Allstate Auto Insurance Review

Allstate ranks among the largest and most complete providers of insurance in the United States, but the company is best-known as an affordable provider of automobile coverage. The company’s huge nationwide marketing presence has helped make it one of the best-known insurers in the industry, but how does it measure up in the market and is it worth your consideration?

In this guide, we will answer these and many other questions you may have about Allstate’s complete lineup of automobile insurance products.

Company profile

Originally part of the Sears, Roebuck & Company corporation behind the iconic Sears department store chain, Allstate emerged as a standalone entity in 1993.

Allstate operates nationally in the United States, and also offers some types of personal insurance to consumers in Canada. As of year-end 2019, Allstate had more than 45,700 employees and was a member of Fortune magazine’s storied Fortune 100 list of the largest and most valuable corporations in America.

Types of auto insurance available through Allstate

As a major nationwide provider, Allstate offers all major forms of conventional and standard auto insurance, including:

You can also purchase specialized policies for:

Coverage options and add-ons

Allstate also features many different types of optional coverage and add-ons to standard auto insurance policies. Most of them are very modestly priced, and include:

Some Allstate plans also come with bonus features, which are included at no extra cost. Depending on where you live and what type of coverage you buy, these may include:

Pricing trends

In March 2020, U.S. News & World Report published a comprehensive analysis of Allstate’s nationwide pricing trends for auto insurance. Here is what customers meeting specific demographic profiles paid for a year of Allstate car insurance, on average:

The publication also tracked rates according to the average annual mileage accrued by the policyholder, revealing the following nationwide trends:

Credit ratings can also affect insurance premiums. Here’s how credit scores in various ranges affected Allstate’s national average rates:

Finally, here’s a snapshot of the average annual premiums paid nationwide by people with various driving records:

Actual rates are affected by many other variables, including your location, profession, age, marital status, the amount and type of insurance you purchase, and others. These figures are only reported to give you an idea of what Allstate customers typically pay. Your actual quotes and rates may differ.

Bundles and discounts

Customers who bundle multiple types of insurance with Allstate enjoy handsome discounts that can add up to hundreds of dollars per year. They apply to any customer who combines their auto insurance with another type of coverage offered by Allstate, a list that includes:

You may also qualify for a discount off the regular cost of your policy if you meet one or more of the following criteria:

Allstate does not automatically apply every discount to which you may be entitled, so be sure to follow up with a company representative if you match one or more of these criteria.

Pros and cons

In curating this list of pros and cons, researchers considered multiple reviews in addition to hundreds of user-generated reactions from real Allstate customers. If you’d like to supplement it with your own research, look for general trends. Don’t worry too much about any one opinion, whether it’s positive or negative.

Here’s what reviewers and customers particularly like about Allstate:

Commonly cited drawbacks and downsides include:

What others are saying about Allstate

As of September 2020, Allstate holds a perfect A+ rating with the Better Business Bureau (BBB).

On the whole, Allstate seems to generate a lower volume of complaints with state-based insurance industry regulators than most other major insurance companies. This speaks to the quality of its customer service and claims process, both of which scored significantly better than average.

The bottom line

Allstate is one of the largest, most reliable, and best-known car insurance providers in the United States. It has a highly visible nationwide presence, which includes thousands of agents and customer service representatives. Allstate is also on very strong financial footing, something you should always look for in an insurance company.

Allstate’s rates may be a little higher than you could find from a competitor, but it also has a much better customer satisfaction record and its claims process appears to be much easier to navigate. You would do well to consider Allstate as your car insurance carrier, especially if you’re able to absorb slightly higher premiums in exchange for better service.