Allstate offers solid car insurance coverage options and a variety of discounts. It also earns great claims satisfaction ratings, and is available in all 50 states.
By
Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Edited by
Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.2
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Allstate offers all the basic types of car insurance coverage that most drivers need, including liability, comprehensive, and collision coverage, along with a few additional coverages that you won’t find at every auto insurance company, like rideshare insurance and pay-per-mile coverage, in all 50 states and Washington D.C.
Allstate also has one of the highest claims satisfaction ratings in the industry according to third-party J.D. Power, and a lower-than-average number of customer complaints, which means Allstate customers are generally happy with their auto insurance coverage.
The biggest downside to Allstate is the cost; Allstate is among the most expensive options on the market when it comes to large car insurance companies, but for drivers looking for great customer service ratings, Allstate might be worth the higher-than-average rates.
Pros
Available in all 50 states and Washington D.C.
High claims satisfaction ratings
Offers unique discounts, like Drivewise and Milewise
Liability coverage: Liability coverage protects you financially by paying for property damage and bodily injury costs if you are at fault in an accident. Liability insurance is required in most states.
Personal injury protection: Sometimes called PIP, this pays for medical expenses, lost wages, and other expenses if you or your passengers are injured in an accident. PIP is required in no-fault states.
Uninsured/underinsured motorist coverage: Also called UM/UIM, this covers the cost if you’re in an accident caused by a driver without insurance, or whose insurance doesn’t cover the full extent of the damage. UM/UIM is required in some states.
Medical payments coverage: Also called MedPay, this is additional coverage to pay for bodily injury costs if you or your passengers are injured in an accident. MedPay tends to be a smaller amount of coverage, typically between $1,000 and $10,000.
Collision coverage: Covers the costs of damage to your car after an accident, no matter who was at fault.
Comprehensive coverage: Covers the costs of non-collision damage to your car, including animal-related damage, extreme weather, floods, fire, falling objects, theft, and vandalism.
Additional coverages offered
Allstate also offers a number of additional coverages you may want to add to your auto insurance policy, including:
Rental reimbursement coverage: Reimburses you for the cost of a rental car or extra transportation expenses if your car is in the shop after a covered loss.
Roadside assistance: Covers problems that might leave you stranded on the side of the road, like lockouts, dead batteries, towing, and fuel deliveries.
New car replacement: Pays to replace your car with a new one as long as your car is two model years old or newer.
Rideshare coverage: Called Ride for Hire at Allstate, this add-on covers you when you are on the clock with a rideshare company, like Uber or Lyft, but haven’t yet picked up a passenger.
One of the auto insurance coverages that Allstate does not offer is gap insurance, which means drivers who are required to have the coverage as part of their car loan or lease will need to purchase gap insurance elsewhere or choose a different insurance company.
Allstate also offers a variety of other types of insurance policies that you may be able to bundle with an Allstate auto policy, including:
Using rate data provided by Quadrant, we compared the average cost of a full coverage policy from Allstate (50/100/50 coverage limits and $500 deductibles for comprehensive and collision coverage) to competitor rates for the same coverage with the same driver profile (single drivers aged 30, 35, and 45 driving a 2017 Toyota Camry LE about 10,000 miles per year.)
Customer experience
4.4/5
Allstate scored 889 out of 1,000 on J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study, which is above average for the industry. In J.D. Power’s 2022 U.S. Insurance Digital Experience Study, which looks at customer satisfaction with a company’s digital offerings, Allstate received a 686, which is about average for the industry. And according to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report, Allstate also had fewer customer complaints than average in 2021.
Coverage options
3.2/5
Allstate offers 14 types of auto insurance coverage, giving it a decent score when it comes to coverage options. Although Allstate doesn’t offer as many coverage types as some of its competitors, it offers a variety of coverage options beyond the standard types of coverage (liability, comprehensive, and collision coverage) including coverages like rideshare insurance and rental reimbursement coverage.
Financial strength
4.2/5
Allstate has excellent financial ratings, scoring an A+ with AM Best, AA- with S&P, and Aa3 with Moody’s. This means Allstate is in a good financial position to pay out its customers’ claims, but there are several higher financial ratings available with all three rating agencies.
How much does Allstate auto insurance cost?
Allstate costs an average of $171 a month. That makes Allstate more expensive than most of its competitors, with an average annual premium of $2,055 a year for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident.
Coverage amount
Average annual rate for Allstate
Required state minimum
$750
Full coverage ($50,000/$100,000)
$2,055
Full coverage ($100,000/$300,000)
$2,097
Car insurance rates vary from one person to another, based on factors like your age, ZIP code, and driving history. The best way to make sure you are getting the lowest possible rate is to compare quotes from multiple companies.
What discounts does Allstate offer?
Here are a few of Allstate’s offered car insurance discounts:
Anti-theft device discount: Save if you have a car alarm or similar anti-theft device installed in your car.
Multiple policy discount: Savings for bundling your Allstate car insurance with other types of coverage, like home, renters or motorcycle insurance.
Early signing discount: Get a discount for buying your policy a week or more before the start date.
Responsible payer discount: Savings for keeping up with your payments.
Smart student discount: Savings for full-time students under the age of 25 who maintain a GPA of 2.7 or higher, complete Allstate’s teen driving education program, or attend school 100 miles away from where their car is garaged.
New car discount: If you’re the first owner of a car that is a current model year (or one prior) you’ll earn a discount on your Allstate policy.
EZ pay plan discount: Get a discount by enrolling in autopay for your policy.
Allstate eSmart discount: Agree to go paperless and get your insurance documents electronically to get a discount.
FullPay discount: Earn a discount by paying for your coverage in full at the start of your policy term (some companies call this a paid-in-full discount).
Drivewise: Save money by letting Allstate monitor your driving behavior with the Drivewise smartphone app.
Deductible Rewards: Take $100 off your deductible, plus an additional $100 (up to $500) each year you're accident free.
Allstate Drivewise
Allstate offers a usage-based discount program called Drivewise, which uses tracking built into the Allstate mobile app to monitor your behavior on the road. Good drivers are rewarded with a discounted car insurance rate, though the amount of the discount varies by state and based on your driving behavior.
According to our research, drivers can save an average of $135 per year ($11 per month) by signing up for Drivewise from Allstate (but savings will vary depending on how you drive).
Allstate annual rate
With Drivewise
$1,818
Without Drivewise
$1,953
Average Drivewise savings
$135
According to Allstate, you’ll save just for “activicating” Drivewise in the Allstate mobile app. But future savings are based on your driving behavior, so drivers who exhibit risky behavior (like speeding and hard braking) likely won’t see future savings from the Drivewise app.
The Allstate Drivewise app provides regular feedback on your driving behavior and even offers challenges that let you earn rewards points that can be redeemed for gift cards, magazine subscriptions, and other prizes.
Unlike some other car insurance discount apps, Drivewise tracks you continuously, not just for a short period of time, and uses that information to provide insights into how you can be a better driver — that might be good news for savings but it could be a concern for drivers who are worried about privacy.
One of the other benefits of Drivewise is crash detection, which uses Drivewise to tell if you are in an accident with another car going 25 miles per hour or more. If the app senses you’ve been in an accident it will immediately send you a notification. If you push and hold the notification it will offer to help by calling 911 or calling roadside assistance for you.
Allstate Milewise
Allstate also offers Milewise, a usage-based coverage option that’s based on how much you drive rather than how you drive, like Drivewise. This is a type of policy that offers savings to people who don’t drive much, like retirees and people who work from home.
Allstate Milewise rates are broken down into two parts: your daily rate and your per mile rate. For example, someone who drives six miles per day with a daily rate of $1.50 and a per mile rate of seven cents per mile will pay an average of $57.60 per month in premiums.
If you are someone who doesn’t have a regular commute and doesn’t spend much time on the road, you could potentially save money by signing up for Milewise. And if you go on a long road trip, it may not affect your rates. Allstate caps the number of miles you pay for per vehicle, so there is a maximum amount you’ll be expected to pay for a per-mile car insurance policy, no matter how far you drive.
Allstate auto insurance state availability
Allstate auto insurance is available in all 50 states and Washington D.C.
What to expect with Allstate auto insurance
How to get a quote: You can get an Allstate car insurance quote online, by calling 866-340-2084, or by reaching out to an Allstate agent.
Customer service options: Allstate customers can reach out to their agent to answer their questions, or they can call 800-726-6033 to speak to a customer service representative.
How to file a claim: Allstate customers can file a claim through the company’s mobile app or online through the My Account page but, customers who need assistance can reach out to their agent for help filing a claim.
How to cancel your policy: The best way to cancel an Allstate car insurance policy is to contact your agent directly. Customers can also call the company directly at 800-726-6033 to cancel their coverage.
Yes, Allstate scored an 889 out of 1,000 on the J.D. Power Auto Claims Satisfaction Survey, giving them one of the highest scores in the industry. That means that Allstate customers were happy with the service they got during the claims process as well as with their final claims settlements.
Is Allstate a good insurer?
Yes, Allstate is a good insurance company that has decent coverage, plenty of discounts, and high customer satisfaction ratings.
Is Allstate the most expensive?
Allstate is more expensive than most other car insurance companies, but it’s not the most expensive option; both Mercury and State Auto have higher average rates than Allstate, and rates vary widely from driver to driver.
Is Allstate cheaper than GEICO?
No, Allstate has higher average rates than GEICO — Allstate costs $165 a month for a full-coverage policy compared to $99 a month with GEICO. But keep in mind that rates are different from person-to-person and state-to-state, so compare quotes from multiple companies to make sure you are getting the lowest possible rates.
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
