Allstate Insurance Review (2024) | WalletHub (2024)

Pros

  • Long list of discounts
  • Claims satisfaction guarantee
  • Nationwide availability
  • Rideshare coverage is available
  • Pay-per-mile insurance option


Cons

  • Below-average customer service
  • Complaints about premium increases
  • Complaints about the claims process

Allstate Review Summary

Allstate is a pretty good insurance company, earning a rating of 2.9/5 from WalletHub editors, good customer reviews, and above-average ratings from organizations such as the Better Business Bureau (BBB) and J.D. Power. Allstate is perhaps best known for its auto insurance policies, but the company also offers coverage for your home, business, special events and more.

Allstate car insurance should be at the top of the list for experienced drivers with clean driving records, especially those looking to bundle multiple insurance products with one company. However, individuals who have just started driving or who have poor driving records might want to look elsewhere, due to higher premium costs for these drivers than from some of Allstate’s top competitors.

Summary: Allstate Scores by Review Category

CategoryScore
Allstate Quotes / Pricing10/30
15/30
Allstate Financial Stability10/10
Allstate Claims Process10/15
Allstate Types of Insurance and Additional Services Offered5/5
Allstate Discounts3/5
Allstate Transparency5/5
OVERALL58/100

Now that you’re familiar with Allstate’s scores in each of our review categories, let’s see how the company compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.

Allstate Car Insurance Pricing

Category Rating: 30% (10 out of 30)

Driver ProfileAverage Quote
18-Year-Old$183 per month
21-Year-Old$89 per month
45-Year-Old$65 per month
45-Year-Old with a Speeding Ticket$92 per month
45-Year-Old with DUI$193 per month
55-Year-Old$66 per month
65-Year-Old$67 per month

Allstate is among the more expensive options when it comes to auto insurance rates. Allstate received a score of 10/30 in the cost portion of this review, as its premiums rank in the third quartile among the cheapest major car insurance companies that WalletHub evaluated. Learn more about WalletHub’s Methodology.

Allstate Customer Service & Reviews

Category Rating: 50% (15 out of 30)

  • Reviews on WalletHub: 2.7/5
  • J.D. Power: 4.1/5
  • NAIC: 2.70
  • BBB: A+

Customer reviews online are a mixed bag of positive and negative comments about Allstate’s customer service. Allstate’s NAIC rating is 2.70, which means it has received more complaints than the average car insurance provider. Allstate lost points in this category as a result.

Allstate’s Financial Stability

Category Rating: 100% (10 out of 10)

  • Standard & Poor’s: Aa-
  • Moody’s: Aa3
  • AM Best: A+

Allstate is on great financial footing, earning a rating of A+ from AM Best, one of the nation’s leading credit rating agencies for the insurance industry. Allstate also earned relatively high ratings from Standard & Poor’s and Moody’s. A good rating from these companies means that Allstate is financially strong and has the financial capability to pay out claims.

Allstate Claims

Category Rating: 60% (10 out of 15)

With Allstate, you can file a claim anytime online or through the company’s mobile app. The lack of a 24/7 claims support line to call caused Allstate to lose points in this category.

Learn more about Allstate's claims process.

Allstate's Types of Insurance

Category Rating: 100% (5 out of 5)

  • Auto insurance
  • Homeowners insurance
  • Business insurance
  • Boat insurance
  • Annuities
  • Commercial auto insurance
  • Cyber risk protection
  • Flood insurance
  • Identity protection
  • Renters insurance
  • Motorcycle insurance
  • Life insurance
  • Umbrella insurance

Allstate scored well in this category given the broad range of insurance options it offers, not to mention the availability of savings for bundling multiple policies. Below, we’ll look more into how Allstate measures up when it comes to car insurance, as that’s its most popular type of coverage.

For starters, Allstate auto insurance offers all the standard coverage options that drivers would expect: bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, and comprehensive. Auto insurance policies from Allstate also include several complimentary built-in benefits. For instance, the Claim Satisfaction Guarantee gives you a credit on your premium if you’re not happy with your claim service experience, and Allstate maintains a network of preferred auto repair shops to help ensure policyholders receive quality repairs. Allstate policyholders also have the chance to earn reward points for safe driving through the Allstate Rewards® program.

Allstate customers can further customize their auto policies with supplemental options that provide enhanced protections and benefits.

Supplemental Allstate Car Insurance Coverage Options:

  • Emergency Road Service: Covers towing, tire repairs, jump starts, locksmith services, and fuel delivery. Policyholders who choose not to add this coverage can still call for roadside help through the Good Hands Rescue app – a pay-per-use service. Customers can also upgrade their roadside coverage to the Allstate Motor Club, which features exclusive benefits such as travel discounts, trip interruption protection, retail savings, legal defense and more.
  • Rental Reimbursem*nt: Covers the cost of a rental car if your vehicle is in the repair shop due to an accident.
  • Accident Forgiveness: Protects you from a rate increase after an at-fault accident.
  • Safe Driving Bonus®: Gives customers a check from Allstate for every six months they remain accident-free. Allstate will also take $100 off your collision deductible when you add this feature to your policy.
  • Deductible Rewards®: Helps to reduce your deductible by $100 each year (up to $500) that you remain accident-free. Receive a $100 credit off your deductible instantly when you sign up for this benefit.
  • New Car Replacement: Allstate will replace your new car (less than 2 model years old) if you completely total it in an accident.
  • Sound System Insurance: Covers the cost of audio equipment in the vehicle in the event of an accident or theft.

The availability and details of the coverage/benefit options listed above vary by state. If you’re not sure how much coverage you need, Allstate’s Bumper-to-Bumper Basics® tool can help give you an idea of what coverage levels would be best for you.

Specialty Types of Allstate Car Insurance Policies:

  • Allstate Milewise Insurance for the occasional driver seeking a more budget-friendly insurance policy. This pay-per-mile option allows drivers to purchase insurance based on how much they drive on a daily basis. Your rate comprises two components: a base rate (which is calculated by factoring in your age, vehicle type and driving history) and a miles-driven rate.
    Milewise is only available in the District of Columbia and the following states: Delaware, Idaho, Illinois, Indiana, Maryland, New Jersey, Ohio, Oregon, Texas, Virginia, Washington, and West Virginia.
  • Classic Car Insurance for owners of race cars, antique tractors, old military vehicles, and other classic/collector vehicles. The classic car insurance policy is offered by a third-party provider, Hagerty Insurance Agency.
  • Allstate Ride for Hire® Insurance for extra protection on your personal auto policy that costs as little as $15-20 per year. It’s designed to cover any gaps in your personal policy while you’re driving for a personal transportation company. Allstate’s rideshare insurance is not available in all states.
  • Allstate Mexico Tourist Auto Insurance for covering liability, medical payments, collision damage and more while you’re driving in Mexico. Allstate partners with a third-party provider to offer this coverage, and drivers must have a valid U.S. license and be at least 21 years old. Younger drivers may be subject to an additional service fee.

Allstate also offers insurance policies for motorcycles, boats, motorhomes, snowmobiles, and ATVs.

Allstate Discounts

Category Rating: 60% (3 out of 5)

  • Multi-policy discount
  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • EZ Pay Plan® discount
  • Allstate eSmart® discount
  • FullPay® discount
  • Early Signing®
  • Responsible Payer
  • Safe Driving Club
  • Smart student discount
  • Allstate Drivewise

While Allstate offers quite a few discounts, its list of options is shorter than what many of its top competitors have available, especially in terms of auto insurance discounts. Allstate received an average score in this category as a result. Also, it’s worth noting that the availability and eligibility criteria for these discounts vary by state.

Allstate Transparency

Category Rating: 100% (5 out of 5)

Key information is easy to find on Allstate’s website and mobile app, so it gets a good score in the transparency department from WalletHub. You can also call a live customer service representative 24/7 at 800-ALLSTATE (800-255-7828) to get answers to your questions.

Bottom Line

Allstate is a pretty good insurance company overall, especially for customers who feel comfortable managing their claims themselves on the company’s website or mobile app. Allstate also has 24/7 claims support by phone, as well as a nationwide network of agents, so you’re just a call away from getting the help you need with your insurance policy.

All in all, Allstate scores well in terms of customer service, coverage options and claims processing. However, it could make improvements in the discounts and transparency departments.

Allstate vs. Competitors

InsurerAllstateGeicoState FarmProgressive
Average Premium*$1,569 per year$1,009 per year$1,410 per year$1,296 per year
Number of Car Insurance Discounts12171613
Offers Home InsuranceYesYesYesYes
Complaints Score (lower is best)2.701.231.181.45
Editor’s Rating2.94.44.13.9

*Complaints Score represents the company's overall NAIC rating. Car insurance-specific rating may differ.
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare. Learn more about how these rates were calculated in the methodology section below.

For more car insurance research, check out WalletHub’s Cheap Car Insurance Study. And if you have experience with Allstate that you’d like to share, you can also write an Allstate insurance review.

Video: Allstate Insurance Review



Methodology

In order to provide fair, helpful reviews of insurance companies such as Allstate that can lead consumers to the best insurance coverage for their needs, WalletHub rates each insurance company in seven major categories: Cost, Insurance Types, Customer Service & Reviews, Discounts, Claims, Financial Stability and Transparency. Below, you can find an overview of what each section in our scoring rubric entails.

  1. The “Cost” section includes information about how expensive the insurance policies are. Allstate average premiums and quartile rankings are based on data from California, the largest state Allstate operates in. Rate information is provided by Quadrant Information Services. Individual rates will be different.
  2. The “Insurance Types” section examines what types of insurance policies the company offers.
  3. The “Customer Service & Reviews” section measures the insurance company’s reputation as well user reviews and information from watchdog organizations.
  4. The “Discounts” section examines how many and what types of discounts the company offers. It also takes into consideration whether or not there are discounts for bundling policies.
  5. The “Claims” section examines the ways in which customers can make claims with the policy. It considers whether or not customers can make claims by phone or online, as well as whether or not the company has a 24/7 support line.
  6. The “Financial Stability” section considers the company’s status with credit rating agencies AM Best, S&P and Moody’s.
  7. The “Transparency” section measures how clearly the insurer discloses key information on its website.

The final score takes these seven categories into account and reflects how close an insurance company is to WalletHub’s definition of a 5-star insurer. For more information, please read WalletHub’s full insurance company methodology.

Ask The Experts

To gain more insight about Allstate Car Insurance, WalletHub posed the following questions to a panel of experts. Click on the experts below to view their bios and answers.

1. Why do you think Allstate is so philanthropic (e.g. the Allstate Foundation)?
2. Should the number of discounts Allstate offers sway potential customers' decisions?

Ask the Experts

Esi Elliot
Ph.D., Instructor, International Business and Entrepreneurship, University of Texas at Rio Grande
Read More

John Angelis
Ph.D., Assistant Professor of Operations, College of Business, University of Lynchburg
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Hazel Dadanlar
Ph.D., Assistant Professor of Management, Wall College of Business Administration, Coastal Carolina University
Read More

Rawi Naranong
Professor, Daytona State College
Read More

Evan Darryl Walton
J.D., Associate Clinical Professor and Director, Community Business Clinic, School of Law, Northeastern University
Read More

Jennifer L. Burton
Ph.D., Associate Professor of Marketing, John H. Sykes College Business, University of Tampa
Read More

More Experts

Allstate Insurance Review (2024) | WalletHub (2024)
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