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You've probably heard commercials and advertising for Allstate's famous "you're in good hands" slogan. Although it seems like the company is everywhere right now, it has a long history of selling insurance products.
Allstate is one of the biggest car insurance companies around and is available in all 50 states. Allstate has extensive auto coverage options and discounts to help customers customize their coverage and get only what they need. It also has an extensive network of local agents to help customers who want to deal with someone directly.
Despite all the options, be aware that customer complaints are higher than the industry average, according to the National Association of Insurance Commissioners complaint index — though only slightly — and that Allstate scored lower than the study average on the J.D. Power 2024 U.S. Auto Claims Satisfaction Study. That being said, it has an A+ rating for financial strength from AM Best, which is always a good thing.
How we evaluate products
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.
Allstate pros and cons
- Multiple discounts available, including safer driver, good student, and new car discounts
- Offers multiple policy types including rideshare
- Available in all 50 states
- Middling performance on customer satisfaction
- Extra cost for roadside service
- Allstate only sells insurance in six-month term periods
How much does Allstate cost?
Car insurance premiums are based on various factors, including your driving record, your age, gender, location, and, in some states, your credit score. Allstate, on average, offers affordable policies for a range of driver types.
| Driver type | Allstate liability-only monthly premium | Allstate full coverage monthly premium |
| Clean driving record | $60 | $128 |
| Speeding ticket on driving record | $73 | $154 |
| At-fault accident on driving record | $77 | $162 |
| DUI on driving record | $98 | $208 |
| Teen driver | $118 | $251 |
| Senior driver | $45 | $95 |
| Data sourced from Insurify | ||
Compare these numbers to the national averages below to get an idea of just how much cheaper Allstate is, especially for those with a spotty driving record.
| Driver type | National average liability-only monthly premium | National average full coverage monthly premium |
| Clean driving record | $105 | $192 |
| Speeding ticket on driving record | $141 | $265 |
| At-fault accident on driving record | $146 | $274 |
| DUI on driving record | $166 | $313 |
| Teen driver | $194 | $364 |
| Senior driver | $85 | $160 |
| Data sourced from Insurify | ||
Is Allstate car insurance good?
Company ratings:
- AM Best: A+
- J.D. Power claims satisfaction: 691/1,000
- BBB: A+
- NAIC complaints: 1.02 (Private Passenger)
Allstate performs slightly below average on the various industry metrics we review when assessing insurers. The company gets an A+ for financial strength from AM Best and an A+ from the Better Business Bureau — both marks in its favor.
It also registers only slightly above the expected number of complaints per the National Association of Insurance Commissioners (NAIC) complaint index. The NAIC complaint index compares insurance providers based on how many complaints they receive relative to a given year's study average across the industry.
The NAIC calculates this by dividing the company's share of complaints by the total countrywide, with the national index set at 1.00, which means that a company with an index of 2.00 would have twice the expected number of complaints. Allstates comes in at 1.02, which indicates it's right about in line with the expected number of complaints.
It did perform below average on the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, scoring 691 out of 1,000 against the study average of 697. For comparison, the top-scoring company, NJM, got a 782 out of 1,000.
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Discounts
Various factors affect car insurance premiums, including your driving record, your age, gender, and location, and, in some states, your credit score.
Allstate, like most insurers, offers a range of discounts that — if you qualify for them — can help you get a lower rate on your car insurance.
| Discount | Does Allstate have it? | Progressive | Liberty Mutual |
| Loyalty | No | Yes | No |
| Multi-policy/bundling | Yes | Yes | Yes |
| Multiple vehicle | No | Yes | Yes |
| Airbag | No | No | No |
| Anti-lock brakes | Yes | No | No |
| Anti-theft | Yes | No | No |
| Safe driver | Yes | Yes | Yes |
| Good student | Yes | Yes | Yes |
| Away-from-home student | Yes | Yes | Yes |
| New car | Yes | No | No |
| Pay in full | Yes | Yes | Yes |
| Automatic payments | Yes | Yes | Yes |
| GAP insurance | No | No | No |
| Senior | No | No | No |
| Military | No | No | Yes |
| Defensive driving course | No | No | Yes (select states) |
Drivewise and other ways to save
Drivewise is Allstate's safe driving program that measures your driving behavior using the Allstate mobile app. The app will give you personalized insights into how to drive safely, such as avoiding hard braking or speeding. Customers will receive a policy discount just for signing up with the program and a performance reward based on their safe driving habits.
The program varies by state and may not be available in all areas, but it's not the only additional way to save on your insurance with Allstate.
Deductible Rewards
Deductible Rewards is an opt-in program from Allstate that can get you up to $500 off your collision insurance deductible over the course of five years with the insurer. You'll get $100 off just for signing up, and then $100 for every year you go without getting into an accitdent. Deductible Rewards discounts at capped at $500. When you avoid car accidents each year, Allstate rewards you for safe driving.
Milewise
Milewise is Allstate's pay-per-mile car insurance option. If you drive less than average, you may save money on car insurance using a pay-per-mile insurance program like Milewise. Your mileage is tracked using a telemetrics device installed in your car's steering column, and monthly bills are calculated using pre-established daily and per-mile rates. Milewise is not available in every state.
Average rate:
Coverage
Allstate offers a variety of insurance coverages that could help you meet state minimum requirements and ensure you're covered for whatever the road brings. Available Allstate car insurance coverage options and add-ons include:
- Collision
- Comprehensive
- Liability
- Medical payments
- Uninsured and underinsured motorist
- Roadside
- Personal injury protection (PIP)
- Personal umbrella policy
- Rental reimbursement
- Classic car insurance
- Travel to Mexico
- Rideshare insurance
- Motorcycle
- Other coverages including snowmobile, boat, RV and off-road/ATV
Although Allstate has many coverage options, state limitations may restrict the type or amount of coverage available in your area. If you're searching for a particular kind of coverage, you may need to contact an Allstate agent for help.
In addition to auto insurance, Allstate offers other insurance policies, such as homeowners and renters insurance, that may provide a discount for bundling with your auto policy.
Some of the additional types of insurance that Allstate offers include:
- Homeowners insurance
- Renters
- Condo
- Landlord
- Flood
- Term life insurance
- Universal life insurance
- Whole life insurance
- Business insurance
- Identity protection
- Phone protection
Allstate vs. competitors
When compared to national averages and most of its competitors, Allstate falls on the more affordable side of things. Every driver's rate is going to be different based on the discounts they qualify for and their record of accidents, speeding tickets, and other incidents, but on the whole, Allstate offers quite reasonable policies.
| Company name | Average monthly full coverage | Average monthly liability-only coverage |
| USAA | $99 | $46 |
| GEICO | $118 | $55 |
| State Farm | $119 | $55 |
| Allstate | $132 | $62 |
| Progressive | $148 | $101 |
| American Family | $157 | $72 |
| Nationwide | $181 | $85 |
| Travelers | $191 | $90 |
| National average | $199 | $105 |
| Farmers | $236 | $110 |
| Liberty Mutual | $250 | $169 |
| Data sourced from Insurify | ||
Allstate vs. Progressive
Again, your final rate will vary on a range of factors, including the types and levels of coverage you need, choosing to get insurance from Allstate is likely to be cheaper than getting it from Progressive.
Allstate's monthly average premium for full-coverage auto insurance is $128, according to Insurify, versus Progresive's $142. Both are cheaper than the national average of $199 per month, though.
Allstate's monthly average for liability-only coverage is just $60, compared to Progressive's $98 and the national average of $105.
Allstate vs. Liberty Mutual
Allstate is even more affordable when you compare its average rates to Liberty Mutual's. For full-coverage, Liberty charges an average of $241 a month. For liability-only, Liberty Mutual charges $166 per month.
That's just over $100 a month more than Allstate for liability-only and well over $100 more per month than Allstate for full-coverage.
FAQs
How do I contact Allstate?
Allstate offers 24/7 online chat support and FAQ pages through their website. You can also reach out via the following channels:
- For general questions: 1-800-726-6033
- X (formerly known as Twitter): @Allstate
- Online contact form
Or, you can find and contact an agent for assistance here.
Is Allstate good at paying claims?
According to the J.D. Power 2024 U.S. Auto Claims Satisfaction Survey, Allstate is below the national average for customer satisfaction with claims. It scored 691 out of 1,000, putting it below, but not too far below, the industry average of 695.
Does Allstate auto insurance cover rental cars?
Allstate will likely cover rental vehicles. If you're driving the rental car for personal use, you are likely covered up to your policy limits and deductible amount. Still, it's always a good idea to check with your insurance provider about what is and is not covered when renting a car.
Bottom line
Although it may leave a slight something to be desired on a couple customer satisfaction metrics, Allstate provides affordable coverage, has a long history as an insurer, and has gents in every state to help you get the most out of your car insurance.
As you research car insurance options, including Allstate in your comparisons may help you save money and find discounts you didn't know you qualified for.
Be sure to determine your coverage needs and obtain multiple car insurance quotes from the best car insurance companies to help you find the right insurer for you.
Average rate:
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