Allstate Auto Insurance Review: Can you get affordable quotes? (2024)
Affordable Allstate auto insurance rates are $160/mo, which is cheaper than the national average but more expensive than other companies. Allstate auto insurance reviews give it a strong financial rating, and drivers can save 10% with Allstate auto insurance discounts for continuous coverage.
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The Allstate Corporation
Average Monthly Rate For Good Drivers
$160A.M. Best Rating:
A+Complaint Level:
MedPros
- Usage-based auto insurance available with Allstate Drivewise
- Pay-per-mile insurance available with Allstate Milewise
- Competitive rates for teen drivers who complete the Allstate teenSMART driver safety program
Cons
- More expensive auto insurance rates than its competitors
- Average or below-average customer satisfaction in most regions
- One of the worst companies in J.D. Power’s Insurance Shopping Satisfaction Survey
Allstate is one of the most expensive car insurance companies on the market, and Allstate complaints show customer satisfaction is only about average. However, Allstate does offer some great discounts for teenage drivers, and it also offers economical pay-per-mile insurance.
What You Should Know About Allstate
Reading an Allstate auto insurance review before you buy Allstate insurance will help you decide if the company is right for you. Allstate offers many different types of auto insurance coverage and discounts, but its rates are more expensive than most car insurance companies.
Our Allstate review will go over all the pros and cons you need to know about Allstate, from its rates to coverage options. If you find that even the best Allstate auto insurance rates are too expensive for you, use our free quote comparison tool to find the cheapest car insurance in your area.
Allstate Customer Service and Auto Insurance Claims
Allstate has a medium complaint level, which indicates Allstate is average when it comes to customer service and auto insurance claims. In some cases, Allstate customer service may even be considered below average, as it scored poorly in J.D. Power’s Insurance Shopping Satisfaction Survey.
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Allstate Insurance Coverage Options
Allstate insurance policies offer the following car insurance options to drivers:
- Collision
- Comprehensive
- Liability
- Medical Payments (MedPay)
- Uninsured/Underinsured Motorist
- Roadside Assistance
- Personal Injury Protection (PIP)
- Personal Umbrella
- Rental Reimbursement
- Rideshare Coverage
Allstate also offers classic car insurance for owners of older vehicles. However, Allstate does lack GAP and modified car insurance coverages.
Allstate Insurance Rates Breakdown
Allstate car insurance rates are among the most expensive, but your Allstate quotes will vary based on where you live and your driving record. Use this Allstate auto insurance review to compare rates by state, age, and driving record to find the most affordable coverage.
Compare Allstate Auto Insurance Rates by State
Allstate rates will vary among states, as you can see from the table below.
Allstate Full Coverage and Liability-Only Auto Insurance Monthly Rates by State| State | Full Coverage | Liability Only |
|---|---|---|
| Alaska | $280 | $130 |
| Alabama | $270 | $120 |
| Arkansas | $260 | $115 |
| Arizona | $250 | $110 |
| California | $300 | $140 |
| Colorado | $285 | $125 |
| Connecticut | $295 | $135 |
| District of Columbia | $310 | $140 |
| Delaware | $290 | $130 |
| Florida | $320 | $150 |
| Georgia | $280 | $130 |
| Hawaii | $240 | $110 |
| Iowa | $235 | $105 |
| Idaho | $230 | $100 |
| Illinois | $260 | $115 |
| Indiana | $250 | $110 |
| Kansas | $260 | $120 |
| Kentucky | $265 | $125 |
| Louisiana | $330 | $155 |
| Massachusetts | $295 | $140 |
| Maryland | $290 | $130 |
| Maine | $240 | $105 |
| Michigan | $340 | $160 |
| Minnesota | $270 | $120 |
| Missouri | $275 | $125 |
| Mississippi | $280 | $130 |
| Montana | $260 | $115 |
| North Carolina | $255 | $115 |
| North Dakota | $245 | $105 |
| Nebraska | $250 | $110 |
| New Hampshire | $255 | $115 |
| New Jersey | $310 | $145 |
| New Mexico | $270 | $120 |
| Nevada | $295 | $135 |
| New York | $320 | $150 |
| Ohio | $250 | $110 |
| Oklahoma | $275 | $125 |
| Oregon | $265 | $120 |
| Pennsylvania | $290 | $135 |
| Rhode Island | $300 | $140 |
| South Carolina | $280 | $130 |
| South Dakota | $240 | $105 |
| Tennessee | $265 | $120 |
| Texas | $305 | $140 |
| Utah | $260 | $115 |
| Virginia | $270 | $120 |
| Vermont | $245 | $110 |
| Washington | $275 | $125 |
| Wisconsin | $250 | $110 |
| West Virginia | $265 | $120 |
| Wyoming | $255 | $115 |
States like Michigan and Florida will have more expensive rates. However, Allstate is still rated highly for customer satisfaction in states like Florida despite the state’s more expensive auto insurance rates.
Learn more: Florida Auto Insurance
Compare Allstate Auto Insurance Rates by Age and Gender
No matter what company you choose, you will see some variations in rates by age and gender. Auto insurance for teenagers costs the most at Allstate, but expensive teenage driver rates are common among all companies.
Auto Insurance Monthly Rates by Provider, Gender, & Age| Insurance Company | Female (16) | Male (16) | Female (25) | Male (25) | Female (30) | Male (30) | Female (60) | Male (60) |
|---|---|---|---|---|---|---|---|---|
| Allstate | $608 | $638 | $181 | $190 | $168 | $176 | $150 | $154 |
| American Family | $414 | $509 | $136 | $150 | $124 | $136 | $99 | $104 |
| Farmers | $810 | $773 | $172 | $180 | $160 | $167 | $120 | $128 |
| Geico | $298 | $312 | $97 | $93 | $90 | $87 | $73 | $74 |
| Liberty Mutual | $723 | $785 | $187 | $215 | $174 | $200 | $148 | $159 |
| Nationwide | $411 | $476 | $136 | $150 | $124 | $136 | $99 | $104 |
| Progressive | $801 | $814 | $141 | $146 | $131 | $136 | $92 | $95 |
| State Farm | $311 | $349 | $101 | $111 | $94 | $103 | $76 | $76 |
| Travelers | $719 | $910 | $107 | $116 | $99 | $108 | $89 | $90 |
| USAA | $245 | $249 | $80 | $85 | $74 | $79 | $53 | $53 |
Allstate is one of the more expensive companies on the list for all ages, so it may be hard for drivers to get cheap Allstate car insurance.
Compare Allstate Auto Insurance Rates by Driving Record
Accidents, speeding tickets, and DUIs will raise drivers’ rates, as you can see from the table below.
Full Coverage Auto Insurance Monthly Rates by Provider and Driving Record| Insurance Company | Clean Driving Record | One Speeding Violation | One Accident | One DUI Conviction |
|---|---|---|---|---|
| Allstate | $160 | $188 | $225 | $270 |
| American Family | $117 | $136 | $176 | $194 |
| Farmers | $139 | $173 | $198 | $193 |
| Geico | $80 | $106 | $132 | $216 |
| Liberty Mutual | $174 | $212 | $234 | $313 |
| Nationwide | $115 | $137 | $161 | $237 |
| Progressive | $105 | $140 | $186 | $140 |
| State Farm | $86 | $96 | $102 | $112 |
| Travelers | $99 | $134 | $139 | $206 |
| USAA | $59 | $67 | $78 | $108 |
The more violations you have on your record, the harder it will be to get affordable Allstate auto insurance.
Allstate Discounts Available
Below, you can see how Allstate auto insurance discounts compare to other companies.
Auto Insurance Discounts Offered by Top Companies| Discount Name | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
This good selection of Allstate auto insurance discounts can help lower Allstate auto insurance costs.
Allstate also offers some great student auto insurance discounts that can help young drivers save, such as its teenSMART discount. These young driver discounts at Allstate can make it easier to get affordable auto insurance quotes for high school students.
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How Allstate Ranks Among Providers
When you compare Allstate rates to other auto insurance companies, it’s one of the most expensive companies for drivers. For example, our State Farm auto insurance review shows that State Farm’s rates are about half that of Allstate.
Before signing up with an auto insurance company, make sure you do your research and compare it to other options.Daniel Walker Licensed Insurance Agent
However, rates aren’t always the most important factor to drivers. For instance, if you compare Allstate vs. USAA auto insurance, USAA may have cheaper rates, but Allstate has more coverage and discount options.
Read more: Allstate vs. USAA: Which Offers More Affordable Auto Insurance Quotes
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Frequently Asked Questions
How do I file an Allstate auto insurance claim?
You can file an Allstate auto insurance claim through the app, its website, or by phone.
Is Allstate good at paying claims?
Allstate has a medium rating for customer satisfaction and claims, meaning it is about average, and you’ll likely find better claims handling with another company.
Why are Allstate auto insurance rates so high?
Allstate rates are already higher than average, but they may be higher because of your driving record, age, and other factors.
Is Allstate better than Geico?
Geico offers cheaper rates than Allstate insurance, but which company is better will depend on your personal preference.
What states is Allstate auto insurance available?
Allstate auto insurance is available in all 50 states.
Who is Allstate’s biggest auto insurance competitor?
State Farm is one of Allstate’s biggest competitors, as are Geico and Progressive.
Is Allstate known for denying claims?
Is Allstate more expensive than Farmers?
On average, Allstate rates are similar to Farmers rates, with the two alternating between which is more expensive among the different demographics.
Are Allstate auto insurance rates cheaper than Geico?
No, Geico’s auto insurance quotes are usually cheaper that Allstate quotes.
Which is the best for auto insurance, Allstate or Liberty Mutual?
Liberty Mutual rates are actually more expensive on average than Allstate’s rates, making Allstate the cheaper company.
Is it better to buy Allstate auto insurance or State Farm?
Whether Allstate insurance or State Farm insurance is better depends on what you are looking for. Read our State Farm auto insurance review for more information.
Does Allstate sell other types of insurance?
Yes, besides Allstate insurance for different types of vehicles, Allstate also sells property, life, business, identity protection, and phone protection insurance.
How do I contact Allstate customer service?
You can call Allstate insurance customer service at 800-726-6033 or contact them online through its website chat option.
Can you negotiate with Allstate claims?
If you want to negotiate Allstate claims, you will need to have a valid reason for contesting the claim and provide proof.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Kebbeh_Family
Allstate Denied Responsibility-Customer Backed Into Us
EveC
Always lose arbitrations
Valencia Harris
ALLSTATE INSURANCE
Keith_G__
As Discriminatory As You Can Possibly Get
brenda_trammell
RUDE CUSTOMER SERVICE AND SCAMMERS!!!
Akiraw1_
The worst insurance ever
pirish101
Way overpriced! Will scam you if you cancel!
Carolyn0022
Untrained and Ignorant CS Team and Managers
Allstate_Sucks_in_CA
Allstate SUCKS
Shaytys50_
Unprofessional Agent