Allstate Auto Insurance Review: Can you get affordable quotes? (2024)

Affordable Allstate auto insurance rates are $160/mo, which is cheaper than the national average but more expensive than other companies. Allstate auto insurance reviews give it a strong financial rating, and drivers can save 10% with Allstate auto insurance discounts for continuous coverage.

UPDATED: Dec 12, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 12, 2023Fact Checked

Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

UPDATED: Dec 12, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 12, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 12, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 12, 2023Fact Checked
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The Allstate Corporation

Average monthly rate for good drivers:

$160

A.M. Best rating:

A+

Complaint level:

Med

Pros

  • Usage-based auto insurance available with Allstate Drivewise
  • Pay-per-mile insurance available with Allstate Milewise
  • Competitive rates for teen drivers who complete the Allstate teenSMART driver safety program

Cons

  • More expensive auto insurance rates than its competitors
  • Average or below-average customer satisfaction in most regions
  • One of the worst companies in J.D. Power’s Insurance Shopping Satisfaction Survey

Final Verdict: Review of The Allstate Corporation

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.

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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.

Allstate Full Coverage and Liability-Only Auto Insurance Monthly Rates by State
StateFull CoverageLiability Only
Alaska$280$130
Alabama$270$120
Arkansas$260$115
Arizona$250$110
California$300$140
Colorado$285$125
Connecticut$295$135
District of Columbia$310$140
Delaware$290$130
Florida$320$150
Georgia$280$130
Hawaii$240$110
Iowa$235$105
Idaho$230$100
Illinois$260$115
Indiana$250$110
Kansas$260$120
Kentucky$265$125
Louisiana$330$155
Massachusetts$295$140
Maryland$290$130
Maine$240$105
Michigan$340$160
Minnesota$270$120
Missouri$275$125
Mississippi$280$130
Montana$260$115
North Carolina$255$115
North Dakota$245$105
Nebraska$250$110
New Hampshire$255$115
New Jersey$310$145
New Mexico$270$120
Nevada$295$135
New York$320$150
Ohio$250$110
Oklahoma$275$125
Oregon$265$120
Pennsylvania$290$135
Rhode Island$300$140
South Carolina$280$130
South Dakota$240$105
Tennessee$265$120
Texas$305$140
Utah$260$115
Virginia$270$120
Vermont$245$110
Washington$275$125
Wisconsin$250$110
West Virginia$265$120
Wyoming$255$115

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.

Auto Insurance Monthly Rates by Provider, Gender, & Age
Insurance CompanyFemale (16)Male (16)Female (25)Male (25)Female (30)Male (30)Female (60)Male (60)
Allstate$608$638$181$190$168$176$150$154
American Family$414$509$136$150$124$136$99$104
Farmers$810$773$172$180$160$167$120$128
Geico$298$312$97$93$90$87$73$74
Liberty Mutual$723$785$187$215$174$200$148$159
Nationwide$411$476$136$150$124$136$99$104
Progressive$801$814$141$146$131$136$92$95
State Farm$311$349$101$111$94$103$76$76
Travelers$719$910$107$116$99$108$89$90
USAA$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.

Full Coverage Auto Insurance Monthly Rates by Provider and Driving Record
Insurance CompanyClean Driving RecordOne Speeding ViolationOne AccidentOne DUI Conviction
Allstate$160$188$225$270
American Family$117$136$176$194
Farmers$139$173$198$193
Geico$80$106$132$216
Liberty Mutual$174$212$234$313
Nationwide$115$137$161$237
Progressive$105$140$186$140
State Farm$86$96$102$112
Travelers$99$134$139$206
USAA$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.

Auto Insurance Discounts Offered by Top Companies
Discount NameAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Adaptive Cruise Control5%
Adaptive Headlights5%
Anti-lock Brakes10%5%5%5%5%
Anti-Theft10%23%20%25%15%
Claim Free35%26%10%15%23%12%
Continuous Coverage15%
Daytime Running Lights2%3%5%5%
Defensive Driver10%10%10%5%10%5%10%3%
Distant Student35%10%7%
Driver's Ed10%10%10%15%8%3%
Driving Device/App20%40%30%40%20%50%30%5%
Early Signing10%8%10%12%
Electronic Stability Control2%5%
Emergency Deployment25%
Engaged Couple
Family Legacy10%
Family Plan25%
Farm Vehicle10%
Fast 5
Federal Employee12%10%
Forward Collision Warning5%
Full Payment10%$508%
Further Education10%15%
Garaging/Storing90%
Good Credit
Good Student20%15%23%10%25%8%3%
Green Vehicle10%5%10%10%
Homeowner5%3%5%
Lane Departure Warning
Life Insurance
Low Mileage30%
Loyalty5%
Married
Membership/Group10%7%
Military15%4%
Military Garaging15%
Multiple Drivers
Multiple Policies10%29%10%20%10%12%17%13%
Multiple Vehicles25%10%20%10%20%8%
New Address5%
New Customer/New Plan
New Graduate5%
New Vehicle30%15%40%10%12%
Newly Licensed5%
Newlyweds5%
Non-Smoker/Non-Drinker
Occasional Operator
Occupation10%15%
On-Time Payments5%15%
Online Shopper7%
Paperless Documents10%5%$50
Paperless/Auto Billing5%$30$203%3%
Passive Restraint30%30%40%20%40%
Recent Retirees4%
Renter
Roadside Assistance
Safe Driver45%15%35%31%15%23%12%
Seat Belt Use15%
Senior Driver10%
Stable Residence
Students & Alumni10%7%
Switching Provider10%
Utility Vehicle15%
Vehicle Recovery10%15%35%25%5%
VIN Etching5%
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.

Before signing up with an auto insurance company, make sure you do your research and compare it to other options.

Daniel Walker Licensed Insurance Agent

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 

Frequently Asked Questions

How do I file an Allstate auto insurance claim?

You can file an Allstate auto insurance claim through the app, its website, or by phone.

Is Allstate good at paying claims?

Allstate has a medium rating for customer satisfaction and claims, meaning it is about average, and you’ll likely find better claims handling with another company.

Why are Allstate auto insurance rates so high?

Allstate rates are already higher than average, but they may be higher because of your driving record, age, and other factors.

Is Allstate better than Geico?

Geico offers cheaper rates than Allstate insurance, but which company is better will depend on your personal preference.

What states is Allstate auto insurance available?

Allstate auto insurance is available in all 50 states.

Who is Allstate’s biggest auto insurance competitor?

State Farm is one of Allstate’s biggest competitors, as are Geico and Progressive.

Is Allstate known for denying claims?

Is Allstate more expensive than Farmers?

On average, Allstate rates are similar to Farmers rates, with the two alternating between which is more expensive among the different demographics.

Are Allstate auto insurance rates cheaper than Geico?

No, Geico’s auto insurance quotes are usually cheaper that Allstate quotes.

Which is the best for auto insurance, Allstate or Liberty Mutual?

Liberty Mutual rates are actually more expensive on average than Allstate’s rates, making Allstate the cheaper company.

Is it better to buy Allstate auto insurance or State Farm?

Whether Allstate insurance or State Farm insurance is better depends on what you are looking for. Read our State Farm auto insurance review for more information.

Does Allstate sell other types of insurance?

Yes, besides Allstate insurance for different types of vehicles, Allstate also sells property, life, business, identity protection, and phone protection insurance.

How do I contact Allstate customer service?

You can call Allstate insurance customer service at 800-726-6033 or contact them online through its website chat option.

Can you negotiate with Allstate claims?

If you want to negotiate Allstate claims, you will need to have a valid reason for contesting the claim and provide proof.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for allstate

4.00 (11,412 reviews)
3
June 20, 2023

EveC

Always lose arbitrations

I had gotten backed into. Have audio of it. Have video of her driving away with her damage and license. Have him on audio with his phone # and saying her name threatening if we call it into insurance. Allstate still lost the case and I'm out a deductible! In the 90's taxi ran stop sign police report said looked exactly like what happened and Allstate still lost that one too!!! Bye bye Allstate!
0.5
October 17, 2022

Valencia Harris

ALLSTATE INSURANCE

PLEASE DO NOT SUBJECT YOURSELF TO THIS HORRIFIC EXPERIENCE. I wish I had come to this site before made the HUGE mistake of switching my auto insurance and bundling it with Allstate. They were fine as my homeowner\'s plan. I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. I paid my policy in full, was mistake #1, In October my Allstate coverage increased by 89.00, I ...
PLEASE DO NOT SUBJECT YOURSELF TO THIS HORRIFIC EXPERIENCE. I wish I had come to this site before made the HUGE mistake of switching my auto insurance and bundling it with Allstate. They were fine as my homeowner\'s plan. I switched my auto coverage in August trying to reduce my auto insurance due to the increase with my previous plan to save money. I paid my policy in full, was mistake #1, In October my Allstate coverage increased by 89.00, I called to get an explanation, to call this a customer service department would be a LIE! There was NO customer services at all, in fact speaking with Juan and Pat was like speaking with a child who had yet to learn how to comprehend, think or articulate. They simply read the document I had in hand to me as if I couldn\'t read even though I told them I have it, but it doesn\'t give an explanation of why the increase took place. The only response I received from either of them was insults Pat told me I could cancel my coverage as if she didn\'t care, Juan told me nothing. I am so disheartened cause I will need to start looking for other coverage and it seems like the staff these establishments are hiring are inept and inadequate they aren\'t able to function. They won\'t let you speak with a supervisor, one rattled paper in the phone to get me off of the phone. They ar enasty and purposely unhelpful, I wrote Allstste on line and never received a response from their customer service.
1
June 4, 2022

Keith_G__

As Discriminatory As You Can Possibly Get

My wife worked at one of Allstate's satellite offices. I proposed to her over the weekend. On Monday, her boss fired her after showing her ring off to a coworker. He took her into his office and explained she was being fired because he "believed in the Bible." My wife and I called Allstate HR at the corporate office and told them what had happened and they told us that because my wife worked at a satellite office, which were owned and run by indi...
My wife worked at one of Allstate's satellite offices. I proposed to her over the weekend. On Monday, her boss fired her after showing her ring off to a coworker. He took her into his office and explained she was being fired because he "believed in the Bible." My wife and I called Allstate HR at the corporate office and told them what had happened and they told us that because my wife worked at a satellite office, which were owned and run by individual people, those satellite offices could be run however they wanted and none of AllStates corporate protections applied. They basically said 'too bad so sad.' A little while later, before we'd had a chance to switch insurance companies yet (a long and tedious process) I got into a car accident. The other driver ran a red light, hitting me and I was sent to the hospital. I'm a transgender man and was literally about to change my legal name within a few days. I called Allstate to file the claim and asked that they use my new legal name. They said they couldn't because it wouldn't be official for a few days. I said 'fine, I'll call back in a few days." They then threatened me and told me if I didn't file "RIGHT NOW" they wouldn't take care of my claim. I was then forced to give my statement while being deadnamed and misgendered the entire time. Believe it or not this story it gets worse. So months go by. MONTHS. The insurance that was paying for a rental car runs out. I still have no reimebursment so I cannot buy a new car (mine was totaled.) I'm bein harassed by the bank over my car note, which obviously I wasn't paying since my car was totaled and Allstate was SUPPOSED to reimburse me for nearly everything. I had excellent coverage and excellent credit. I'm in constant contact with them. E-mails, phone calls, more e-mail, more phone calls. Every. Single. Day. And they will not give me the money. Excuse after excuse, and I'm deadnamed and misgendered every single time. Even though now my legal name has changed, they insisted on putting my dead name and wrong gender on the original report. So now people are VERY confused when they talk to me, hearing my deep masculine voice and seeing my pretty feminine name on paper. THANKS ALLSTATE! I was humiliated, endlessly, every day for over NINE MONTHS. Meanwhile, my wife is driving me to and from work because the insurance covering the rental car ran out months ago. My credit is being destroyed because I have no insurance money to buy a new car or pay the bank for the old car fee with, and I'm still recovering physically from the crash. I end up getting a lawyer and I told them "give me my money you've owed me for over 9 months now by tomorrow or I'm suing you." Magically, the next day, all the money was released. Allstate put me through a [REDACTED WORD] I cannot describe properly on this complaint. I never imagined in all my life how much hardship and hurt an insurance company could truly cause. Stay away. Far FAR away.
1
February 15, 2022

brenda_trammell

RUDE CUSTOMER SERVICE AND SCAMMERS!!!

worse insurance EVER !!! STAY AWAY !!!and i have had a few RUDE CUSTOMER SERVICE AND SCAMMERS MY PAYMENT FOR THE MONTH WAS A 100.00 MORE AND 1ST CS PERSON TRY TO TELL ME OVER SOME PAPER WORK THAT I GOT AND DIDNT SIGN, NEVER HAPPEN!! AND THE STUPID LADY I TALK TO NEXT TOLD ME IT WENT UP FOR TALKING IT OFF OF AUTO PAY WTH [REDACTED]
1
February 11, 2022

Akiraw1_

The worst insurance ever

Absolutely the worst insurance company ever complete liars scammers and they charge a ridiculous price….Liberty mutual is the best route if you ask me
1
January 6, 2022

pirish101

Way overpriced! Will scam you if you cancel!

After shopping around I found a policy that was 1/3 the cost (Literally 1/3 the cost) and cancelled. After canceling I was charged 30% of the yearly fee after only having insurance for 13 days. Total scam hidden in the fine print.
1
January 2, 2022

Carolyn0022

Untrained and Ignorant CS Team and Managers

All the customer service reps and their managers are ignorant. They will have me scenarios on how they are not liable for the damages. I called many times and talked with many people there. All are stupid and unhelpful!! Stay away
1
December 17, 2021

Allstate_Sucks_in_CA

Allstate SUCKS

Horrible experience! I've been with Allstate 18 years, time to change companies, they suck. Filed an auto claim 5 months ago, car has yet to be repaired. Allstate has provided every excuse from repair shop isn't listed as preferred supplier, even though Allstate provided me with the shop contacts to billing issues with subcontractors with the shop. Now I'm told the estimate that was done 2 months ago wasn't done correctly and another adjuster has...
Horrible experience! I've been with Allstate 18 years, time to change companies, they suck. Filed an auto claim 5 months ago, car has yet to be repaired. Allstate has provided every excuse from repair shop isn't listed as preferred supplier, even though Allstate provided me with the shop contacts to billing issues with subcontractors with the shop. Now I'm told the estimate that was done 2 months ago wasn't done correctly and another adjuster has to look at it. Funny, Allstate knows how to cash my check every month. Too many insurance companies out there to pay for crap experiences like this, go someplace else.
3
August 9, 2021

Shaytys50_

Unprofessional Agent

My experience with the agent that handled my uninsured Motorist bodily injury claim. The Agent was very rude, she was very unprofessional, I was in a bad accident on 4-22-2021, I wasn’t the cause of the accident. Someone hit me while I was sitting at a red light. Hit me from the back. And the driver drove off, so I reported the accident to My!!! Insurance Company!!! Allstate! I been A Customer of Allstate for over 8 years! And the way I was t...
My experience with the agent that handled my uninsured Motorist bodily injury claim. The Agent was very rude, she was very unprofessional, I was in a bad accident on 4-22-2021, I wasn’t the cause of the accident. Someone hit me while I was sitting at a red light. Hit me from the back. And the driver drove off, so I reported the accident to My!!! Insurance Company!!! Allstate! I been A Customer of Allstate for over 8 years! And the way I was treated by the one Agent! She has know customer service skills. Her name is [REDACTED NAME].
2
July 6, 2021

rickcf

Need to watch them and Drivewise is a scam.

In my experience Drivewise is a scam and the tech I spoke to a few weeks ago said it was broke but I 'should not uninstall it.'. It was ok years ago then they changed the programming that suddenly created false driving events on all 3 of my vehicles. Every trip, even driving my farm truck on my property started giving hard braking events. Then they remove the ability to get rid of those false reports on their website. So I had to use the pho...
In my experience Drivewise is a scam and the tech I spoke to a few weeks ago said it was broke but I 'should not uninstall it.'. It was ok years ago then they changed the programming that suddenly created false driving events on all 3 of my vehicles. Every trip, even driving my farm truck on my property started giving hard braking events. Then they remove the ability to get rid of those false reports on their website. So I had to use the phone app. But in the past year+ the phone app now hangs and crashes so you can't even do anything with it, worthless. My drivewise 'rewards' is very low if anything at all and our car rates are going up. We will be looking at other insurance again. We had allstate 15 years ago and dropped them because they raised the rates slowly over the competition and I will check to see if they are doing it again.
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