Allstate auto insurance review: Is it worth it? | finder.com
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Allstate car insurance review 2021

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Comprehensive protection with more perks and benefits than most, plus personalized support.

finder.com's rating: 4.5 / 5

★★★★★

  • Get a quote if you want good rates for better protection.
  • Pick something else if you want a no-frills basic policy.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Included free
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months, Monthly
Claims methods Online, Phone
Rideshare coverage Yes
SR-22 support Yes

Pros

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent

Cons

  • No discounts for homeowners, military, online quote or multiple cars
  • Customer service is ranked average
Anti-theft device discount Yes
Bundling discount Up to 10%
Defensive driving discount Up to 10%
Good student discount Up to 20%, under 25
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount Yes
Usage-based discount Yes - up to 20% cash back
Other discounts Economy car – Up to 10%

Expert review

Roslyn McKenna

Review by


Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

With a broad range of coverage options, ways to save and features built for customer convenience, Allstate has earned its place among the top insurance providers. You’ll find some of the best perks in the industry, especially for luxury cars.

On the downside, its high rates and middle-ground customer service could disappoint you.

Overall, this insurer works best if you take advantage of its many discounts and redeemable rewards through the safe driver program. Otherwise, you’ll probably find cheaper rates from a different insurer.

Best of 2020
Finder experts pick Allstate as a 2020 best brand for car insurance.

How to get a quote for Allstate car insurance

Allstate’s initial application process takes a few minutes to complete online. Then expect a call from an Allstate representative to walk you through any policy specifics.

  1. Go to Allstate’s website, or call an agent. Start online or call an agent at 877-810-2920.
  2. Enter your personal information. Provide details like your name, address and birth date.
  3. Enter your vehicle info. Provide necessary information about your vehicle, such as its make, model and year of manufacture.

What info do I need to apply?

When you begin your application, have the following documentation available:

  • Basic contact information for any drivers
  • Basic information about the cars, including make, model and year
  • Special features or aftermarket equipment installed like antitheft devices
  • Allstate may access your driving records, past insurer, insurance claim and credit history to design an auto insurance quote.

What discounts can I get with Allstate?

Save by taking advantage of several Allstate discounts.

  • Autopay. Save up to 5% when you set up automatic withdrawal for paying your premium.
  • Early signing. Save up to 10% when you sign your policy seven days before it becomes effective.
  • Loyalty. Save up to 7% for sticking with Allstate for several years.
  • Multipolicy. Bundle your car insurance with a homeowner’s policy for more savings.
  • New car. Save up to 15% if your car is this or last year’s model and you’re its first owner.
  • Paid in full. Save up to 10% when you pay your policy all at once.
  • Paperless. Save up to 10% if you sign up for online statements, documents and policy information.
  • Responsible payer. Save up to 5% if you pay all your insurance premiums on time.
  • Safe Driving Club. You can save if your driving history meets the Safe Driving Club requirements, like having no accidents within a set time.
  • Safety features. Save up to 10% if your car has antilock brakes or an antitheft device.
  • Smart student. Qualify if your young driver makes the grade requirements.

How does Allstate Drivewise work?

Allstate Drivewise is a telematics car insurance program that tracks your driving through the Allstate app to reward and encourage safety. You’ll get a driving score that you can improve over time, and potentially receive cashback every six months.

Allstate claims that you can save 40% or more, based on your safe driving skills like your speed, braking and the time of day you drive.

What car insurance coverage does Allstate offer?

Compare policies with simple liability coverage or expand your policy to include extras like rental reimbursements or roadside assistance.

  • Collision
  • Comprehensive
  • Liability insurance
  • Medical payments
  • Personal injury
  • Property damage
  • Rental car reimbursement
  • Rideshare insurance
  • Roadside assistance
  • Uninsured and underinsured motorists

What extra benefits and add-ons does Allstate offer?

Keep an eye out for these extras to determine if they could benefit you and your policy:

  • Accident forgiveness. If you add this program, Allstate will waive rate surcharges for the first accident after staying claim-free for a set time.
  • Safe driver rewards program. Allstate Rewards lets you earn points for safe driving that you can trade for gift cards and merchandise.
  • Pay per mile insurance. Best for low-mileage drivers, Allstate Milewise is its own policy that lets you pay for car insurance by the mile.

Allstate car insurance reviews and complaints

Allstate is rated slightly above average for customer satisfaction. Allstate has an A+ rating from the Better Business Bureau (BBB) as of February 2021.

Online reviews show that customers like the coverage options available, helping new customers choose a policy based on cost or coverage levels. However, customers have filed over 1,350 BBB complaints since 2018, citing delayed claims, improper billing and canceled policies on renewal.

However, large companies often see this many complaints, and many customers only leave reviews if they have a negative experience. Other comparison sites like NerdWallet and The Zebra call out Allstate’s positive reviews and solid coverage.

Compare Allstate to competitors

See how Allstate’s discounts, perks and coverage fare compared to other car insurance companies. Tap the Compare box to look at companies side by side.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Compare up to 4 providers

Allstate car insurance rates

Allstate offers some of the most reasonable rates for drivers in many states, at roughly half the national average for liability-only insurance in Texas.

Compare sample Allstate quotes for different driver profiles and locations. Your insurance rates will vary based on your driver profile.

CaliforniaNew YorkTexas
18 year old man$118$157$67
18 year old woman$108$152$53
25 year old man$47$69$39
25 year old woman$46$69$21
35 year old man$33$53$20
35 year old woman$33$60$20
45 year old man$32$53$20
45 year old woman$32$60$20
56 year old man$29$53$18
56 year old woman$29$55$18

How to find Allstate insurance agents near me

Allstate serves customers with over 10,000 local agents. Use the agent locator to find one near you.

Allstate agent locator

  1. On the Allstate website, go to Find an agent from the main navigation.
  2. Enter your ZIP code and view agents by map or list.
  3. Using the contact information listed, call, email or visit your preferred agent.

How does Allstate bundling work?

Allstate lets you bundle home and auto insurance for up to 10% off your car and 25% off home insurance. But it doesn’t offer as many discounts as its competitors for bundling other policies. Policies that Allstate offers:

  • ATVs and snowmobiles
  • Identity theft
  • Pet
  • Events
  • Business
  • Landlord
Ready to get insured?
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Need help? Talk to a customer specialist

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