according to the National Association of Insurance Commissioners (NAIC). According to NAIC’s complaint index, Allstate earned a 2.74 complaint index score in 2020, almost three times worse than the industry average of 1.0.
Allstate’s digital tools to help policyholders manage their policies include a mobile app, which enables auto insurance customers to access their insurance ID cards, file claims, make payments, and request roadside assistance. There are also apps to reduce premiums. Unsurprisingly, Allstate scored at #2 out of 16 in digital service in the 2019 J.D. Power Insurance Digital Experience Study.
Shopping for insurance usually isn’t a pleasurable experience, and Allstate ranked as #12 out of 22 in digital shopping in the digital experience study. For the overall quote-to-purchase experience in every medium, it scored as #4 out of 8 in the 2020 J.D. Power Insurance Shopping Study.
An insurer’s financial stability can mean the difference between a positive claims experience and failure to pay a claim. AM Best, an industry leader in insurance industry financial analysis, gives Allstate an A+ (Superior) financial strength rating, which means the carrier has the assets to back its claims obligations.
Other Insurance Provided by Allstate
Allstate’s insurance portfolio features more than a dozen types of insurance options, including:
- ATV, motorcycle, and boat insurance
- Antique and classic auto insurance
- Home and other property insurance
- Event insurance
- Identity protection insurance
- Life insurance
- Pet insurance
Compare Other Car Insurance Reviews
Allstate isn’t the best insurer for all car owners. When looking for auto insurance, always shop the market and choose a provider that can deliver a good combination of coverage, discounts, and price. If Allstate isn’t a fit for you, look at some of our other car insurance reviews.
- Allstate gets an A+ financial rating from AM Best for its substantial assets and superior ability to pay claims.
- Allstate’s digital tools enable you to shop and buy car insurance online and manage your coverage from the convenience of your computer or mobile device.
- Allstate extends a modest selection of discounts but doesn’t reward long-time customers with a loyalty discount.
The Balance strives to give consumers unbiased, comprehensive reviews of auto insurance providers. To ensure that our content helps you make the right insurance decision for your needs, we review each insurance provider’s coverage options, discounts, customer service and satisfaction, and financial stability.
In addition, we look at the cost of a basic policy for a Ford Explorer—one of the most popular cars in the U.S., but not so popular that it’s among the most stolen cars and therefore, more expensive to insure. Our fictional applicants live in a residential suburb of Minneapolis. Insurance premiums in suburbs generally tend to be between the higher rates in urban areas and lower premiums in rural regions. We chose Minnesota because it has about average exposure to severe weather incidents (it has snow, but no hurricanes or tornadoes), and its rates are in the middle of the pack compared to other states.
To give an idea of the range of premiums available to different risk profiles, we got quotes for a middle-aged woman with a clean driving record and a young man with a couple of accidents. Your situation may be quite different, but our quote is not meant to cover every kind of situation, but rather give a sample of what premiums could be with this provider. We use the same profile for every car insurance provider we review, to give the best chance of comparing providers’ costs across the board.
J.D. Power. "Auto Insurance Websites Surpass Agents in Importance to Customer Interaction, J.D. Power Finds." Accessed July 6, 2021.
J.D. Power. "Auto Insurance Claims Satisfaction Reaches Record High as Carriers Refine Time-Consuming Processes, J.D. Power Finds." Accessed July 6, 2021.
NAIC. "Allstate Ins Co, Number of Complaints by Type of Coverage." Accessed July 6, 2021.
NAIC. "Allstate Ins Co National Complaint Index Report." Accessed Sept. 29, 2020.
J.D. Power. "Mobile Gains Traction with Insurance Customers, But Digital Interactions Fall Short of Expectations, J.D. Power Finds." Accessed July 6, 2021.
J.D. Power. "Direct-to-Consumer Auto Insurers Take Top Honors in Shopping Study as New Normal Arrives for P&C Industry, J.D. Power Finds." Accessed July 6, 2021.
AM Best. "Allstate Insurance Company." Accessed July 6, 2021.