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Who has better car insurance than Allstate?
Discounted rates and rewards are a draw, but you could find better customer service elsewhere.
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.
What's in this guide?
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
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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