Allstate Auto Insurance Review: Good Services but High Rates

Allstate car insurance

Whether you’re a senior looking for best-in-class service or a young driver going off to college, Allstate provides a personalized touch; but its rates are usually expensive. We’ll discuss Allstate’s car insurance coverage options and discounts, and compare its rates to other industry-leading competitors.

Allstate auto insurance quote comparison

Of the five largest auto insurers in the U.S., Allstate is by far the least affordable for most drivers. For a typical driver, we found Allstate’s prices for car insurance were about 50% more expensive than the average across the biggest American insurance companies. It was more than twice as expensive as State Farm.

Graph shows how Allstate quotes for car insurance compare to other companies for drivers with and without accidents

Prices at Allstate for younger drivers and people with a crash on their records were even less competitive. For example, Allstate insurance after a crash costs 61% more than at the next-cheapest option, Progressive.

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Currently insured?

Insurer

Adult with clean record

Recent accident

20 years old

State Farm$1,316$1,768$3,071Progressive$1,457$2,345$3,478USAA$1,650$2,390$3,397Geico$2,025$3,216$3,308Allstate$2,798$5,193$5,950

Car insurance takeaway: If you’re shopping for the cheapest rates around, we recommend getting quotes from more affordable insurers like State Farm and Progressive.

Both of these companies offer among the most competitive prices among large national insurers. And although Allstate has several car insurance discounts and decent customer service reviews, its expensive rates may make it ultimately a less appealing option for auto insurance.

Allstate coverage options

Allstate offers all the standard coverages you need from an auto insurer. The company doesn’t have as many bells and whistles as Progressive or Geico, but Allstate offers rideshare insurance for Uber and Lyft drivers. Where Allstate distinguishes itself from its competitors is the Your Choice Auto program, which adds several coverages that are uncommon at other insurers.

Coverages from Allstate

  • Liability
  • Physical damage
  • Uninsured motorist
  • Roadside assistance
  • Rideshare
  • Rental reimbursement
  • Gap insurance

Auto insurance discounts at Allstate

Another aspect we like about Allstate’s offering is its plethora of discounts, which are on the generous side compared to other insurance companies.

In a comparison of 12 major national companies, Allstate tended to offer the most auto insurance discounts. The Drivewise program from Allstate is also noteworthy, as it rewards safer drivers, similar to Progressive Snapshot.

Ask your agent if you qualify for any of these discounts, and how many of them you can stack together, when getting your quote from Allstate.

Discount type

Discounted coverage

Amount

Anti-lock brakes discount

BI, PD, PIP/Med, Coll10%

Safe driver bonus*

BI, PD, PIP5%

Responsible payer discount

All5%

Homeowner discount

BI, PD, PIP, Coll, Comp5%

Multiple policy discount

All10%

Passive restraint discount

PIP/MED10%

Premier discount

All22%

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Allstate Drivewise program

Allstate Drivewise, the company’s version of a usage-based discount program, rewards policyholders based on their actual driving habits, monitored through a plug-in device or smartphone app. Allstate agents claim that drivers could receive premium reductions up to 40% by:

  • A. Signing up with the program and getting a 10% policy discount
  • B. Driving safely for six months

Of course, the amount you save with Drivewise is based on your driving behavior.

Allstate Drivewise is currently available in 49 states.

Allstate Milewise pay-per-mile program

Allstate’s pay-per-mile service, which charges drivers a base rate plus a per-mile rate, is called Allstate Milewise. The base rate will be charged similarly to traditional car insurance policies by taking into account your driver profile and driving record. The per-mile rate is usually a few cents per mile.

Allstate Milewise is currently only available in 21 states:

  • Arizona
  • Delaware
  • Florida
  • Idaho
  • Illinois
  • Indiana
  • Maryland
  • Massachusetts
  • Minnesota
  • Missouri
  • New Jersey
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Texas
  • Virginia
  • West Virginia
  • Washington
  • Wisconsin

Allstate’s claims satisfaction guarantee

Allstate offers a claims satisfaction guarantee, giving a straightforward path for recourse if policyholders are unsatisfied with their claims service. If for any reason policyholders are unhappy with their claims payout or experience, Allstate aims to make good on their guarantee and grant a six-month credit towards your bill. There is some fine print that dictates when you can qualify:

  • The auto insurance policy and the claims satisfaction guarantee were active on the day of the covered loss.
  • Allstate has made a payout for the claim.
  • The policyholder has mailed a letter explaining the problem within 180 days of the accident.
  • Limit one credit per claim and per vehicle.
  • May not be available in all states.

It is rare to not obtain a payout within the first six months. But even if, for example, the insured vehicle is parked at an auto repair shop waiting for extra parts past the six-month period, customers can still submit letters. Allstate agents say that the guarantee is on the more flexible side when there is sound cause for dissatisfaction.

Buying an Allstate auto policy

Buying auto insurance through Allstate is most similar to buying insurance from State Farm. You can start a quote online and then finalize it with an agent, or you can call or go to an agent directly to get a policy. Allstate requires everything to go through an agent, which can be less desirable for people wanting a quick transaction and process.

If you want a totally online experience, we’d suggest Geico, Progressive or Esurance (which is actually a subsidiary of Allstate). All 12,000 Allstate agents only work for Allstate — they do not sell products from other insurance companies — and they are meant to give you a superior customer experience.

Allstate does have a “Bumper-to-Bumper Basics” tool that lets you fill in some information about yourself to determine how much coverage you should purchase. While the tool will be helpful for those new to auto insurance, because your quote ultimately will go through an agent, they will probably be better at assessing how much coverage you should have.