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Allstate Auto Insurance Review: Quotes and Service (2024)


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ByMark Fitzpatrick
ByMark Fitzpatrick

Updated: December 28, 2023

Advertising & Editorial Disclosure

MoneyGeek Logo IconBadge ribbonscore66

2/5

discounts

4.5/5

complaints

3/5

satisfaction

4.5/5

stability

2.4/5

affordability


pros

checkmarkCheap for young drivers
checkmarkOffers custom parts and sound system coverage
checkmarkAvailable in 50 states and Washington, D.C.

cons

closeDoes not offer common discounts like multiple car or defensive driving
closeNo 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

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

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  • 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.

Compare Auto Insurance Rates

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

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.

Car Insurance Comparison Tool

Compare your personalized insurance options side by side, in 3 simple steps

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Note: The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.

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
  • 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.
  • Mobile App
    Allstate offers a robust mobile app for fast and easy claim filing.

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.

Compare Auto Insurance Rates

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

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 Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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