Allstate Review: Auto, home, business, and life insurance (2024)

According to a 2024 report from Insurance Business Magazine, Allstate is the 9th largest property and casualty insurer in the United States. The company has around 175 million active policies and sells several insurance products, including auto, home, renters, and business coverage. Allstate was founded in 1931 and is headquartered in Northbrook, Illinois.

Learn more about what this established insurance company offers in this Allstate review. All rates and fees are current as of May 21, 2024.

Allstate

Homeowners insurance:$1,714 per year on average
Vehicle insurance:$170 per month for a full coverage policy on average
Life insurance:Starting at $10 per month

Allstate Review: Auto, home, business, and life insurance (1)

Pros

  • Several auto and homeowners discounts
  • Offers many types of coverage
  • Available in all 50 states

Cons

  • Poor customer reviews
  • Quote process isn’t as simple as it seems
  • Rated below average for customer satisfaction in many U.S. regions on 2023 J.D. Power U.S. Auto Insurance Study

Allstate is best for those interested in bundling policies, as it offers many types of insurance coverage. Besides offering many coverages, you can also access multiple auto and homeowners insurance discounts, making it a good choice if you want to keep your insurance costs relatively low.

While Allstate claims it offers online quotes, the process of obtaining a quote is more complicated than it initially seems. You’re required to input a significant amount of personal information and agree to have an agent reach out before the company will offer a quote. Thus, it may not be the best option for those seeking a straightforward online quote process.

Allstate rates and products

If you’re interested in bundling coverage, Allstate could be a good option. It offers vehicle and property insurance, including homeowners, renters, and condo coverage. You can also get business and life insurance through this company. According to insurance comparison websites, Allstate’s average rates are as follows:

Allstate productAverage monthly rate
VehicleAround $170 per month
HomeAround $170 per month
BusinessNot disclosed
LifeStarting at $10 per month
Vehicle
Average monthly rateAround $170 per month
Home
Average monthly rateAround $170 per month
Business
Average monthly rateNot disclosed
Life
Average monthly rateStarting at $10 per month

Allstate vehicle insurance

You can insure several types of vehicles with Allstate, including cars, motorcycles, RVs, boats, and more. Allstate offers the following coverage options.

AutoCollision
Comprehensive coverage
Liability coverage
Medical payments
Personal injury protection
Rental reimbursem*nt
Personal umbrella
Underinsured/underinsured motorist
Rideshare insurance
Classic car insurance
Roadside coverage
MotorcycleBodily injury liability coverage
Property damage liability coverage
Medical payments coverage
Personal injury protection
Collision coverage
Comprehensive coverage
Uninsured/underinsured motorist bodily injury coverage
Towing and labor coverage
Rental reimbursem*nt coverage
Motorcycle and off-road vehicle transport trailer
Lease/loan gap coverage
Optional or added equipment coverage
RVBodily injury liability
Property damage liability
Collision coverage
Comprehensive coverage
Personal effects coverage
Medical payments coverage
Personal injury protection coverage (PIP)
Uninsured & underinsured motorist coverage
Towing and labor costs coverage
Total loss replacement
Vacation liability
Emergency expense
Full timer’s liability coverage
Pet coverages
Tow bar coverages
BoatWatercraft medical payments coverage
Watercraft liability coverage
Property coverage
Repair cost endorsem*nt coverage
Emergency services coverage
Uninsured watercraft coverage
Agreed value option
Personal effects coverage
Additional boat equipment coverage
Boat trailer coverage

Allstate property insurance

Besides offering many coverage options for several types of vehicles, Allstate also offers options for many types or properties and situations. You can get a homeowners or renters policy through this insurer, as well as condo and landlord insurance. Here’s a look at the types of coverage available.

HomeownersDwelling
Liability
Personal property
Guest medical protection
RentersPersonal property
Reimbursed living expenses
Liability protection
Guest medical coverage
CondominiumBuilding property
Liability
Personal property
Guest medical protection
Additional living expenses
LandlordDwelling protection
Other structures protection
Liability coverage
Fair rental income coverage
Premises medical protection

Allstate business insurance

If you’re a small business owner, you can also take advantage of Allstate’s business insurance coverage. It offers commercial auto insurance policies and errors and omissions coverage for professionals in various industries, including contractors, electricians, landscapers, plumbers, Realtors, and more.

Allstate life insurance

Those seeking life insurance can obtain a term or permanent policy through Allstate. Its term policies start at just $10 per month. While Allstate doesn’t disclose rates for its permanent coverage options, permanent life insurance tends to be more expensive than term coverage.

Other services Allstate offers

Allstate also offers other insurance products and services, including the following:

  • Identity theft insurance: Can help protect you from identity theft and rectify issues if you fall victim to identity thieves.
  • Phone protection: Provides coverage for common issues like cracked screens, water damage, battery failure, and more.

The Allstate platform and customer support

Allstate lets you submit and track claims online, which is both simple and convenient. If you need to reach its customer service team about a claim or for a policy question, you can contact them 24/7 over the phone, email or X (formerly Twitter).

What is Allstate’s reputation for paying claims?

Overall, Allstate has a good reputation for paying out claims. Independent insurance credit rating agency AM Best has assigned Allstate a financial strength rating of A+, or superior. This high rating signifies the company is financially stable.

Allstate user reviews

Online reviews for Allstate are mostly negative. This insurer receives a 1.3- out of 5-star rating across 370 Trustpilot reviews and a 1.12- out of 5-star rating among over 1,200 Better Business Bureau (BBB) reviewers.

Dissatisfied reviewers report issues with poor customer service, surprise rate hikes, and unexpected policy renewals. While online reviews provide some insight into past customers’ experiences, it’s best to consider them in addition to everything else a company offers when determining if it’s right for you.

Is Allstate right for you?

Allstate offers many types of insurance products, and it could be a good solution if you’re looking for multiple coverage options. It may also be a smart choice if you want access to several discounts, especially for your auto coverage.

That said, it’s important to get quotes from multiple insurance providers if you’re seeking coverage. Doing so will help you find the best coverage for your needs with a budget-friendly price tag.

Allstate Review: Auto, home, business, and life insurance (2024)
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