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Allstate car insurance review 2024

  • Roslyn McKenna's headshot
Finder score
Roadside assistance
New car protection
Accident forgiveness


Get access to wide protection and rewards programs to boot, but average customer service.'s rating: 4 / 5


  • Get a quote if you're comparing coverage for value or are into rewards programs.
  • Pick something else if you're looking for top-rated customer service.


  • Long list of perks and discounts

  • Get your own dedicated insurance agent


  • Lacks common discounts like homeowners and military

  • Customer service is ranked average

In this guide

  • Review
  • Details
    • Product details
    • Discounts
  • Your reviews
  • Ask a question


Product details

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


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%

This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

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What we think of Allstate car insurance

With a broad range of coverage options, ways to save and features built for customer convenience, Allstate has earned its place among the top insurers. 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. Customers complain about the claims process, and unhelpful customer service reps.

Overall, this insurer works best if you’re eligible for its many discounts and redeemable rewards through the safe driver program. But if you’re looking for top-rated customer service or cheaper rates, you’ll probably find better coverage elsewhere.'s rating: 4 / 5


CategoryOur ratingWhy we gave this score
Coverage★★★★★ 5/5Allstate offers a variety of coverage that goes beyond covering the basics, including options for accident forgiveness, rideshare insurance and roadside assistance.
Discounts★★★★★ 4.5/5It gives a suite of discounts to help you save on your premium, such as for bundling multiple policies or having an antitheft system.
Customer service★★★★★ 3.7/5The company gets high J.D. Power and Better Business Bureau scores, plus few complaints filed with the National Association of Insurance Commissioners (NAIC). However, its low Trustpilot ratings lowered its customer service score.
Financial strength★★★★★ 4.5/5It receives an A+ financial rating from AM Best, showing that it has strong finances to pay for claims.
Best of 2021
Finder experts pick Allstate as a 2021 best brand for car insurance.

Allstate car insurance rates

We pulled 2021 full-coverage car insurance rates using Allstate’s online quote tool for good drivers living in California with a clean driving record.


How to get a free quote from 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 the 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 vehicle information, 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. Start saving when you insure a new car or join its Safe Driving Club and Allstate Drivewise programs.

  • 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.
  • FullPay. Save up to 10% when you pay your policy all at once.
  • eSmart. Go paperless and save up to 10% when you get 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.

Our review of Allstate Drivewise

Allstate Drivewise is a telematics car insurance program, which tracks your driving through an app and rewards you with savings.

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In this case, you can earn a policy discount for using Drivewise, and a safe driving performance reward based on the telematics. Allstate claims you can save 40% or more when you add Drivewise onto your policy.

Since you access Drivewise through the main Allstate Mobile app, you can’t see how customers rate the telematics app specifically. For a general idea of its digital experience, Allstate Mobile receives a 3.2 out of 5 stars on Google Play and 4.8 out of 5 stars on the Apple Store.

You’ll want to review Allstate’s privacy policy since you’re giving Allstate access to your driving data. Allstate may use your data for setting premiums, reviewing trips for a claim, submitting it to insurance regulators or improving the company’s underwriting process.

How Drivewise rates your driving

Drivewise takes these key areas into account when tallying your rewards:

  • Braking — Limiting hard slow-downs and stops
  • Speed — Driving under 80 mph
  • Time of day — Avoiding nighttime driving

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.
  • Deductible rewards. Get $100 off your collision deductible after each year you stay accident-free, up to $500.
  • New car replacement. Get a check for a new car if you total your car within its first two model years.
  • 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.
  • Safe driver rewards program. Allstate Rewards lets you earn points for safe driving that you can trade for gift cards and merchandise.

Join the Allstate Motor Club for roadside assistance and other perks

If you’ve ever signed up for membership clubs like AAA, AARP and Good Sam, the Allstate Motor Club will sound familiar.

One major Allstate Motor Club membership perk is roadside assistance, which includes towing, lockout, fuel delivery, tire changes and jump-starts. You’ll also get access to other travel benefits like hotel discounts and trip-planning tools. And membership is available to anyone, not just Allstate policyholders.

Choose between two membership offers, Roadside Advantage or Roadside Elite.

1. Roadside Advantage
This policy costs $89 for the first year, covers you for up to five rescues annually and comes with a 30-day money-back guarantee. The key features include:

  • 24-hour emergency roadside assistance. Services include towing, lockout assistance, jump-start and tire change.
  • $1,500 trip interruption benefit. If you’re over 100 miles from home and your trip ends early due to a collision, don’t sweat it. Allstate will cover added expenses including meals, hotel stays and alternative transportation costs.
  • $100 Road hazard benefit. If a covered road hazard damages your tire, Allstate will replace it with the same or comparable quality tire, up to two events a year.

2. Roadside Elite
This policy costs $164 annually, and comes with a 30-day money-back guarantee. The key features include:

    • 24-hour emergency roadside assistance. Includes the same services as the Advantage package, for up to seven rescues in one year.
    • $250 road hazard benefit. Covers service fees for your damaged tire up to $250 per occurrence, twice every year.
    • RV coverage. Whether it’s your own, rented or borrowed RV, you’re still covered under the Roadside Elite benefits.
    • $1,500 trip interruption benefit. If you’re over 100 miles from home and your trip ends early due to a collision, don’t sweat it. Allstate will cover added expenses including meals, hotel stays and alternative transportation costs.

Allstate car insurance reviews and complaints

Allstate is rated slightly above average for customer satisfaction. The company holds an A+ rating from the Better Business Bureau (BBB) as of 2023, showing quick resolves for customer complaints.

Yet customers have filed over 1,555 BBB complaints this past year as of March 2023, citing delayed claims, improper billing and canceled policies on renewal. Out of 718 reviews, Allstate scores 1.08 stars out of 5.

For a well-rounded look at what customers say, positive reviews show that customers like the coverage options available, helping new customers choose a policy based on cost or coverage levels. Keep in mind large companies often see complaints, and many customers only leave reviews when they have a negative experience.

Our star ratings for Allstate, explained

Our car insurance experts rated Allstate above average for its variety of coverage and solid list of discounts, including multiple rewards for safe driving. We also liked Allstate’s high BBB score and strong AM Best financial ratings, although customer reviews brought down its overall Finder rating.

AM Best financial ratingA+
BBB accreditedNo
BBB ratingA+
Trustpilot score1.4/5 out of 230 customer reviews
Customer reviews verified as ofMarch 1, 2023

Compare Allstate to competitors

See how Allstate’s discounts, perks and coverage fare compared to other car insurance companies. Then hit Get quotes when you’re ready to see your customized rate.

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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 pays for damage to your vehicle after you hit another car or object, like a fence.
  • Comprehensive covers car damage costs caused by something other than a collision like vandalism, theft or fallen trees.
  • Liability insurance pays for the medical expenses or property damage of another driver if you’re in an at-fault accident.
  • Medical payments covers you and passengers’ medical expenses if you’re injured in a car accident.
  • Personal injury pays for your injuries, possible lost wages or other health costs after a covered accident.
  • Property damage pays to repair any damage you cause to another driver’s car or property after an accident.
  • Rental car reimbursement pays for the cost of renting a car if your vehicle is in the shop after an accident.
  • Rideshare insurance covers you while you’re driving for a ridesharing company, such as Uber or Lyft.
  • Roadside assistance pays for common roadside services like jumps-starts after a battery failure or a flat tire.
  • Uninsured and underinsured motorists covers your expenses if you’re in a car accident with an at-fault driver who doesn’t have enough car insurance.

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 can save you up to 25% when you bundle home and auto insurance. You’ll also get discounts for bundling car insurance with renters or condo policies, or motorcycle and renters insurance.

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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