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 8, 2026
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.
Want to hear from actual customers instead of our analysis? We gathered reviews from policyholders across multiple platforms. Read More.
Allstate Car Insurance Ratings
| Overall Score | 3.77 | 12 |
| Customer Experience | 4.25 | 10 |
| Coverage | 4.24 | 3 |
| Affordability | 3.46 | 15 |
Allstate Car Insurance Reviews from MoneyGeek Users and Policyholders
Real customer experiences show patterns raw data can't capture. We analyzed feedback from Allstate policyholders to see how the company performs when drivers actually need coverage. Customers praise Drivewise app discounts, Deductible Rewards programs and quick accident response times. Complaints center on disputed aftermarket parts, hard-to-reach local agents and rate increases after renewal.
MoneyGeek users (usernames anonymized) said this about their Allstate car insurance experiences:
★★★★★ (5 stars) | Posted by TealHonda95 "30 years with Allstate and they came through when I needed them. Filed a claim last month, and my agent Jordie was super helpful. Process was smooth and fast. Love the Deductible Rewards since I haven't filed many claims over the years. Happy customer for life." |
★★★★ (4 stars) | Posted by SuburbanDad2010 "My agent Julie bundled home and auto for me and saved me a lot. The app glitches sometimes and Drivewise kills my phone battery, but I'm happy with coverage and service overall. Three years with them now and no real complaints." |
★★★★★ (5 stars) | Posted by NightShiftNurse "Pipe burst in my house and an uninsured driver hit my car the same month. Allstate handled both claims with no hassle. Adjusters responded fast and I got my payouts quick. My premiums are reasonable and I feel like they've got my back when things go wrong." |
★★★★★ (5 stars) | Posted by BundleSavings2024 "Switched to Allstate and bundled home and auto. Save over $800 yearly compared to what I paid before. My agent walks me through everything and I actually understand my coverage now." |
★★★★★ (5 stars) | Posted by AccidentForgiveness "Experienced my fist accident in 15 years and Allstate didn't raise my rates because of accident forgiveness. Can't believe other companies would penalize me for one mistake after 15 years of safe driving." |
★★★★★ (5 stars) | Posted by LocalAgentAccess "Love walking into a local Allstate office when I have questions. My agent knows me by name and always makes time to review my policy when life changes."" |
★★★★☆ (4 stars) | Posted by DigitalToolsUser "The mobile app makes everything easy. I can access my insurance cards, make payments and file claims right from my phone. Had one small glitch but customer service fixed it fast." |
★★★★☆ (4 stars) | Posted by MultiCarDiscount "I'm insuring three cars with Allstate and the multi-car discount is legit. Rates are reasonable and I've never had issues with claims when my teenage driver had a fender bender." |
★★★★☆ (4 stars) | Posted by DeductibleRewards "Drivewise actually dropped my premium. I drive carefully anyway so it was easy to save an extra $200 yearly by letting them track my safe driving." |
★★★★☆ (4 stars) | Posted by ClaimProcessSmooth "Filed a comprehensive claim for hail damage and Allstate handled it professionally. Got my check in two weeks and they recommended a good body shop. Zero complaints." |
★★ (2 stars) | Posted by LexusDriver2025 "Got rear-ended and Allstate wanted aftermarket parts on my brand new Lexus. I pushed back hard because I'm not putting knockoff parts on a car I'm still paying for. Took weeks of fighting to get them to agree to OEM parts. Super frustrating for what should've been simple." |
★ (1 star) | Posted by FrustratedPolicyholder88 "My agent's been completely unresponsive for two weeks. I've called, emailed and even stopped by the office. Can't get anyone to help with a simple policy question. Pay good money for insurance and can't get basic customer service. Looking at other companies." |
★★ (2 stars) | Posted by RedditRefugee2024 "I wasn't at fault but Allstate fought me on the claim anyway. Took three months to resolve and I paid $1,000 out of pocket that I'm still waiting to get back. Customer service kept giving me the runaround. Really disappointed with how they handled this." |
★★☆☆☆ (2 stars) | Posted by YearlyIncrease "My rates go up every year even though I haven't filed a claim in five years. Asked why and got some vague explanation about market conditions. Shopping around now." |
★★☆☆☆ (2 stars) | Posted by TotalLossLowball "Car was totaled and Allstate's offer was $3,000 below comparable vehicles I found online. Had to fight for weeks and get three independent appraisals before they came up to a fair amount." |
★★☆☆☆ (2 stars) | Posted by PreferredShopPressure "They push hard to use their preferred body shops. When I wanted my own mechanic they made the process way harder and said the repairs wouldn't be guaranteed." |
★☆☆☆☆ (1 star) | Posted by ClaimDenialShock "Filed a legit water damage claim and Allstate denied it saying it wasn't covered. My agent never explained the exclusions when I bought the policy. Had to pay $8,000 out of pocket." |
★☆☆☆☆ (1 star) | Posted by CustomerServiceLoop "Trying to get someone from Allstate to call me back for three weeks about my claim. Leave messages, send emails? Nothing. Finally filed a complaint with my state insurance department." |
★☆☆☆☆ (1 star) | Posted by CancelledWithoutNotice "They cancelled my policy for non-payment but I never got notice. Turns out they sent it to an old address even though I updated my info online six months ago. Now I'm high-risk." |
★☆☆☆☆ (1 star) | Posted by PremiumDoubled "Allstate doubled my premium at renewal after I filed one not-at-fault claim. The other driver hit me while I was parked and somehow I'm the one penalized. Switching companies now." |
Allstate Car Insurance Reddit and Forum Customer Satisfaction
Allstate customers on Reddit and online forums like the widespread agent network, brand recognition and comprehensive coverage options. They value the personal touch of local agents and features like Drivewise.
Common complaints: aggressive rate increases, inconsistent claim handling and pushy sales tactics from agents who prioritize upselling over customer needs.
Real customers say this on forums:
Rates start out competitive, but plenty of customers say theirs climbed a lot over time without much explanation:
"Three years in with Allstate, and my rate's jumped 40% even with zero claims and a spotless record. I asked for an explanation and got 'market conditions' as the answer, plus an offer to look over my discounts."
Claims experiences vary a lot, depending mostly on the local adjuster and the specifics of each case:
"When I had a fender bender, the adjuster showed up the same day, settled fair and I had a check within a week. My neighbor wasn't so lucky. Same office, but their hail damage claim dragged on for months."
How available agents are depends heavily on location. Some offices give excellent service; others feel impersonal:
"My local Allstate agent is great. She knows my family and actually explains things clearly. Call the 1-800 number instead and you're stuck on hold forever listening to someone recite a script."
The Allstate mobile app holds a 4.8 out of 5 on the Apple App Store and a 4.1 out of 5 on Google Play. Basic functions get praised, but customers point to limitations once tasks get more complex:
"Paying bills and checking policy details is easy through Allstate's app, and having ID cards on hand at all times is a nice touch. Filing a claim through it is a different story. You'll end up calling anyway."
The Allstate name brings some comfort, but recent experiences have pushed some customers to question their loyalty:
"The Allstate name goes back forever, and I trust it, but the company feels more corporate and less personal these days. It's like they're counting on the hassle of switching to keep me from shopping around, and taking advantage of that."
A wide range of add-on options is available, but some customers feel overwhelmed by the choices and the sales pressure that comes with them:
"Every coverage type you can imagine is available through Allstate, which sounds great in theory. In practice, my agent keeps pushing pricey add-ons I probably don't need. Figuring out what's actually useful versus what's just padding their profit is the hard part."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't show 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.
Who Is Allstate Car Insurance Best and Worst For?
Allstate works best for drivers who want comprehensive coverage options, extensive add-on protection, strong local agent support and multiple policy bundling for families. Budget drivers and those who want bare-minimum coverage should look elsewhere.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.13 | 10 |
Allstate Car Insurance Ratings by State
Allstate ranks in the top five companies in six out of 51 states and territories nationwide. The company doesn't rank first in any state, which suggests limited market leadership despite national presence and brand recognition.
| Alabama | 3.89 | 9 |
| Alaska | 3.8 | 4 |
| Arizona | 4.08 | 7 |
| Arkansas | 3.81 | 9 |
| California | 3.96 | 6 |
| Colorado | 3.65 | 8 |
| Connecticut | 3.93 | 3 |
| Delaware | 3.85 | 9 |
| District of Columbia | 3.4 | 6 |
| Florida | 3.71 | 11 |
| Georgia | 3.99 | 7 |
| Hawaii | 3.76 | 6 |
| Idaho | 3.79 | 9 |
| Illinois | 3.69 | 10 |
| Indiana | 3.5 | 11 |
| Iowa | 3.55 | 9 |
| Kansas | 3.57 | 9 |
| Kentucky | 3.48 | 11 |
| Louisiana | 3.68 | 8 |
| Maine | 3.49 | 10 |
| Maryland | 3.49 | 10 |
| Massachusetts | 3.64 | 11 |
| Michigan | 3.72 | 8 |
| Minnesota | 3.71 | 8 |
| Mississippi | 4.05 | 4 |
| Missouri | 3.98 | 7 |
| Montana | 3.96 | 5 |
| Nebraska | 3.49 | 11 |
| Nevada | 3.91 | 9 |
| New Hampshire | 3.71 | 10 |
| New Jersey | 3.82 | 9 |
| New Mexico | 4.03 | 7 |
| New York | 3.95 | 9 |
| North Carolina | 3.95 | 10 |
| North Dakota | 3.57 | 8 |
| Ohio | 3.51 | 11 |
| Oklahoma | 3.84 | 8 |
| Oregon | 4.3 | 6 |
| Pennsylvania | 4.14 | 7 |
| Rhode Island | 3.82 | 6 |
| South Carolina | 4.1 | 8 |
| South Dakota | 3.94 | 5 |
| Tennessee | 3.48 | 11 |
| Texas | 3.82 | 9 |
| Utah | 4.19 | 6 |
| Vermont | 3.84 | 9 |
| Virginia | 4.08 | 9 |
| Washington | 3.71 | 10 |
| West Virginia | 3.47 | 7 |
| Wisconsin | 3.62 | 10 |
| Wyoming | 3.6 | 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. See the full Allstate vs State Farm comparison to find which fits your profile. |
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:
Adult Drivers
Male
Good
Clean
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
MoneyGeek's customer experience study ranks Allstate 10th overall for customer satisfaction. Reviews call out notable agent service and user-friendly digital tools, but claims handling draws more complaints than any other area.
The sections below detail buying, policy management and claims process experiences based on our research.
Buying Process ExperienceLocal agents, online quotes and phone sales all work as purchasing paths with Allstate. The digital quote process is straightforward, but some customers still prefer a local agent's personal touch for coverage explanations.
Agent availability varies by location, and some customers report longer wait times during peak periods. The company's "Good Hands" brand puts personalized service at the center of the buying process.
Policy ManagementAfter: The Allstate mobile app and website handle payment processing, coverage adjustments and document access. Customers appreciate viewing ID cards instantly and tracking claims progress.
Major policy changes still require agent assistance, which can slow the process down. The digital tools handle routine tasks like payments and basic information updates well.
Claims ExperienceAllstate'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 guarantees its work, and customers aren't required to use them. Some policyholders report mixed experiences with claims adjusters, with resolution times varying 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 Overall 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 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
Affordability, customer experience and coverage all land in Allstate's favor, and the rankings back it up: 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
Allstate is a legitimate car insurance company, and MoneyGeek's provider study ranks it 12th overall. Coverage options are where it excels most, ranking third among every provider evaluated.
None of the 50 states rank Allstate as the best car insurance company, according to MoneyGeek's study.
Allstate's average annual cost for adults is $1,011 for state minimum and $2,000 for full coverage. Rates range from $997 to $6,787 for minimum coverage and $1,992 to $15,088 for full coverage.
Customer complaints and industry reports point to criticism of Allstate's 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.
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.
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.
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 is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- Apple App Store. "Allstate Ratings and Reviews." Accessed September 14, 2026.
- Google Play. "Allstate - Apps on Google Play." Accessed September 14, 2026.