Allstate Auto Insurance Review: Quotes and Service (2022)

Allstate has a below-average MoneyGeek rating, scoring 66 out of 100. Allstate scores well in customer satisfaction and complaints but has below-average ratings for affordability and discounts. Allstate is moderately priced for most drivers but is relatively cheap for teen drivers. Custom parts coverage is one of the unique add-ons you can get from Allstate.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 10/25/2022
Written By     |  
Allstate_bjwx7r.jpg
iconribbonscore66

2/5

discounts

4.5/5

complaints

3/5

satisfaction

4.5/5

stability

2.4/5

affordability


pros

This is an iconCheap for young drivers
This is an iconOffers custom parts and sound system coverage
This is an iconAvailable in 50 states and Washington, D.C.

cons

This is an iconDoes not offer common discounts like multiple car or defensive driving
This is an iconNo better car replacement coverage

Verdict

Allstate has an above-average complaint rating and average customer satisfaction score. For most drivers, Allstate is neither cheap nor expensive, but it has some of the cheapest rates available for teen drivers.

MoneyGeek’s resources on the cheapest car insurance companies and the best car insurance companies can give you more information on Allstate and other insurers. You can also use our auto insurance company comparison tool to compare Allstate to other major insurers.

How Does Allstate Rank for Customer Service?

Allstate ranks eighth on MoneyGeek’s list of the best car insurance companies with a score of 82 out of 100 points. MoneyGeek incorporated ratings and reviews from industry standards like the NAIC, AM Best and J.D. Power for its ranking. Allstate is a great choice for teen drivers as it offers a range of discounts for this group.

Customer Satisfaction Rating

First Notice of Loss:
4/5
Estimation of Process:
4/5
Repair Process:
4/5
Claims Servicing:
4/5
Rental Experience:
5/5
Settlement:
4/5

According to data from J.D. Power, Allstate received a customer satisfaction score of 829 out of 1,000. The industry average is 835, so Allstate's ranking is roughly equivalent to the typical auto insurance company. J.D. Power's rankings also influenced these category-specific star ratings.

Customer Complaint Ratio

Allstate

As per the National Association of Insurance Commissioners (NAIC) complaint ratio report, Allstate’s score is 1.88. The national median is 1.00, which indicates that Allstate has a higher number of complaints than an average company.

Allstate Auto Insurance Quotes: How Much Does it Cost?

MoneyGeek obtained average quotes from Allstate for sample drivers in every state. Data from the 50 states and Washington, D.C., where Allstate offers policies, indicates that the average annual cost is $1,351. Compared to other insurers, Allstate is moderately priced.

Allstate is neither cheap nor expensive for most drivers, including those buying full coverage, minimum coverage, and a driver with a speeding ticket. For young drivers, Allstate’s auto insurance rates are relatively inexpensive.

Price is important when buying car insurance, but customer satisfaction, complaints and other factors matter when choosing an auto insurance company. It is important to compare quotes to identify the most affordable car insurer for your profile and needs.

Average Annual Cost of Car Insurance with Allstate versus National Average

Scroll for more

swipe icon
  • Driver Type
    Allstate Average Rate
    National Average
  • Full Coverage
    $1,351
    $1,379
  • Minimum Coverage
    $735
    $728
  • Speeding Ticket on Record
    $1,652
    $1,767
  • 18-Year-Old Driver
    $3,916
    $4,866

Is Allstate Car Insurance Expensive or Cheap? Why?

If you are a teen driver, Allstate offers inexpensive auto insurance rates. Drivers looking for full coverage or minimum coverage will find that Allstate’s rates are neither cheap nor expensive. Allstate is also moderately priced for drivers with a traffic violation.

Although insurance company rating calculations aren’t transparent, most companies charge higher rates for driving violations and when a young, inexperienced driver. However, Allstate offers fairly priced insurance after a speeding ticket and a cheap rate for young drivers.

Loading...

Discounts Offered by Allstate That Can Help You Save

Allstate offers most of the common car insurance discounts, which can make your auto policy even more affordable. Discounts you can get with Allstate include bundling, good student, safe driving, anti-theft system, paperless, airbag and pay in full. However, Allstate does not offer discounts for insuring multiple cars or defensive driving.

Allstate policyholders can also take advantage of unique discounts like the early signing discount for getting a policy at least seven days before your required start date and a responsible payment discount if you have not received any cancellation notices for non-payment in the past year.

Compare Allstate Directly With Other Car Insurance Companies

MoneyGeek’s resources can help you compare Allstate to other major insurance companies in your state. With MoneyGeek’s comparison tool, you can find out how Allstate performs in terms of cost, coverage options and customer service. MoneyGeek’s comparison tool also gives you access to more resources that will help you to compare insurers.

Company Comparison

Alabama
Best Service

Choose Company...
VS.
Choose Company...

Does Allstate Offer Broad or Unique Coverage?

Allstate offers the standard auto insurance coverages such as liability insurance, comprehensive and collision insurance. Allstate policies can also include many common add-on coverages like roadside assistance, rental car reimbursement, accident forgiveness, new car replacement, gap insurance and deductible modification. Allstate does not have better car replacement coverage, but rideshare insurance is available.

Allstate also offers unique coverage options, including portable electronics and media coverage, which covers you for lost media such as compact discs and tapes, and sound-system coverage. You can also opt for custom parts coverage to protect any customized parts or equipment in your vehicle, such as special carpeting, bars, decals or graphics.

What Online Auto Insurance Tools Does Allstate Offer?

Allstate offers a wide range of innovative coverage features and online tools. On its website, you can access a section named “Bumper-to-Bumper Basics,” which is an interactive online guide to car insurance. You should ideally shop for car insurance quotes from multiple carriers to get the best coverage at an affordable rate.

Allstate offers helpful features on its website such as a rate calculator, mobile app, bill payment and claim reporting.

  • Type of Feature
    Description
  • Calculators
    Allstate offers a car payment calculator on its website that shows the premium amount you need to pay monthly.
  • Online Price Quotes
    You can set your location by entering your ZIP code to get a quick quote online.
  • Online Bill Pay
    You can create an online account and pay your bills on Allstate’s website.
  • Online Claims
    You can file and track your claim online.
  • Payment Options
    You can select from an array of payment options and pay your bill online.

Other Allstate Insurance Products

You can bundle different Allstate policies to get discounts. For instance, Allstate is ranked third in our cheapest home and auto insurance list. In addition to the cash savings, some customers appreciate the heightened convenience they experience by purchasing several insurance products from the same company.

  • Type of Product
    Description
  • Homeowners Insurance
    Allstate’s homeowners insurance grants access to a local agent, money-saving discounts and innovative tools.
  • Renters Insurance
    Get dependable coverage for the possessions in your rental unit at an affordable cost.
  • Condo Insurance
    Covered perils include water damage, vandalism, fire, smoke and theft.
  • Flood Insurance
    You can buy a government-sponsored National Flood Insurance Program (NFIP) policy through an Allstate agent.
  • Life Insurance
    Allstate offers plans such as term life insurance, universal life insurance, whole life insurance and variable universal life insurance.

Financial Strength

According to AM Best, Allstate has an A+ (superior) financial strength rating. This rating opinion only indicates a provider’s ability to meet payment obligations and should not be considered a measure of an insurer’s overall financial strength.

Loading...

How to Make a Car Insurance Claim With Allstate

You can file your claim through your agent during normal business hours, file and track it through Allstate’s 24/7 toll-free phone service or use their mobile app or online portal. After receiving your claim, Allstate will perform a damage assessment and provide you with a repair estimate. You can then review the estimate and get your claim paid.

Contact Allstate Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources