Allstate auto insurance review and ratings 2023

Allstate is ranked ninth in the 2023 Insure.com Best Insurance Companies survey for auto insurance with 2.7 stars out of 5. Most customers say they’re planning to renew their policies.

Reviewed by: Laura Longeroquality verified
Laura Longero
Laura Longero

Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media.

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Our take

Allstate ranked highly in Insure.com’s 2023 Best Car Insurance Companies list for ease of service and for expansive policy offerings. Overall, Allstate ranked No. 9 with 2.69 stars, which we rounded to 2.7, out of 5 stars.

However, Allstate’s premiums are higher than many of its competitors – a company’s rates can bring down its star ranking. Of the top 10 companies on our list, none has a higher annual premium.

Still, Allstate is the fourth-largest insurance company regarding premiums written – with 10% of the direct premiums written, according to AM Best’s 2022 numbers. AM Best gives the company A+ credit rating for financial stability and J.D. Power gives its a good score of 832 for customer service out of a possible 1,000.

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

allstate
Allstate Ratings
Overall Rating: 2.7
Average Premium: 2.0
NAIC: 0.95
Customer Satisfaction: 4.2
AM Best Rating: A+

Pros and Cons

Pros:
  • Good for ease of service
  • Solid customer satisfaction ratings
Cons:
  • Like many other auto insurers, had a low digital experience score.
  • Higher premiums than competitors

How much Allstate costs

Allstate is one of the top three most expensive insurance companies, according to 2022 Insure.com data. The table below shows how much auto insurance from Allstate compares with the monthly rates from some of its competitors.

Company Monthly rate/premium
Allstate $174
Geico $106
Progressive $141

How Allstate scores on customer satisfaction

As far as customer satisfaction, 84% of Allstate customers were happy with the company’s customer service, which was an average rating in our survey. Allstate’s J.D. Power rating was 832 – right around the average of 834 – for car insurance company customer service in 2022. J.D. Power grades auto insurance companies on state/regional levels – it doesn’t offer national scores – so we averaged the state/regional results to see how the companies did as a whole.

Company Percent of customers that are satisfied
Allstate 84%
Farmers 78%
Liberty Mutual 92%

How Allstate scores on ease of service

Allstate ranked high on the ease-of-service metric, which considers the ease of accessing policy documents and services. At 88%, it came in third among the top auto insurers rated in the survey.  Most companies had scores in the 70th and 80th percentiles. Liberty Mutual and USAA had the highest scores in this category among the companies in our insurance-consumer survey.

Company Percent of customers satisfied with the company’s ease of service
Allstate 88%
Liberty Mutual and USAA 92%
Travelers 85%

How Allstate scores on policy offerings

For policy offerings, 83% of Allstate respondents said they were satisfied, which was about average in our survey. The company’s policy offerings include classic car insurance and standard auto insurance coverages, as well as umbrella insurance.

Insurance company Percent of customers satisfied with the company’s policy offerings
Allstate 83%
American Family 83%
Progressive 84%

Would current customers recommend Allstate to others?

In our survey, 86% of Allstate customers said they’d recommend the company to others. A few competitors had higher scores, including State Farm.

Company Percent of customers who would recommend the company to others
Allstate 86%
State Farm 94%
Farmers 84%

How trustworthy is Allstate?

Allstate had one of the higher scores in this category. It bested Nationwide, Erie, Geico and others for trustworthiness. Allstate and Travelers tied for second among the companies we ranked. State Farm had the highest score in the category among the top 10 companies.

Company Percent of customers who say they trust the company
Allstate 81%
State Farm 84%
Travelers 81%

Do Allstate customers plan to renew?

Yes, with 90% of its customers saying they’ll renew. But that wasn’t the highest score. All USAA customers who responded to our survey said they’d re-up.

Company Percent of customers who plan to renew with the company
Allstate 90%
Nationwide and Progressive 97%
USAA 100%

How Allstate scores on claims handling

For claims handling, Allstate customers rated it in the top third of all insurance companies, showing customer confidence in the company’s claims service. Looking at another metric: Allstate had the second best J.D. Power’s claims satisfaction survey, at 889/1,000, among the companies we ranked.

Company Survey score for claims handling
Allstate 86%
Geico 76%
State Farm 66%

How Allstate scores on digital experience

For the Allstate digital experience – which includes its website and app – respondents gave Allstate a survey score of 34%. It should be noted that none of the top companies scored well in this area and that Allstate had one of the better scores. The Allstate app has 4.8 stars with 817K ratings in the Apple App Store.

Company Survey score for digital experience
Allstate 34%
Geico 35%
Progressive 23%

How Allstate scores for discounts

Respondents ranked Allstate as one of the better companies in our survey with a 75% survey score for discounts. Only four other insurers, including Progressive, had slightly higher rankings.

Company Average discount Survey score for discounts
Allstate 8% 75%
Geico 7% 75%
Progressive 8% 76%

How Allstate scores for bundling home and auto policies

Allstate scored in the upper rank for bundling home and auto policies. It was topped by State Farm, American Family and Travelers. Of the top 10 companies, Allstate, at 63%, had the fourth-best score.

Company Discount for bundling home and auto Survey score for bundling home and auto
Allstate 16% 63%
State Farm 16% 75%
American Family 18% 81%

Allstate car insurance coverages

  • Personal and commercial auto insurance
  • Motorcycle insurance
  • RV insurance
  • Boat and watercraft insurance
  • Snowmobiles
  • ATV and off-road vehicle insurance
  • Roadside assistance

Allstate additional policies

  • Homeowners
  • Renters
  • Condo
  • Term life
  • Business

Allstate car insurance coverage options

  • Collision
  • Comprehensive
  • Liability
  • Medical payments
  • Uninsured and underinsured motorist coverage
  • Personal injury protection
  • Personal umbrella policy
  • Rental reimbursement
  • Roadside coverage
  • Classic car insurance
  • Car insurance for travel to Mexico

Allstate car insurance discounts

  • Multiple policies: Bundle with home or renters and save
  • Drivewise: Safe-driving telematics device
  • New car: Save when the vehicle is new, and you are the first owner
  • Smart student: Young drivers qualify when they meet the requirements for good grades
  • EZ Pay: Save when automatic withdrawals for monthly payments are established
  • Full Pay: Pay your premium in full and save
  • Anti-theft: Find savings when you have an anti-theft device in your vehicle

States where Allstate offers coverage

Graph
Table
States where Allstate offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
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
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Company background

allstate

Allstate protects about 16 million households with insurance products, including auto, life, renters, condo and property insurance. Allstate has more than 12,000 exclusive agencies and financial representatives across the U.S. and Canada, making it highly accessible for anyone who prefers to deal with an agent in person. And Allstate offers identity protection to help customers monitor their credit, data and identity.

In addition, the company launched the Allstate Foundation in 1952 to advance racial equality and build non-profit leaders through its Nonprofit Leadership Center. In 2020, during the COVID-19 pandemic, it offered Shelter-in Place Payback, which put nearly $1 billion back in the pockets of auto insurance customers.

Resources & Methodology

Sources:

Allstate. “Allstate Identity Protection.” Accessed December 2022.

Allstate. “Car Insurance by State.” Accessed December 2022.

Allstate. “Insurance and More.” Accessed December 2022.

Allstate. “Our History.” Accessed December 2022.

J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds.” Accessed December 2022.

J.D. Power. “Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds.” Accessed December 2022.

Methodology

Insure.com in the fall of 2022 surveyed more than 1,500 people with auto, home, life and health insurance (1,080 people with auto insurance). The survey was conducted by online market research company Slice MR. Respondents were asked to name their insurer and the editors then selected – based on the number of responses – the top companies for this year’s Best auto insurance companies ranking. Insure.com needed 20 or more of a company’s customers to respond to the survey for that insurer to be included in the ranking, although in some categories the editors did consider companies with 18 or 19 responses.

Respondents were first asked to grade their insurer in the following categories – customer satisfaction, claims satisfaction and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Survey score calculation: Respondents were then asked to rank their insurer’s top three attributes out of more than a dozen presented – including customer satisfaction and policy offerings. For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as scores. 

Respondents were then asked if they would recommend their insurer to someone else. The percentage who said yes is presented in the results.

They also were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then collected National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives, and AM Best data, which measures financial strength. 

They also collected insurance rate data from Quadrant Information Services (for auto and home insurance), Compulife (for life insurance) and the public health marketplace (for health insurance).

With the help of Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto and home insurers, we used the following weights to calculate the overall score for each company: 

  • AM Best: 25% of total score
  • NAIC: 15% of total score
  • Annual premium: 20% of total score
  • Survey: 40% of total score (10% customer satisfaction, 10% recommended and 10% renewal rate, 10% claims handling)

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