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Allstate Review

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Allstate Auto Insurance Overview

Last Updated on March 21, 2024 by a2z_admin

Our team checked out Allstate Auto Insurance, and we think it’s pretty good! We gave it a score of 8.8 out of 10.0 after looking at five important things: how people see it, if it’s easy to get, what it covers, how much it costs, and what customers say about it.

Here’s a breakdown of our scores:

Overall Rating: 8.8

Industry Standing: 9.5 (That means Allstate is well-respected in the insurance world.)

Availability: 10.0 (You can easily get it when you need it!)

Coverage: 9.2 (It covers a lot of important things.)

Cost: 7.4 (It’s not the cheapest, but it’s not crazy expensive either.)

Customer Experience: 8.7 (Customers generally have a good time with Allstate.)

So, if you’re thinking about getting car insurance, Allstate might be a solid choice based on our ratings!

Is Allstate a Good Insurance Company?

Founded in 1931, Allstate is a reliable choice for insurance, especially if you want options that suit your needs and ways to save money. They’ve got a solid A+ rating from the Better Business Bureau and excellent financial strength with an A+ rating from AM Best.

Here are some things that make Allstate stand out:

  • Lots of Coverage Options: Allstate doesn’t just offer basic car insurance. They’ve got all sorts of add-ons like coverage for rideshare, protection for your sound system, roadside assistance, and even reimbursement for rental cars.
  • Financially Stable: Allstate is in great shape financially, with an A+ rating from AM Best. This means they’re strong and dependable, giving you peace of mind.
  • Discounts for Safe Driving: Allstate has two cool programs, Drivewise® and Milewise®, where you can save money on your insurance by driving safely. It’s a win-win – you stay safe, and you save some cash!

Remember, while Allstate is available all across the country, the discounts and extra stuff might differ depending on where you live. So, it’s always a good idea to check what’s available in your state.

Exploring the Pros and Cons of Allstate Car Insurance

When you’re searching for car insurance, it’s a bit like picking out a new video game – you want to understand all the features and what you’re signing up for. So, let’s take a closer look at the advantages and disadvantages of Allstate car insurance to help you make an informed decision:


  • Cool Rewards: Allstate offers some neat rewards like Deductible Rewards and Drivewise. These can help you out if you’re a safe driver. Keep in mind, though, availability might change depending on where you live.
  • Tech-Savvy Tools: Allstate is like having a super-smart sidekick. They’ve got awesome mobile and online tools. Need to make a claim or get support for your policy? It’s as easy as playing your favorite game.
  • Driving School for Teens: If you’re a teen gearing up for the road, Allstate has a special driving training program just for you. It’s like leveling up in driving skills to reduce the chance of accidents. Safety first, right?


  • Average Score: Allstate didn’t hit the high score in a bunch of places, according to J.D. Power’s 2023 U.S. Auto Insurance Study. It’s like getting a B when you aimed for an A.
  • Limited Extra Coverage: While Allstate has some cool stuff, there aren’t a ton of extra options to choose from. It’s like having fewer toppings on your pizza – still good, but not as many choices.

State Limits: Depending on where you live, your choices might be a bit limited. Some policies and coverage options might not be available in your state. It’s like having a game that everyone’s talking about, but you can’t play it because it’s not in your area yet.

Allstate Car Insurance Discounts

Getting lower car insurance costs is easier than you think with Allstate’s cool discounts. Check out these awesome ways to save:

  • New Car Discount: If your car is brand new or just a year old, and you’re the first owner, you get a special discount.
  • Anti-Lock Brake Discount: Own a car with anti-lock brakes? You get a discount for being extra safe.
  • Multi-Policy Discount: Bundle up your Allstate car insurance with other policies like home or renters insurance for a big discount.
  • Early Signing Discount®: Sign up for your car insurance at least 7 days before it starts, and you’ll save some bucks.
  • Responsible Payer Discount: Pay your bills on time, and if you haven’t gotten a non-payment notice in the last year, you earn a discount.
  • Smart Student Discount: If you’re under 25, not married, keeping those grades up, and your school is far from where your car stays, you’re in for a discount.
  • Anti-Theft Discount: Make your car extra secure with an alarm or anti-theft device, and you’ll get a nice discount.
  • EZ Pay Plan Discount: Set up automatic payments and watch your bill go down.
  • Allstate eSmart Discount®: Go green with paperless billing and earn yourself a discount.
  • FullPay® Discount: Pay your yearly premium all at once and get a discount.
  • Safe Driving Club: Drive safely for six months straight, and you get a discount.

Not exactly a discount, but Allstate has a neat Deductible Rewards Program. Your collision deductible drops by $100 when you sign up, and it keeps going down by $100 each year you don’t have an accident, up to $500.

And there’s more! The Safe Driving Bonus® lets you score a bonus every six months without an accident. You can get it in your bank account or as a credit to your car insurance.

Allstate auto insurance coverage

When you want to get a price estimate for Allstate’s car insurance, there are a few details you’ll need to provide, like your name, date of birth, and address. They’ll also ask about your car, including its year, make, and model.

If you ever need to file a claim or keep track of it, Allstate has a special online space called the client portal for that. When it comes to choosing the right coverage for your car, you get to pick from different types, such as Collision, Comprehensive, Liability, Medical Payments, Sound System, Roadside, Personal Umbrella, Uninsured, Rental Reimbursement, and Personal Injury Protection.

Once you’ve figured out the coverage you need, you’ll set the limits for that coverage and choose deductibles. It’s important to make sure your choices follow your state’s laws. Allstate also offers extra perks, like Drivewise and rideshare insurance. Plus, there are discounts available for things like having a new car or combining different insurance policies.

How Much Does Allstate Car Insurance Cost?

The average annual premium for Allstate car insurance is around $2,135, which is higher than the national average of $1,547. In comparison, USAA, with the lowest average annual premium among companies we evaluated, is roughly half the cost of Allstate. Geico, the second-lowest in terms of car insurance rates overall, is approximately $900 less expensive per year, on average, than Allstate.

It’s worth noting that Allstate tends to have higher average annual rates across various driver categories, including teen drivers, senior drivers, individuals with a history of accidents or DUI, and those opting for the minimum required coverage in their state.

Keep in mind that several factors influence car insurance rates, and your specific costs may differ from the examples provided. The most effective way to find the most affordable insurance is by comparing quotes from different insurance companies.


The cost of Allstate auto insurance varies based on a few things, like how old you are and what kind of car you drive. Let’s break it down: if you’re 25 years old, you might pay between $2,000 and $2,100. For a 35-year-old, it’s around $1,850, and a 60-year-old could expect to pay about $1,750. On average, people pay about $1,880 each year.

The comprehensive coverage from Allstate takes care of damages caused by things like vandalism, hail, fallen trees, theft, and other unexpected events.

Allstate usually checks your driving record for the past five years.

To keep your insurance costs down, try to avoid getting speeding tickets. You might also want to think about adjusting your coverage based on your needs and focusing on being a safe driver. If you drive responsibly, you could even qualify for bonus rewards that bring down your rates. There are other ways to save too, like getting discounts for bundling multiple policies, buying a new car, or earning good grades. Also, consider setting higher deductibles or parking your car in a garage – both of these can help lower your premiums.

About the Author

Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.

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