Who has better car insurance than Allstate?

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

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You might like Allstate for its low rates, including a safe driver program with unique rewards that you won’t find anywhere else. However, some of the competition provides similar offerings, discounted rates, a top customer experience and other safe driving discounts.

Pros

  • Local agents
  • Quick claims payments
  • Variety of discounts

Cons

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

Other providers similar to Allstate

State Farm

The company has local agents like Allstate, but it has better overall satisfaction as a top customer choice.

Pros

  • Top provider choice
  • Local agents
  • 20% off for insuring several vehicles
  • Safe driver discounts

Cons

  • Higher premium than competitors
  • Agents might upsell
  • Customer experience varies by agent
  • Business ratings lower than Allstate

Progressive

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.

Pros

  • Top national insurer
  • Variety of budget and rate tools
  • Lets you compare rates with competitors
  • Accident forgiveness included

Cons

  • Higher rates than Allstate
  • Many complaints on Better Business Bureau
  • Six-month terms standard

Geico

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.

Pros

  • Steep discounts
  • Flexible payments
  • Mechanical breakdown coverage

Cons

  • Online customer service focus
  • Low Trustpilot and BBB reviews
  • Not many local agents

Compare car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

Who has cheaper insurance than Allstate?

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

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

Who has better customer service than Allstate?

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

Providers with higher customer ratings than Allstate:

Provider Trustpilot score Better Business Bureau customer rating
Allstate 1.9 1 star
Amica 4.0 2 stars
Esurance 2.9 2 stars
Farmers 2.7 1.5 stars
The General 4.7 1 star
Liberty Mutual 3.2 1 star
Safeco 3.2 1 star

Providers with local agents:

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

Who has 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:

Company Safe driver discount Car safety feature discounts Usage-based discount
Allstate yes — earn rewards yes — up to 10% yes
21st Century yes yes no
AAA yes — up to 20% no no
American Family yes — up to 10% yes no
Ameriprise yes yes no
Amica yes yes no
Erie yes yes no
Esurance yes yes no
Farmers yes yes no
Geico yes yes — up to 15% yes
Liberty Mutual yes yes yes
Mercury yes yes no
MetLife yes yes no
Nationwide yes no yes
Progressive yes yes yes
Safeco yes yes no
State Farm yes yes no
Travelers yes yes — up to 10% no
USAA yes yes yes

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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