Insurance » Auto Insurance Reviews » Allstate Car Insurance Review 2021 – great for clean record drivers
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Allstate Car Insurance Review 2021 – great for clean record drivers

If you're a driver with a clean record, Allstate will treat you with fairly decent rates, but if you have a spotty motoring history, you should look for another insurer.

We may receive compensation from companies that appear on this page. It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

Allstate Car Insurance Review

Allstate's customer convenience drive, discounts, and a wide range of coverages are probably responsible for its popularity among Americans. Allstate is also famous for its personalized support, and it even offers a customer satisfaction guarantee in terms of its claims process.

You should note, however, that the rates offered by Allstate are somewhat more expensive than the provisions of other top insurers. As long as you meet the requirements to partake of the discounts offered by the company, you will enjoy a more balanced rate with Allstate.

If you're a driver with a clean record, Allstate will treat you with fairly decent rates, but if you have a spotty motoring history, you will do well to look for another insurer. Older drivers will also enjoy much lower rates than younger motorists with Allstate.  

Allstate car insurance is one of the most well-known auto policy providers in the US, and its services are available in all 50 states of the country, including Washington DC.

BBB Rating

A+

NAIC Index

0.6
Allstate logo
Allstate logo
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Better Business Bureau

A+

NAIC Complaint Index

0.6

J.D. Power satisfaction

4.2/5 stars

PROS

CONS

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Basic Coverage

Allstate offers more than the regular coverage options in its list of standard products. Here are the advertised primary policy packages:

  • Collision coverage: Pays for damages to your car as a result of an accident or any other collision. 
  • Comprehensive coverage: Covers the cost of fixing damages done to your car due to theft, vandalism, fire, hail, and more.
  • Liability coverage: Pays for any expenses pertaining to property damage, bodily injury, or death of others for an accident you caused.
  • Medical payments coverage: Pays for the hospital treatment for you and your passengers when hurt in a loss.
  • Uninsured and underinsured motorist coverage: Foots the bills if the at-fault motorist has limited or no insurance.
  • Sound system insurance: Pays for damaged or stolen audio and video car equipment.
  • Roadside coverage: Pays for common roadside services like jumpstarting, or tire changing.
  • Personal Injury Protection: Foots the bills for treating sustained injuries in an accident.
  • Personal umbrella policy: Protects you against any incident that is not covered in your auto policy.
  • Rental reimbursement coverage: Pays for renting another car or transportation costs while your insured vehicle is undergoing repairs.
  • Rideshare insurance: Covers for some gaps when you use your car for ride-sharing services.

Extras

In addition to its primary offerings, here are the listed extras by Allstate:
  • Claims satisfaction guarantee: Get your money back if you’re not satisfied with your claim experience.
  • Drivewise: App that tracks safe driving and rewards you accordingly.
  • Allstate rewards: Earn points for good driving habits and exchange the said points for gift cards, designers, etc.
  • Deductible reward: Get $100 removed from your deductibles for every accident-free year – up to $500
  • New car replacement: In the event of a total loss, you get a new car by Allstate if your vehicle is less than two years old.
  • Accident forgiveness: Your at-fault accident won’t increase your rates.
  • Safe driving bonus: Allstate gives you a bonus every six months you are accident-free.

Here are some advantages as well as some disadvantages of Allstate car insurance: 

Benefits

Allstate offers discounts and products that reward drivers for driving safely, such as the Safe Driving Club and Drivewise.

Allstate provides its clients with a lot more coverage options and extras than what many other insurers offer.

Allstate will return your money if you are not satisfied with its claims process.

You can rest assured that Allstate will assign a dedicated insurance agent to you whenever you need one.

You get to enjoy many money-saving opportunities with this auto insurer.

Drawbacks

Allstate’s quote prices are slightly higher than other leading coverage providers.

While many other top insurers will give you discounts for covering multiple vehicles, being a homeowner, or serving in the military, Allstate doesn’t offer you savings for these reasons.

Despite the fact that it offers a claims customer satisfaction guarantee and a personalized service, this provider doesn’t seem to be doing so well in the customer service department.

How to Get a Quote

step 1: Visit the Allstate website and click on “Get a Quote” on the navigation bar. Select “Auto” in the list and type in your zip code on the next page. Fill in personal details about you on the subsequent pages and keep clicking ”Next” when you finish filling the forms.

Allstate Car Insurance - How to get a quote 1

step 2: Then you will enter details about your car and click on “Add Vehicle” when you finish. On the next page, you will give Allstate more information about the car, such as when you got the vehicle.

Allstate Car Insurance - How to get a quote 2

step 3: Next, you’ll tell Allstate more about yourself and any other drivers you want to add to your policy.

Allstate Car Insurance - How to get a quote 3

step 4: Then you will be taken to a discount page, where you'll be shown the discount Allstate offers you based on the information you provided. After that, click on “Next”, and your quote will appear.

Allstate Car Insurance - How to get a quote 4

How to File a Claim

You can file claims via the Allstate Mobile app or by visiting the company’s website. On the site, click on “Claims” then “File a Claim” on the navigation bar.

Allstate Car Insurance - How to file a claim 1

On the next page, you will be required to log in to your account to continue the claims process. Once logged in, follow the prompts and submit all the required information such as details about the incident, contact information of involved parties, etc.

When you’re done, you’ll be given a Claim Number that you can use to track your claim.

Customer Satisfaction Ratings

    • A+ on BBB: BBB assigns ratings from A+ (highest) to F (lowest). BB ratings are based on information in BBB files with respect to factors such as business's complaint history with BBB, type of business, time in business, transparent business practices and more.
    • 1.19/5  on BBB customers reviews (219 reviews): BB customer reviews allow customers to post positive, negative or neutral reviews about marketplace experiences.
    • 1.5/5 on Trustpilot ( 73 reviews): TrustScore is also an overall measurement of reviewer satisfaction, represented numerically from 1 to 5.
    • NAIC: 4.137  – This score gives insight into actual policyholder sentiments toward their policy provider. The baseline complaint index is set at 1.00, so a company with a complaint ratio of 2 for example, has received two times the national market average of complaints annually.
    • A+ on A.M Best: AM Best uses its rating system to judge the strength of a company’s financial holdings and assets.
    •  858/1000 on J.D Power: We considered J.D. Power’s regional auto insurance study as well as J.D. Power’s claim satisfaction survey. 

Auto Insurance Discounts

Allstate definitely provides a lot of discounts for its customers. In fact, it is these discounts that cover for the otherwise high rates. In order to enjoy these money-savers, Allstate car insurance demands that you meet specific requirements. Here are the offered discounts by this company and how you can receive them: 

DiscountHow do you receive it?
New carInsure a new vehicle and be its first owner.
Anti-lock brakeYour automobile must be equipped with anti-lock brakes.
Anti-theft deviceInstall anti-theft equipment in your vehicle.
Multiple policiesBundle two or more policies with Allstate.
Early SigningSign your insurance policy seven or more days before it takes effect.
Responsible payerDo not receive a cancellation notice because of non-payment in the previous year.
Smart student

Be unmarried, under 25 years old and

·       maintain a B- grade or GPA of 2.7 and up,

·       complete teenSMART driver education program, or

·       your school must be at least 100 miles away from where your vehicle is stored.

EZ pay planSign up for automatic policy payment.
Allstate eSmartGo paperless
FullPayPay your premium at once
Safe Driving ClubMeet safe driving requirements and join the club.

Allstate FAQs

Allstate has positive reviews that highlight that the insurer is very good at dealing with customer claims. The insurer has received above average marks in customer satisfaction surveys, which suggests that you should not have any issues should you need to file a claim on your Allstate car insurance policy.

Allstate car insurance is available across 50 states and Washington D.C. As with most providers, the coverage options can vary according to your region or state, but you should be able to access coverage across the USA, which means that there should be no geographical barriers to access.

Allstate offers a wide variety of auto coverage options including additional extras to tailor your policy to suit your specific requirement. There are also numerous discounts available. Even if you have a poor credit history or other factors that would cause an increase in premiums, you are not likely to pay a higher average cost compared to other insurers.

The main difference between American Family and Allstate is in the coverage area. While both companies offer some great discount options and policy add ons, American Family is only available in 19 states.

Additionally, Allstate has a reputation for offering great rates even if you have a less than perfect driving record or credit history.

Finally, while Allstate has solid reviews for its claims process, American Family has reviews that suggest it is slow to process paperwork. This means that overall Allstate is likely to be the better option. 

Allstate is a nationwide car insurance provider offering a variety of coverage options to tailor your policy. Like 21st Century, Allstate offers a variety of discounts, but Allstate has a reputation for offering low rates, particularly if you have a poor credit history.

However, if you’re in California and have a good driving history, you’re likely to find that 21st Century will offer you the best rate. So, if you are in California

Unlike Allstate, Direct Car Insurance has a very limited coverage area, as this insurer operates in just 11 states. While Direct Car Insurance does offer numerous coverage options and plans to tailor a policy, its rates are average. Additionally, if you are a high risk driver, you may struggle to obtain Direct Car Insurance coverage.

Although Direct Car Insurance does offer a number of payment options, unless you have a perfect driving record and live in one of the 11 states, you are certain to find Allstate is the better option.

However, if you’re in California and have a good driving history, you’re likely to find that 21st Century will offer you the best rate. So, if you are in California

Allstate has a great reputation for dealing with customer claims and like AAA, its insurance policies are available across all 50 states. This means that it is a more accessible option compared to AAA where you need to be a due paying member to qualify for coverage.

However, as an AAA member you are likely to access better rates and greater discounts. So, if you are already an AAA member, you may find that this insurer is better suited to your needs and can offer the best deal.

However, if you’re in California and have a good driving history, you’re likely to find that 21st Century will offer you the best rate. So, if you are in California

As with State Farm, Allstate offers insurance across all 50 states. Allstate also offers a variety of coverage options with additional extras to create a tailored policy that suits your requirements. However, while Allstate does offer discounts, you are likely to pay an average cost for your insurance if you have a less than perfect profile.

This gives State Farm the edge over Allstate. You can access low cost car insurance even if you have a driving violation on your record. So, if you are looking for the best deal on your car insurance, State Farm is likely to be the better option.

However, if you’re in California and have a good driving history, you’re likely to find that 21st Century will offer you the best rate. So, if you are in California

Like Progressive, Allstate offers coverage across all 50 states with various coverage options and additional extras. However, Progressive has a long list of available discounts which can bring down the cost of your premiums. Allstate has a reputation for average prices. While there are some discounts, it is neither the cheapest or more expensive option.

On the other hand, Progressive allows you to customize your policy, while remaining one of the most cost effective insurers on the market. So, in most cases, Progressive is likely to be your better option.

Alternatives

Here are our 2 choices of car insurance companies which can use as a great alternative to Allstate:  

The Liberty Mutual Insurance Auto policy is known for its affordable coverage prices and numerous discounts; this may be why it has a sixth-place largest insurer ranking. It provides several coverage options to select from, for you, for others, and your automobile. Some of the packages are standard benefits that come with the policy, while some are additions for a price. This coverage includes vehicle, liability, medical, uninsured driver, car replacement, and reimbursement. Soldiers and school students are entitled to some discounted packages, as are cars and driving methods.

This operator gives a close to maximum coverage for your car needs for a relatively low price. Compared to many other insurance companies, Liberty Mutual has a relatively standard customer care satisfaction ranking higher than its competitors.

You can take advantage of quite a lot of bundling options with Nationwide that you won’t easily find with other insurance firms. Nationwide is great for you if you have a spotless driving record as you will be treated to some of the cheapest rates available. However, if your driving history has some blemish, you might want to look elsewhere for coverage. Seniors will find this company more appealing than youngers as rates tend to get cheaper the older you get.

Car Insurance Companies Review – Methodology

Our expert review team gathers data from many auto insurance providers in order to create rankings of the top insurers. Each company receives a score from each category, along with a overall weighted score of 5.0 stars.

Financial Stability: The highest score in this category goes to insurers with high financial ratings and customer-first practices. Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company.

Coverage: The rating is based upon the types of insurance that are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. Car insurance companies often offer discounts up to 25%-35% for eligible policyholders. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2020) and overall ratio of those complaints to the industry average. 

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.