Allstate Auto Insurance Review: Can you get affordable quotes? (2026)

Allstate is one of the most expensive car insurance companies on the market, and Allstate complaints show customer satisfaction is only about average. However, Allstate does offer some great discounts for teenage drivers, and it also offers economical pay-per-mile insurance.

What You Should Know About Allstate

Reading an Allstate auto insurance review before you buy Allstate insurance will help you decide if the company is right for you. Allstate offers many different types of auto insurance coverage and discounts, but its rates are more expensive than most car insurance companies.

Our Allstate review will go over all the pros and cons you need to know about Allstate, from its rates to coverage options. If you find that even the best Allstate auto insurance rates are too expensive for you, use our free quote comparison tool to find the cheapest car insurance in your area.

Allstate Customer Service and Auto Insurance Claims

Allstate has a medium complaint level, which indicates Allstate is average when it comes to customer service and auto insurance claims. In some cases, Allstate customer service may even be considered below average, as it scored poorly in J.D. Power’s Insurance Shopping Satisfaction Survey.

Allstate Insurance Coverage Options

Allstate insurance policies offer the following car insurance options to drivers:

• Collision
• Comprehensive
• Liability
• Medical Payments (MedPay)
• Uninsured/Underinsured Motorist
• Roadside Assistance
• Personal Injury Protection (PIP)
• Personal Umbrella
• Rental Reimbursement
• Rideshare Coverage

Allstate also offers classic car insurance for owners of older vehicles. However, Allstate does lack GAP and modified car insurance coverages.

Allstate Insurance Rates Breakdown

Allstate car insurance rates are among the most expensive, but your Allstate quotes will vary based on where you live and your driving record. Use this Allstate auto insurance review to compare rates by state, age, and driving record to find the most affordable coverage.

Compare Allstate Auto Insurance Rates by State

Allstate rates will vary among states, as you can see from the table below.

States like Michigan and Florida will have more expensive rates. However, Allstate is still rated highly for customer satisfaction in states like Florida despite the state’s more expensive auto insurance rates.

Learn more: Florida Auto Insurance

Compare Allstate Auto Insurance Rates by Age and Gender

No matter what company you choose, you will see some variations in rates by age and gender. Auto insurance for teenagers costs the most at Allstate, but expensive teenage driver rates are common among all companies.

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 25 Female	Age: 25 Male	Age: 30 Female	Age: 30 Male	Age: 60 Female	Age: 60 Male
	$608	$638	$181	$190	$168	$176	$150	$154
	$414	$509	$136	$150	$124	$136	$99	$104
	$810	$773	$172	$180	$160	$167	$120	$128
	$298	$312	$97	$93	$90	$87	$73	$74
	$723	$785	$187	$215	$174	$200	$148	$159
	$411	$476	$136	$150	$124	$136	$99	$104
	$801	$814	$141	$146	$131	$136	$92	$95
	$311	$349	$101	$111	$94	$103	$76	$76
	$719	$910	$107	$116	$99	$108	$89	$90
	$245	$249	$80	$85	$74	$79	$53	$53

Allstate is one of the more expensive companies on the list for all ages, so it may be hard for drivers to get cheap Allstate car insurance.

Compare Allstate Auto Insurance Rates by Driving Record

Accidents, speeding tickets, and DUIs will raise drivers’ rates, as you can see from the table below.

Insurance Company	Clean Driving Record	One Speeding Violation	One Accident	One DUI Conviction
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

The more violations you have on your record, the harder it will be to get affordable Allstate auto insurance.

Allstate Discounts Available

Below, you can see how Allstate auto insurance discounts compare to other companies.

Discount Name
Adaptive Cruise Control	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Adaptive Headlights	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Anti-lock Brakes	10%	✓	✓	5%	5%	5%	✓	5%
Anti-Theft	10%	✓		23%	20%	25%	✓	15%
Claim Free	35%	✓	✓	26%	✓	10%	✓	15%	23%	12%
Continuous Coverage		✓	✓		✓	✓	✓	✓	15%	✓
Daytime Running Lights	2%		✓	3%	5%	5%	✓	✓
Defensive Driver	10%	10%	✓	✓	10%	5%	10%	5%	10%	3%
Distant Student	35%	✓	✓	✓	✓	10%	✓		7%
Driver's Ed	10%	✓	✓	✓	10%	✓	10%	15%	8%	3%
Driving Device/App	20%	40%	✓	✓	30%	40%	20%	50%	30%	5%
Early Signing	10%	✓	✓	✓	✓	8%	✓	✓	10%	12%
Electronic Stability Control	2%	✓	✓	✓	5%		✓	✓	✓	✓
Emergency Deployment	✓	✓	✓	25%	✓	✓		✓	✓	✓
Engaged Couple	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Family Legacy	✓	✓	✓	✓	✓	✓	✓	✓	✓	10%
Family Plan	✓	✓	✓	✓	✓	25%	✓	✓	✓	✓
Farm Vehicle	10%	✓	✓		✓	✓		✓	✓	✓
Fast 5	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Federal Employee	✓	✓		12%	10%	✓		✓	✓	✓
Forward Collision Warning	✓	✓	✓	✓	5%		✓	✓	✓	✓
Full Payment	10%	✓	✓		$50	✓	✓	✓	8%	✓
Further Education	✓	✓			10%	15%		✓		✓
Garaging/Storing	✓	✓	✓		✓	✓	✓	✓		9%
Good Credit			✓	✓	✓		✓		✓	✓
Good Student	20%	✓		15%	23%	10%	✓	25%	8%	3%
Green Vehicle	10%	✓	5%	✓	10%	✓	✓	✓	10%	✓
Homeowner	✓	✓	✓		✓	5%	✓	3%	5%	✓
Lane Departure Warning	✓	✓	✓	✓		✓	✓	✓	✓	✓
Life Insurance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Low Mileage		✓		✓			✓	30%
Loyalty	✓	✓	✓	✓	✓	5%	✓	✓	✓
Married	✓	✓	✓	✓			✓		✓
Membership/Group	✓	✓	✓		10%	7%		✓		✓
Military		✓	✓	15%	4%	✓			✓
Military Garaging	✓	✓	✓	✓	✓	✓	✓	✓	✓	15%
Multiple Drivers	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple Policies	10%	29%	✓	10%	20%	10%	12%	17%	13%
Multiple Vehicles		✓	✓	25%	10%	20%	10%	20%	8%
New Address	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Customer/New Plan	✓	✓	✓	✓		✓	✓	✓	✓	✓
New Graduate	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Vehicle	30%	✓	✓	15%	✓			40%	10%	12%
Newly Licensed	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Newlyweds	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Non-Smoker/Non-Drinker	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occasional Operator	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occupation		✓			10%	15%	✓	✓		✓
On-Time Payments	5%	✓		✓	✓	✓	✓	✓	15%	✓
Online Shopper	✓	✓	✓	✓	✓	✓	7%	✓	✓	✓
Paperless Documents	10%	✓		✓	✓	5%	$50	✓	✓	✓
Paperless/Auto Billing	5%	✓		✓	✓	$30	✓	$20	3%	3%
Passive Restraint	30%	30%		40%		20%	✓	40%
Recent Retirees	✓	✓	✓	✓	4%	✓	✓	✓	✓	✓
Renter	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Roadside Assistance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Safe Driver	45%	✓		15%	✓	35%	31%	15%	23%	12%
Seat Belt Use	✓	✓	✓	15%	✓	✓		✓	✓	✓
Senior Driver	10%	✓		✓	✓	✓	✓	✓	✓
Stable Residence	✓	✓	✓	✓	✓		✓	✓	✓	✓
Students & Alumni	✓	✓	✓		10%	7%		✓	✓	✓
Switching Provider	✓			✓	10%	✓		✓	✓	✓
Utility Vehicle	15%	✓	✓		✓	✓		✓	✓	✓
Vehicle Recovery	10%	✓	✓	15%	35%	25%	✓	5%
VIN Etching	✓	✓	✓	✓	5%		✓	✓
Volunteer	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Young Driver	✓	✓	✓	✓		✓	✓	✓	✓	$75

This good selection of Allstate auto insurance discounts can help lower Allstate auto insurance costs.

Allstate also offers some great student auto insurance discounts that can help young drivers save, such as its teenSMART discount. These young driver discounts at Allstate can make it easier to get affordable auto insurance quotes for high school students.

How Allstate Ranks Among Providers

When you compare Allstate rates to other auto insurance companies, it’s one of the most expensive companies for drivers. For example, our State Farm auto insurance review shows that State Farm’s rates are about half that of Allstate.

However, rates aren’t always the most important factor to drivers. For instance, if you compare Allstate vs. USAA auto insurance, USAA may have cheaper rates, but Allstate has more coverage and discount options.

Read more: Allstate vs. USAA: Which Offers More Affordable Auto Insurance Quotes