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Which competitors have better car insurance than Allstate?

Discounted rates and rewards are a draw, but you could find better customer service.

Updated

Fact checked

You might like Allstate for its low rates and discounts, including a safe driver program with unique rewards. However, some competitors provide lower premiums than Allstate, top customer service and steeper safe driving discounts.

Pros

  • Local agents
  • Quick claims payments
  • Variety of discounts

Cons

  • Standard coverage
  • Accident forgiveness is an add-on
  • Negative customer reviews

Allstate’s top competitors for car insurance

State Farm

Optional
Roadside assistance

New car protection

Accident forgiveness
The company has local agents like Allstate, but it has better overall satisfaction as a top customer choice.
  • Top provider choice
  • Local agents
  • 20% off for insuring several vehicles
  • Safe driver discounts
  • Higher premium than competitors
  • Agents might upsell
  • Customer experience varies by agent
  • Business ratings lower than Allstate
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, Monthly
Claims methods Online, Phone
New car protection Yes
Accident forgiveness Yes

Progressive

Optional
Roadside assistance

New car protection

Accident forgiveness
If you prefer local agents, this company may not work for you. But similar to Allstate, Progressive still comes in at the top, helping you budget for your insurance despite slightly higher rates.
  • Top national insurer
  • Variety of budget and rate tools
  • Lets you compare rates with competitors
  • Accident forgiveness included
  • Higher rates than Allstate
  • Many complaints on Better Business Bureau
  • Six-month terms standard
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months
Claims methods online, phone
New car protection Yes
Accident forgiveness Yes

Geico

Optional
Roadside assistance

New car protection

Accident forgiveness
Like Allstate's coverage, Geico has steep safe driver discounts and a streamlined online claims process to rival Allstate's best features. But getting a lower premium might be a toss-up based on your location.
  • Steep discounts
  • Flexible payments
  • Mechanical breakdown coverage
  • Online customer service focus
  • Low Trustpilot and BBB reviews
  • Not many local agents
States served All 50 states
Roadside assistance Optional
Pay schedule 12 months, 6 months, custom
Claims methods Online, Phone, Agent
New car protection Yes
Accident forgiveness Yes

Which competitors have cheaper insurance than Allstate?

Allstate has a low price point in many states, including California. How the company stands up to the competition:

ProviderPremiumBest for
Allstate$382Safe drivers
Esurance$333Online customer service
USAA$344Military and their families
State Farm$413Bundled policies
Geico$459Comparing

Which competitors have better customer service than Allstate?

You might opt for Allstate because of its local agents, but other providers offer a better customer experience.

Allstate competitors with higher customer ratings:

ProviderTrustpilot scoreBetter Business Bureau customer rating
Allstate1.91 star
Amica4.02 stars
Esurance2.92 stars
Farmers2.71.5 stars
The General4.71 star
Liberty Mutual3.21 star
Safeco3.21 star

Competitors with local agents:

  • American Family
  • Erie
  • Farmers Insurance
  • Geico — limited locations
  • The General
  • Liberty Mutual
  • Mercury
  • Nationwide
  • Safeco
  • State Farm

Which Allstate competitors have safe driver rewards?

The Allstate Rewards program lets safe drivers earn rewards like gift cards, but consider the savings you might get with other insurers:

CompanySafe driver discountCar safety feature discountsUsage-based discount
Allstateyes — earn rewardsyes — up to 10%yes
21st Centuryyesyesno
AAAyes — up to 20%nono
American Familyyes — up to 10%yesno
Ameripriseyesyesno
Amicayesyesno
Erieyesyesno
Esuranceyesyesno
Farmersyesyesno
Geicoyesyes — up to 15%yes
Liberty Mutualyesyesyes
Mercuryyesyesno
MetLifeyesyesno
Nationwideyesnoyes
Progressiveyesyesyes
Safecoyesyesno
State Farmyesyesno
Travelersyesyes — up to 10%no
USAAyesyesyes

Compare car insurance companies like Allstate

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.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Bottom line

Allstate offers low insurance rates for standard coverage and the possibility of earning rewards if you’re a safe driver. However, other car insurers may also provide a similar price point, high customer service ratings and rewards for safe driving to meet your needs.

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