Allstate performs well in service, digital tools and bundling discounts in Insure.com’s 2026 Best Auto Insurance Companies survey, though its rates are higher than most competitors. Customers appreciate Allstate’s strong agent network and reliable renewal experience, but the insurer receives lower marks for claims handling and policy offerings.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
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Allstate is ranked No. 7 overall among national carriers in our 2026 Best Car Insurance Companies survey, with 3.57 stars out of 5. It’s one of the most recognizable insurers in the country, backed by strong financial stability, a robust agent network and competitive bundling discounts.
Allstate earns solid marks for ease of service, discounts and renewal rates, showing that customers value the company’s digital tools and the convenience of having a personal agent. However, Allstate’s premiums are among the highest in our analysis and customers give the company lower scores for claims handling and policy offerings.
Despite these trade-offs, Allstate stands out for drivers who want hands-on support, strong bundling savings and a company that keeps customers. Keep reading for a full breakdown of how Allstate performs across customer satisfaction, trust, claims experience, service, discounts and overall value.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
Allstate is a good choice for you if:
It might not be the best choice if:
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Allstate is one of the most expensive companies in our survey most years, and this year is no exception. The only more expensive company is Mercury. Allstate’s average monthly premium for a full coverage policy is $267 – about $100 more per month than both American Family and Travelers.
Allstate earned one of the lower scores for customer satisfaction among the companies surveyed by Insure.com, above Progressive, Safeco and Amica.
However, when it comes to ease of service, Allstate performed significantly better, scoring 90% in a tie with top national insurers GEICO and Liberty Mutual. Finally, when it comes to policy offerings, Allstate’s customers scored it at 81%, which was 4 points below the category average of 84%.
Most insurance consumers surveyed said they’d recommend their insurer to their friends and family members, and Allstate’s customers were no different – 89% of customers said they’d recommend the company. When it came to trustworthiness, Allstate earned a score of 90%.
For renewals, Allstate was one of the better companies in our survey with a score of 93%, just one point behind top national insurers Nationwide and Farmers.
When it comes to claims handling, Allstate’s 78% score was right at the category average – companies scored anywhere from the low 60th percentile to the high 80th percentile. For digital experience, which measures how people feel about an insurer’s app and website, Allstate earned an 84% satisfaction rate.
Discounts were a strong category for Allstate. Although 69% doesn’t look like a high score, it’s higher than the category average of 61%. And for home and auto bundling, Allstate had the highest score among national insurers at 85%.
Allstate offers the following coverage options to policyholders:
1) Liability: Bodily injury liability covers the other driver’s medical costs, while property damage liability pays for their vehicle repairs in the event of an accident.
2) Collision: Pays to repair or replace your vehicle up to its cash value if it’s damaged in a crash.
3) Comprehensive: Covers damage to your car from non-collision events like theft, fire, severe weather or falling objects.
4) Medical payments: Covers medical bills for you and your passengers after an accident, regardless of fault.
5) Underinsured and uninsured motorist coverage: Covers damages if an uninsured or underinsured driver hits you.
6) Rental Reimbursement: Covers your rental car costs while your vehicle is in the shop for a covered claim.
7) Personal injury protection: Pays for medical bills, hospital visits, childcare, lost income and other related costs after an accident, irrespective of fault.
8) Rideshare insurance
9) Roadside assistance
10) Accident forgiveness: It’s an add-on coverage that lets you avoid a rate hike after a crash, even when you’re at fault.
11) Gap insurance: This coverage bridges the gap between your vehicle’s depreciated value and your outstanding loan or lease after a total loss.
12) Custom parts and equipment (CPE) endorsement: To protect your modified vehicle, consider adding a custom parts and equipment (CPE) endorsement or a specialty classic-car policy.
Allstate offers several discounts that can help lower your car insurance rates.
The insurer states that individuals who switch their auto policy to Allstate may save $713 on their premiums, taking advantage of multiple discounts. However, potential savings vary and may not be available in every state. For instance, the Drivewise discount is not available in California and Alaska.
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Note: Availability may vary.
Founded in 1931 and headquartered in Northbrook, Illinois, Allstate is one of the largest personal lines insurers in the United States, best known for its “You’re in Good Hands” slogan and nationwide network of agents.
The company provides a wide range of auto, home and life insurance products, supported by strong financial stability and extensive claims resources. Allstate is recognized for its digital tools, telematics programs and broad coverage options designed to serve millions of households across the country.
Contact Allstate at 1-800-255-7828 or visit www.allstate.com
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.