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