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Allstate Auto Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
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.

Auto
84.77
out of 100
87.59
87.40
79.00
85.93
86%
96%
A+
October 31, 2019
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Reasons for Buying from Allstate

Customers of Allstate originally decided to purchase from the company for these reasons:
Offered best price32%
Reputation25%
Recommended by friend or family member18%
Saw TV commercial8%
I had other insurance with this company7%
Was the company my parents had5%
Financial Strength rating2%
Saw online ad2%
The company website and mobile apps are easy to use and helpful1%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 55%
I probably would recommend this company. 31%
Neutral 10%
I probably would not recommend this company. 3%
I would not recommend this company. 1%

Would you renew?

Yes 96%
No 4%

Website and Apps

How easy to use and how helpful they are
40%Completely satisfied - Gives me what I want and more.
40%Satisfied - Fulfills my needs okay.
10%Neutral - No good or bad feelings on this.
9%Never visited or used website or mobile app.
1%Very unsatisfied - Their digital offerings are not good at all or nonexistent.
0%Not Satisfied - Is not a good website or app.

How You Prefer to Deal with Insurers

38%Phone
7%Email
32%In person
4%Mobile App
19%Interactive website
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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 2020: How Allstate Auto Insurance Stacks Up

With a total overall score of 84.77 Allstate placed seventh overall in this year’s consumer survey. Allstate’s highest score was an impressive 85.93 giving it second place for its website and apps’ usefulness. Claims handling was a sticking point for consumers as Allstate came in sixteenth place with a score of 87.59. Still, it missed cracking the top 10 for claims by less than two points. And even so, 96% of consumers surveyed said they planned to renew with Allstate, the second-highest percentage for that metric, and 86% said they’d recommend the company.

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. For auto insurance, Allstate (NAIC# 19232) had a complaint ratio of 1.10 for 2018. 2019 complaint numbers will be available in 2020.

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 Usage-based/Telematics. Rates can be based on your mileage and how you drive.
New car replacement New car replacement. If you total your car the insurer will pay for a new car.
Mobile app Mobile app. The insurer offers an app for smartphones.
Vanishing deductible Vanishing deductible. Your deductible will be reduced as long as you have no accidents or moving violations.
Accident forgiveness Accident forgiveness. Your rates won't increase after your first accident.

Discounts

Multi-vehicle Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag) Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement Academic achievement. Discount for full-time students who meet certain academic criteria.
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