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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.
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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
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
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
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:
| 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 |
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:
| 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 |
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:
| 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 |
| Connect (formerly 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 |
Compare car insurance companies like Allstate
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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