Allstate Car Insurance

Ratings

Auto

Overall Rating

Claims Processing

Customer Service

Value for Price

Website and Apps

% Who Would Recommend to a Friend

% Who Plan to Renew

89%

AM Best Financial Strength Ratings

July 01, 2021

A+

HOW WE WEIGH OUR SCORE

Price35%
Customer service25%
Claims20%
Website and app10%
Renew/Recommend10%

WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Reasons for Buying

Customers of Allstate originally decided to purchase from the company for these reasons:

26% Reputation
20% Offered best price
18% Recommended by friend or family member
11% I had other insurance with this company
9% Saw TV commercial
6% Was the company my parents had
5% Saw online ad
3% The company website and mobile apps are easy to use and helpful
2% Financial strength rating

Would you renew?

89% Yes
11% No

Ratings on Website & Apps

Completely satisfied / Outstanding website & apps that give me what I need and more 40%
Fairly satisfied / Fulfills my needs OK 24%
Average website and apps 23%
Very unsatisfied / digital offering is severely lacking 7%
Unsatisfied / website and/or apps are not fulfilling my needs 4%

How do you prefer to deal with insurer and policy?

Phone 38%
In person 30%
Interactive website 17%
Email 10%
Mobile App 5%

Go to Allstate site now to get a quote

Customer Complaint Ratio

( Allstate’s customer complaint ratio for Private Passenger Auto insurance is 1.07 )

1.07

0 1 3 10+

Lower number is better

0 to 1.00

1.01 to 3.00

3.01 and above

About Allstate

Types of auto coverage

Personal auto/Business auto
Ridesharing endorsement
Pay-as-you-drive plan
Motorcycle
Boat/RV

Additional policies offered

Homeowners
Renters
Condominium
Manufactured home
Umbrella liability
Life insurance

Best Auto Insurance Companies 2021: How Allstate auto insurance stacks Up

Allstate ranked among the top 10 in our annual Best Car Insurance Companies review. They earned an InsureScore of three and a half out of five stars with consistent three and a half-star scores in every category from claims, to price, to customer service and even website & apps.

In the 2020 J.D. Powers Auto Insurance Claims Satisfaction study, Allstate received above-average rankings.

When we asked Allstate customers if they planned to renew their policies, 89% said yes and 84% said they’d recommend Allstate to a friend

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

‘You’re in good hands’

Founded in 1931, the Allstate Corp. is the largest publicly held personal lines property and casualty insurer in America. Allstate is on the Fortune 500 list of largest companies in the U.S. The company markets private passenger automobile insurance under three brand names: Allstate, Encompass and Esurance.

Consider Allstate for handshakes, teens or conservative drivers

Allstate has more than 12,000 exclusive Allstate 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.

Parents with newly-licensed teens might benefit from taking teen drivers with them to meet with agents in person to discuss rates and coverages. The Allstate Foundation has created a number of resources geared toward helping teens become safe and responsible drivers. Pair these online resources and live agents with Allstate’s DriveWise app for monitoring of safe driving, and you’ve got a thoughtful plan for your teen driver.

The DriveWise program is a pay-as-you-drive plan that uses telematics to monitor your driving behavior. Conservative drivers should see a discount for consistently safe driving behaviors such as moderate breaking, staying below 80 mph and a low number of miles driven daily.

With DriveWise and the Allstate Safe Driving Bonus you can get Allstate Reward points for completing safe driving challenges. You also can receive a safe driving bonus every six months you are accident free and you can receive deductible rewards, in the form of money off your deductible, for each year you are accident free.

Contact information

Corporate information

2775 Sanders Road
Northbrook, IL 60062
Customer service and claims: 800-255-7828

Coverage Options

Usage-based/Telematics

Rates can be based on your mileage and how you drive.

Accident forgiveness

Your rates won't increase after your first accident.

Vanishing deductible

Your deductible will be reduced as long as you have no accidents or moving violations.

New car replacement

If you total your car the insurer will pay for a new car.

Mobile app

The insurer offers an app for smartphones.

Discounts

Multi-policy

Discount for more than one type of policy with the same insurance provider.

Multi-vehicle

Discount for two or more vehicles on the same car insurance policy.

Driver training/Defensive driving

Discount for an approved defensive driving or driver improvement class.

Academic achievement

Discount for full-time students who meet certain academic criteria.

Passive -restraint (air bag)

Discount for factory-installed safety devices such as an air bag.

Safe driver/clean driving record/good driver

Discount for no accidents or traffic violations, usually for three or five years.

In which states Allstate is available?

States in which Allstate is available
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
West Virginia
Wisconsin
Wyoming
Washington D.C.

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

"Look for a more affordable service. This one is too pricey as it goes up over time."

-Age 22, Pennsylvania

"My experience has been nothing but 'Good.' Easy company to work with."

-Age 26, Florida

"If someone was considering switching to my insurance company, I would tell them about the multiple positive experiences I have had with Allstate."

-Age 27, Missouri

"It is a good insurance company, it is reliable and it serves me well when I need it."

-Age 29, New York

"It is amazing I love them"

-Age 30, Michigan

"It has been good being innsured by Allstate."

-Age 31, Ohio

"Our insurance company was quick with a home insurance claim, but we had to do some legwork on our own for a car insurance claim. Even though the car claim was difficult because the driver at fault was from another country, we should not have had to do any work for the insurance company."

-Age 31, West Virginia

"They give me what I need in an emergency."

-Age 33, Virginia

"They saved me $150/month. With a teen driver on my plan, I about had a heart attack when he said he could drop my payments from 395/mo to 270."

-Age 35, Illinois

"There's nothing inherently good or bad about my insurance company, they're perfectly average, acceptable, reputable, whatever. But that's just the thing: there's nothing outright bad about them but there's also nothing outstanding, nothing that would give me a reason to recommend them other than yeah, they're fine, go ahead. I've never had to file a claim, however, and I think that's really the make or break point for a lot of insurance companies and to see how good/bad they really are."

-Age 35, New York

"Good reputation & good service."

-Age 35, California

"It's very good and has good coverage options. "

-Age 36, Florida

"I would just say to shop around. Allstate is okay but may not be the best for everyone's needs."

-Age 36, Michigan

"Try Allstate you're in good hands."

-Age 36, North Carolina

"This was a really good experience to me."

-Age 36, Wisconsin

"I don't love them but don't hate them either."

-Age 37, New York

"I would say they had better days, but still better than other companies."

-Age 38, Illinois

"I tell others about the multiple discounts we receive because of having multiple cars and lines of services"

-Age 39, Kentucky

"Don't have too many expectations"

-Age 39, North Carolina

"Great prices."

-Age 39, Ohio

"Easy to deal with no issues, and if there was an issues very responsive customer support, easy to understand policy no hidden fees straightforward"

-Age 40, New Jersey

"Good price, good company."

-Age 40, Ohio

"I would look into Allstate because they have many discounts as well as great bundles"

-Age 41, Oklahoma

"They are a good quality company"

-Age 41, Wyoming

"They're quite trustworthy and reliable."

-Age 41, California

"Allstate is always on top of things. I have seen them settle claims in under a week."

-Age 42, Maryland

"I've never experienced any major issues."

-Age 43, Indiana

"They are all the same so an average insurance company in my opinion."

-Age 43, California

"Was very accusing without having all the facts then was told later on that I was right and I wasn't at fault"

-Age 44, New Hampshire

"This is good and trustworthy"

-Age 45, California

"They offer great rates and customer service."

-Age 46, New York

"Consistency, good customer service, average prices"

-Age 47, Texas

"Poor customer service and slow payouts"

-Age 48, North Carolina

"It's been decent. Prices can be high so be careful."

-Age 48, Pennsylvania

"Ease of claim and they have the best customer service."

-Age 49, New York

"It's a great company that offers many discounts and great rates"

-Age 49, Alabama

"The office is efficient and prices are great."

-Age 51, New York

"I like that I always get to talk to a person and not automated. I like that the agent's go above and beyond to help me if I have any questions."

-Age 51, Pennsylvania

"I definitely recommend them to try them. They were outstanding when our home burnt. They always call before renewal to go over the policy's."

-Age 51, Tennessee

"Good price and easy to do business with, quick and easy solution to complaints, courteous people"

-Age 53, Washington

"Allstate saved me an entire house payment on our bundled home & auto policies, even with 5 cars!"

-Age 54, Oklahoma

"Great policy deals and awesome customer service"

-Age 56, New Hampshire

"Not impressed by price or service."

-Age 56, Colorado

"Allstate has always been there when needed and at a great price"

-Age 57, Indiana

"Go for it they are the best"

-Age 57, New York

"That even though I'm a high risk driver, I've never felt I was getting less than respectful, equal service from my company."

-Age 57, Washington

"Great company, awesome agent, decent price"

-Age 58, Indiana

"Very slow with claims. I had to make lots of phone calls, emails, and copies of things."

-Age 60, Florida

"Gives good prices and great coverage"

-Age 60, Washington

"Allstate has been my auto insurance for years, I have never had a problem with them. As a matter of fact about a year ago I was having financial problems and was having problems paying my bill and my local agent and office helped me every way they possibly could. The only thing I have a problem with is that now my insurance keeps going up, just by a dollar or so every 6 months but when you are on a fixed budget that makes a difference. Every time I had a claim they always paid that claim."

-Age 61, Florida

"That they have good rates and customer service too."

-Age 61, Nebraska

"They have the greatest customer service with great premiums"

-Age 61, Alabama

"My broker & assistants are very easy to contact & deal with. Down to earth. No hard sell."

-Age 62, New York

"They are overpriced and they are a hassle to deal with in every level."

-Age 63, Michigan

"Since I have never filed a claim, there isn't much I could say except that the rates are reasonable and customer service is acceptable."

-Age 63, North Carolina

"Allstate is easy to deal with."

-Age 63, Ohio

"Don't expect to ever hear from agent unless the agent has something to sell you."

-Age 63, Pennsylvania

"Best plan options and price. Great customer service. Excellent claims representatives."

-Age 63, South Carolina

"They have low prices, so I would do that. They also bundle everything"

-Age 65, Illinois

"We have never had a problem, the cost is affordable for us, and when we retired they proactively recommended adjusting our policy to save us money."

-Age 66, Maryland

"Quality company with good service."

-Age 67, Texas

"Easy to buy from "

-Age 67, Arizona

"Responsive and knowledgeable about claims or other issues."

-Age 68, Michigan

"Premiums are better than most. I have never made a claim so I don't know how that would go."

-Age 68, New York

"Never had to make a claim so can't offer much advice."

-Age 68, Pennsylvania

"Reliable claims service after an auto accident. Stood by my side through the whole process"

-Age 69, Idaho

"I wouldn't change as I don't think there is another company that has anything better and more appealing than my current company."

-Age 70, Illinois

"It has been good but I haven't reallly needed them."

-Age 70, New York

"Never had any issues and they were always able to answer any questions I had."

-Age 70, South Carolina

"I called and my issue was taken care of that same day."

-Age 70, Texas

"Allstate is the best. I have been with them for 35 years and never had a problem."

-Age 72, Maryland

"Easy to get coverage, pricing is reasonable, customer service is great"

-Age 73, New Jersey

"We've have never had any problems with them."

-Age 73, Wisconsin

"Priced many companies --all very close to each other for a combination of home, car & excess liability but went with Allstate because good reputation."

-Age 75, California

"They do a good job at an affordable price."

-Age 76, Georgia

"Allstate is honest and helpful."

-Age 76, Kentucky

"I have been with Allstate for over 20 years and I am very satisfied with them. Agents and service reps are knowledgeable and helpful."

-Age 78, Ohio

"I drove for 63 years without an accident, but had one last November and they paid over $7,000 without question quickly. Also, we had never had a homeowners claim, but a terrible storm did an awful lot of damage to our home. They inspected it quickly, and paid fairly. We couldn't be happier with our claims experience."

-Age 80, Texas

"I've never had any problems with allstate"

-Age 84, Pennsylvania

"They are reliable, dependable, easy to reach. They might be a little higher than other companies but we have been doing business with for 50 plus years and are very satisfied"

-Age 86, Illinois