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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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Sarah George
Updated
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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

4 / 5 ★★★★★

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on State Farm's secure site
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
Available statesAll 50 states
Roadside assistanceOptional
Payment schedule12 months, 6 months, Monthly
New car protection
Claims methodOnline, Phone
Accident forgivenessYes

Progressive

4 / 5 ★★★★★

Get quotes
on Progressive's secure site
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
Available statesAll 50 states & DC
Roadside assistanceOptional
Payment schedule12 months, 6 months
New car protection
Claims methodonline, phone
Accident forgivenessYes

Geico

4 / 5 ★★★★★

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on Geico's secure site
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
Available statesAll 50 states
Roadside assistanceOptional
Payment schedule12 months, 6 months, custom
Claims methodOnline, Phone, Agent
Accident forgivenessYes

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
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
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
Connect (formerly Ameriprise)yesyesno
Amicayesyesno
Erieyesyesno
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
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
Progressive
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
Root
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Savvy
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
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Compare up to 4 providers

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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