Allstate ranks 12th nationally, among the moderately strong best car insurance companies for most drivers. The company excels in affordability and customer experience, offering competitive rates and solid service quality. This ranking reflects a 40-year-old male driver with good credit and no driving violations. Allstate's ranking for your profile depends on your coverage needs.
Allstate Car Insurance Review
Updated: September 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
Allstate ranks 10th for full coverage affordability and 11th for minimum liability coverage, with average rates of $166 and $83 monthly, respectively.
Allstate ranks 10th nationwide for overall customer satisfaction, putting it in the middle tier among major insurers based on customer reviews and service quality.
Allstate ranks third for coverage options due to features like mechanical breakdown insurance and a disappearing deductible program.
Allstate Car Insurance Ratings
| Overall Score | 3.78 | 12 |
| Customer Experience | 4.25 | 10 |
| Coverage | 4.24 | 3 |
| Affordability | 3.46 | 15 |
Who Is Allstate Car Insurance Best and Worst For?
Allstate works best for drivers seeking comprehensive coverage options, those wanting extensive add-on protection, customers prioritizing strong local agent support and families needing multiple policy bundling. Budget-conscious drivers and those wanting bare-minimum coverage should look elsewhere.
Compare how Allstate stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.13 | 10 |
Allstate Car Insurance Ratings by State
Allstate ranks within the top five companies in six out of 51 states and territories nationwide. The company doesn't claim the top spot in any state, suggesting limited market leadership despite its national presence and brand recognition.
| Alabama | 3.89 | 9 |
| Alaska | 3.81 | 4 |
| Arizona | 4.08 | 7 |
| Arkansas | 3.81 | 9 |
| California | 3.96 | 6 |
| Colorado | 3.66 | 8 |
| Connecticut | 3.93 | 3 |
| Delaware | 3.86 | 9 |
| District of Columbia | 3.41 | 6 |
| Florida | 3.72 | 11 |
| Georgia | 3.99 | 7 |
| Hawaii | 3.77 | 6 |
| Idaho | 3.79 | 9 |
| Illinois | 3.69 | 10 |
| Indiana | 3.51 | 11 |
| Iowa | 3.56 | 9 |
| Kansas | 3.58 | 9 |
| Kentucky | 3.49 | 11 |
| Louisiana | 3.68 | 8 |
| Maine | 3.49 | 10 |
| Maryland | 3.50 | 10 |
| Massachusetts | 3.64 | 11 |
| Michigan | 3.72 | 8 |
| Minnesota | 3.71 | 8 |
| Mississippi | 4.05 | 4 |
| Missouri | 3.99 | 7 |
| Montana | 3.97 | 5 |
| Nebraska | 3.49 | 11 |
| Nevada | 3.91 | 9 |
| New Hampshire | 3.72 | 10 |
| New Jersey | 3.82 | 9 |
| New Mexico | 4.04 | 7 |
| New York | 3.95 | 9 |
| North Carolina | 3.95 | 10 |
| North Dakota | 3.57 | 8 |
| Ohio | 3.52 | 11 |
| Oklahoma | 3.84 | 8 |
| Oregon | 4.31 | 6 |
| Pennsylvania | 4.15 | 7 |
| Rhode Island | 3.83 | 6 |
| South Carolina | 4.10 | 8 |
| South Dakota | 3.94 | 5 |
| Tennessee | 3.49 | 11 |
| Texas | 3.83 | 9 |
| Utah | 4.20 | 6 |
| Vermont | 3.85 | 9 |
| Virginia | 4.08 | 9 |
| Washington | 3.72 | 10 |
| West Virginia | 3.47 | 7 |
| Wisconsin | 3.62 | 10 |
| Wyoming | 3.61 | 5 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
Allstate Car Insurance vs. Competitors
Here's how Allstate car insurance rates compare to other major national insurers:
Allstate vs. GEICO | 3.78 vs. 4.34 | GEICO beats Allstate primarily on affordability, despite Allstate's better coverage options. |
Allstate vs. State Farm | 3.78 vs. 4.15 | State Farm wins on both affordability and customer service, even with fewer coverage options than Allstate. |
Allstate vs. AAA | 3.78 vs. 3.74 | AAA and Allstate score similarly on affordability and customer service, but Allstate's superior coverage makes it the better choice. |
Allstate vs. Progressive | 3.78 vs. 4.2 | Progressive offers better rates and customer service, making it the stronger option over Allstate. |
Allstate vs. USAA | 3.78 vs. 4.86 | For military members, USAA outperforms Allstate in affordability, customer service and coverage options. |
Allstate vs. Travelers | 3.78 vs. 4.5 | Travelers wins with better rates and customer reputation, despite having fewer coverage options than Allstate. |
Allstate vs. Farmers | 3.78 vs. 3.86 | While similar on rates and customer service, Farmers offers the best coverage options in our study, edging out Allstate. |
How Much Does Allstate Car Insurance Cost?
Allstate car insurance costs vary based on your profile, ranging from $83 to $1,436 monthly. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $166 | $1,992 | 33% | 14 |
Allstate Car Insurance Rates by Driver Category
Allstate is much more expensive for most drivers, including adults, seniors and those with accidents, tickets or bad credit. You can review how affordable Allstate is for your specific driving category below to compare against other cheapest car insurance companies.
| Adult Drivers | $81 | $161 | 33% | 14 |
| Young Drivers | $176 | $363 | 20% | 10 |
| Senior Drivers | $110 | $207 | 37% | 14 |
| Drivers With An Accident | $116 | $235 | 31% | 12 |
| Drivers With A DUI | $134 | $272 | 24% | 10 |
| Drivers With A Speeding Ticket | $95 | $191 | 24% | 13 |
| Drivers With Bad Credit | $146 | $314 | 2% | 12 |
| Drivers With Low Income | $110 | $236 | 28% | 15 |
| Adult Drivers | $81 | $163 | 32% | 14 |
| Drivers With Newer Cars | $93 | $189 | 30% | 13 |
| Drivers With Old Cars | $75 | $152 | 37% | 14 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Allstate Car Insurance Rates by State
Allstate's monthly rates vary from $28 to $561 across states. The company ranks among the top five most affordable insurers in just two out of 51 states and territories. See Allstate's affordability and pricing in your area below.
| Alabama | $74 | $137 | 34% | 10 |
| Alaska | $45 | $120 | 9% | 4 |
| Arizona | $73 | $162 | 16% | 9 |
| Arkansas | $78 | $156 | 46% | 11 |
| California | $81 | $141 | -3% | 6 |
| Colorado | $104 | $191 | 45% | 10 |
| Connecticut | $87 | $172 | 13% | 6 |
| Delaware | $168 | $264 | 52% | 11 |
| District of Columbia | $129 | $226 | 40% | 6 |
| Florida | $146 | $379 | 53% | 11 |
| Georgia | $97 | $158 | 20% | 10 |
| Hawaii | $41 | $104 | 25% | 6 |
| Idaho | $59 | $103 | 41% | 10 |
| Illinois | $65 | $145 | 41% | 11 |
| Indiana | $69 | $122 | 54% | 12 |
| Iowa | $57 | $137 | 50% | 10 |
| Kansas | $72 | $156 | 42% | 11 |
| Kentucky | $107 | $201 | 48% | 11 |
| Louisiana | $209 | $561 | 130% | 9 |
| Maine | $52 | $96 | 31% | 12 |
| Maryland | $142 | $232 | 59% | 12 |
| Massachusetts | $62 | $137 | 39% | 11 |
| Michigan | $77 | $181 | 28% | 10 |
| Minnesota | $56 | $125 | 18% | 9 |
| Mississippi | $63 | $122 | 3% | 5 |
| Missouri | $77 | $156 | 25% | 9 |
| Montana | $62 | $133 | 25% | 8 |
| Nebraska | $67 | $144 | 42% | 11 |
| Nevada | $111 | $195 | 32% | 10 |
| New Hampshire | $68 | $114 | 45% | 11 |
| New Jersey | $128 | $212 | 19% | 9 |
| New Mexico | $72 | $136 | 25% | 8 |
| New York | $83 | $151 | 28% | 8 |
| North Carolina | $66 | $165 | 48% | 11 |
| North Dakota | $67 | $122 | 46% | 9 |
| Ohio | $56 | $99 | 26% | 11 |
| Oklahoma | $91 | $177 | 45% | 10 |
| Oregon | $73 | $125 | 15% | 10 |
| Pennsylvania | $69 | $121 | 15% | 9 |
| Rhode Island | $69 | $135 | 4% | 7 |
| South Carolina | $70 | $145 | 10% | 9 |
| South Dakota | $49 | $94 | 4% | 7 |
| Tennessee | $67 | $137 | 36% | 11 |
| Texas | $93 | $220 | 45% | 11 |
| Utah | $78 | $135 | 10% | 8 |
| Vermont | $28 | $87 | 9% | 8 |
| Virginia | $55 | $110 | 10% | 10 |
| Washington | $84 | $142 | 42% | 12 |
| West Virginia | $76 | $142 | 33% | 6 |
| Wisconsin | $63 | $115 | 46% | 11 |
| Wyoming | $55 | $130 | 73% | 6 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Allstate Car Insurance Discounts
Allstate offers 12 car insurance discounts, with average savings of up to 25% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Up to 25% | Must bundle auto with home or renters insurance | Available nationwide |
Multi-Car | Variable | 2+ vehicles on policy at same address | Available nationwide |
Smart Student | Variable | Students under 25, unmarried, full-time enrollment with 2.7+ GPA (B- average) OR 100+ miles from home with no car at school OR complete teenSMART program | Available nationwide |
New Car | Variable | First owner of vehicle that's current model year or one year prior | Available nationwide |
Drivewise Telematics | Up to 40% enrollment, 20-25% realistic | Download mobile app, allow tracking of driving habits including speed, braking, phone use, time of day | Available nationwide |
Safe Driving Bonus | Variable | Earn bonus every 6 months without an accident | Available nationwide |
Deductible Rewards | $100/year | $100 credit toward collision deductible for each accident-free year, up to $500 total | Available nationwide |
Anti-Lock Brakes | Variable | Vehicle equipped with ABS | Available nationwide |
EZ Pay Plan | Variable | Set up automatic payments from checking account or credit/debit card | Available nationwide |
Allstate eSmart | Variable | Sign up for paperless policy documents | Available nationwide |
Early Signing | Variable | Sign policy at least 7 days before effective date | Available nationwide |
FullPay | Variable | Pay 6-month premium in advance | Available nationwide |
Allstate Car Insurance Customer Reviews and Reputation
Allstate ranks 10th for overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight the company's strong agent service and user-friendly digital tools, though claims handling generates more complaints than other areas.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
Allstate offers multiple purchasing paths through local agents, online quotes or phone sales. The digital quote process is straightforward, though some customers prefer the personal touch of working with a local agent for coverage explanations. Agent availability varies by location, and some customers report longer wait times during peak periods. The company's "Good Hands" brand emphasizes personalized service throughout the buying process.
Policy Management
The Allstate mobile app and website provide comprehensive policy management tools, including payment processing, coverage adjustments and document access. Customers appreciate the ability to view ID cards instantly and track claims progress. However, some report that major policy changes still require agent assistance, which can slow down the process. The digital tools work well for routine tasks like payments and basic information updates.
Claims Experience
Allstate's claims process combines digital convenience with personal support options. Customers can file claims through the mobile app, which includes photo submission and damage assessment tools. The company's network of repair shops offers guaranteed work, though customers aren't required to use them. Some policyholders report mixed experiences with claims adjusters, with resolution times varying significantly based on claim complexity and local office efficiency.
Allstate Car Insurance Industry Customer Satisfaction Ratings
Allstate ranks well for financial strength from all industry rating agencies, as well as scoring well in most J.D. Power studies. Here are Allstate's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | AA | AAA to D | High credit quality |
S&P Global Financial Strength | A- | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | A3 | Aaa to C | Upper-medium grade with moderate credit risk |
J.D. Power Auto Claims Satisfaction | 691/1,000 | 1,000-point scale | Below average (industry average: 697) |
J.D. Power Digital Service Experience | 705/1,000 | 1,000-point scale | Slightly above segment average (699) |
J.D. Power Auto Insurance Shopping Study | 669/1,000 (9th of 17) | Out of 1,000 | 9th out of 17 companies with a better than average experience |
J.D. Power Overal Customer Satisfaction | 660/1,000 | Out of 1,000 | Tied for #1 in Florida region, generally ranks in upper-middle tier nationally |
NAIC Auto Complaints | 2.45 | 1.00 is average | Receives more complaints than expected based on market share |
Allstate Car Insurance Reddit and Forum Customer Satisfaction
Allstate customers on Reddit and online forums appreciate the company's widespread agent network, brand recognition, and comprehensive coverage options, valuing the personal touch of local agents and features like Drivewise.
Common complaints focus on aggressive rate increases, inconsistent claim handling experiences, and pushy sales tactics from some agents prioritizing upselling over customer needs.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Initial rates are competitive, but customers consistently report significant increases over time, often without clear explanations:
"Started with Allstate three years ago with great rates. Now I'm paying 40% more despite zero claims and a clean record. When I asked why, they basically said 'market conditions' and offered to review my discounts."
Claims Processing
Mixed experiences with claims, heavily dependent on local adjusters and specific circumstances:
"My fender bender claim was handled professionally; the adjuster came out the same day, a fair settlement, and the check arrived in a week. But my neighbor had a nightmare with the same office over a hail damage claim that took months."
Customer Service
Agent availability varies dramatically by location, with some offices providing excellent service while others feel impersonal:
"Love my local Allstate agent. She actually remembers my family and explains everything clearly. But try calling the 1-800 number and you'll be on hold forever talking to someone reading from a script."
Digital Experience
The Allstate mobile app earns solid ratings with 4.8 out of 5 on the Apple App Store and 4.1 out of 5 on Google Play. Customers praise basic functions but note limitations with more complex tasks:
"Allstate's app works great for paying bills and checking my policy details. ID cards are always accessible, which is nice. But don't try to file a claim through it; you'll end up calling anyway."
Trust and Reputation
Brand recognition provides comfort, but recent experiences have some customers questioning their loyalty:
"Allstate's been around forever and I trust the name, but they've gotten more corporate and less personal. Feels like they know I won't shop around because of the hassle, so they take advantage."
Coverage Options
Extensive add-on options available, though some customers feel overwhelmed by choices and sales pressure:
"Allstate offers every coverage you can think of, which is great in theory. Problem is my agent keeps pushing expensive add-ons I probably don't need. Hard to know what's actually worth buying versus what's just profit padding."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Allstate Car Insurance Coverage Options
Allstate provides standard coverages like other major insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Deductible Rewards | Reduces your collision or comprehensive deductible by $100 for each year of accident-free driving | Can reduce deductible to $0; resets after filing a claim; included at no extra cost |
New Car Replacement | Pays full MSRP for a brand new car of the same make and model if your vehicle is totaled within the first two years | Available for cars up to 2 years old; no depreciation deduction; includes tax and title |
Roadside Assistance | Towing, jump-starts, lockout service, flat tire changes, fuel delivery | 24/7 service; $25 per year per vehicle; available nationwide |
Roadside Advantage | Enhanced roadside services plus trip interruption coverage for breakdowns over 100 miles from home | Trip interruption up to $1,500; tire repair/replacement benefit up to $100; works in any vehicle you drive |
Fills coverage gaps when driving for Uber, Lyft, or other rideshare services | $15-$20 per year; deductible gap coverage up to $2,500; available in most states | |
Pays for rental car while your vehicle is being repaired after a covered claim | Daily limits from $30-$100; coverage periods up to 30 days | |
Sound System Coverage | Covers aftermarket stereos, speakers, and audio equipment | Custom coverage limits available; protects against theft and damage |
Personal Effects Coverage | Covers personal belongings stolen from your vehicle | Covers items like laptops, phones, and clothing; separate deductible may apply |
Other Allstate Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy on their own:
Who Offers It? | Insurance Products |
|---|---|
Allstate (Directly Offered) | Auto Insurance, home Insurance, renters insurance, condo insurance, motorcycle insurance, RV insurance, boat insurance, commercial auto insurance, business owner's policy, general liability insurance, umbrella insurance, term life insurance, whole life insurance, universal life insurance, variable universal life insurance |
Third-Party Partner | Pet insurance, travel insurance, identity theft protection, health insurance, dental insurance, vision insurance, critical illness insurance, accident insurance, short-term medical insurance, device protection plans |
Allstate Auto Insurance Review: Bottom Line
Allstate excels in affordability, customer experience and coverage, making it a strong car insurance choice. It ranks 10th overall for full coverage and 11th for minimum coverage.
Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
Allstate Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about Allstate car insurance:
Does Allstate insurance have a good reputation?
Yes, Allstate is a legitimate car insurance company that ranks 12th in our comprehensive car insurance provider study. The insurer excels in coverage options, ranking third among all providers we evaluated.
Where is Allstate the best car insurance company?
Allstate doesn't rank as the best car insurance company in any of the 50 states according to our study.
How much does Allstate car insurance cost on average?
Allstate's average annual cost for adults is $1,011 for state minimum and $2,000 for full coverage. Allstate's rates range from $997 to $6,787 for minimum and $1,992 to $15,088 for full coverage.
Is Allstate known for denying claims?
Customer complaints and industry reports suggest Allstate faces criticism for claim denial practices, with policyholders citing delayed processing, excessive documentation requirements and disputes over coverage interpretations that result in rejected claims.
Note: This represents limited information based primarily on forum reviews.
Is Allstate a good option for high-risk drivers?
Allstate isn't ideal for most high-risk drivers, ranking 10th for drivers with DUIs and young drivers, making it less affordable than many competitors.
Does Allstate raise car insurance rates over time?
Yes, Allstate raises car insurance rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus individual risk factors.
Is Allstate good for young drivers?
Yes, Allstate tends to increase rates over time. For young drivers specifically, Allstate ranks 10th for overall affordability, making it a pretty good option despite higher premiums.
How We Rated Allstate Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "Allstate Ratings and Reviews." Accessed September 18, 2025.
- Google Play. "Allstate - Apps on Google Play." Accessed September 18, 2025.