Allstate auto insurance review and ratings

Allstate is 11th in the 2024 Insure.com Best Car Insurance Companies ranking with 3.78 stars out of 5. Allstate was ranked No. 1 for claims handling and rated well in several other categories.

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Our take

Allstate is 11th in the 2024 Insure.com Best insurance companies ranking for auto insurance with 3.78 stars out of 5.

Allstate’s average premiums are higher than many competitors – a company’s rates can bring down its star ranking as price is a major part of the score. Of the companies on our list, only one, CSAA, has a higher monthly premium. Allstate, however, was the No. 1 ranked company for claims service in Insure.com’s survey of insurance consumers and did well in several other categories.

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: 3.8
Average Premium: 1.3
NAIC: 0.65
Customer Satisfaction: 4.0
AM Best Rating: A+

Pros and Cons

Pros:
  • Top among ranked companies for claims service
  • One of the top companies for digital experience
  • Almost nine out of 10 customers said they’d recommend Allstate to others
Cons:
  • Didn’t rank as highly as some companies for renewal rates
  • Higher premiums than competitors

How much Allstate costs

Allstate was the second-most expensive auto insurer in our 2024 Insure.com ranking with an average monthly premium of $209. CSAA Insurance Group was the only company with higher rates at $217 per month. The table below shows how much auto insurance from Allstate compares with the monthly rates from some of its competitors. 

Company Monthly rate/premium
USAA $115
Erie $123
Auto-Owners $129
Nationwide $129
Travelers $132
Auto Club Group (ACG) – AAA $135
American Family $142
Geico $147
State Farm $165
Progressive $166
Amica $185
Auto Club of Southern California (Auto Club Enterprise Insurance Group) $192
Mercury $193
Farmers $199
Allstate $209
CSAA Insurance Group $217

How Allstate scores on customer satisfaction

Three-quarters of Allstate customers reported satisfaction with the company’s customer service, which is about average among the companies in our survey. However, Erie (90%), which led the category, American Family (89%) and State Farm (84%) scored better for customer satisfaction.

Company Percent of customers who are satisfied
Allstate 75%
State Farm 84%
Travelers 71%

How Allstate scores on ease of service

More than 80% of Allstate rated it highly for ease of service, which considers the ease of accessing policy documents and services. Most companies had scores in the 70th and 80th percentiles. Erie had the highest score among ranked companies in this category, with 90% of its customers giving it high marks.

Company Percent of customers satisfied with the company’s ease of service
Allstate 82%
Erie 90%
Nationwide 74%

How Allstate scores on policy offerings

For policy offerings, 80% of Allstate respondents said they were satisfied with the company in our survey. The company’s policy offerings include classic car insurance, standard auto insurance coverages and umbrella insurance. Allstate had a good rating in this category, which Erie won at 88%.

Insurance company Percent of customers satisfied with the company’s policy offerings
Allstate 80%
American Family 87%
Farmers 79%

Would current customers recommend Allstate to others?

In our survey, 88% of Allstate customers said they’d recommend the company to others. Some competitors had higher scores, including State Farm. Erie was the leader in this category with 100% of its customers saying they’d tell others about it.

Company Percent of customers who would recommend the company to others
Allstate 88%
Erie 100%
Farmers, Auto Club of Southern California 90%

How trustworthy is Allstate?

Seventy-five percent of Allstate’s customers gave it high marks for trustworthiness – most insurers earned scores in the 70th and 80th percentile. The top scorer was Erie at 86%

Company Percent of customers who say they trust the company
Allstate 75%
Erie 86%
State Farm 82%

Do Allstate customers plan to renew?

Nearly 90% of Allstate customers said they’ll renew their policies, but it wasn’t the highest score. All Erie customers who responded to our survey said they plan to renew.

Company Percent of customers who plan to renew with the company
Allstate 87%
Erie 100%
Farmers, Travelers 90%

How Allstate scores on claims handling

Allstate was the No. 1 company in our ranking for claims handling, with 86% of customers saying they were satisfied or highly satisfied with how their claim was handled. State Farm was a close second at 85%.

Company Percent of customers who are satisfied with the company’s claims handling
Allstate 86%
State Farm 85%
Farmers 75%

How Allstate scores on digital experience

For the Allstate digital experience – which includes its website and app – 57% of Allstate respondents gave it a high score. Allstate was one of the top companies for digital experience behind Geico (64%) and Progressive and CSAA Insurance Group (60%).

Company Percent of customers satisfied with the company’s digital experience
Allstate 57%
Geico 64%
American Family 40%

How Allstate scores for discounts

Sixty-one percent of Allstate customers gave it high grades for discounts, Auto Club of Southern California was the top-scoring company at 70%, and most insurers scored in the 60th percentile.

Company Percent of customers satisfied with the company’s discounts
Allstate 61%
Amica 60%
American Family 57%

How Allstate scores for bundling home and auto policies

Allstate scored in the upper half among its competitors for bundling home and auto policies, a category topped by Erie (69%), American Family (66%), Travelers (62%) and State Farm (61%).

Company Percent of customers satisfied with the company’s home and auto bundling
Allstate 59%
Erie 69%
Auto-Owners 45%

Allstate car insurance coverages

  • Motorcycle insurance
  • ATV and off-road vehicle insurance
  • RV insurance
  • Boat and watercraft insurance
  • Snowmobile
  • Classic car insurance
  • Mexico car insurance

Allstate additional policies

  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Landlord insurance
  • Term life insurance
  • Business insurance
  • Identity protection
  • Phone protection

Allstate car insurance coverage options

  • Collision
  • Comprehensive
  • Liability
  • Medical payments
  • Uninsured and underinsured motorist coverage
  • Roadside coverage
  • Personal injury protection
  • Personal umbrella policy
  • Rental reimbursement

Allstate car insurance discounts

  • Multiple policy
  • Drivewise (telematics)
  • New car discount
  • Smart student discount
  • Automatic withdrawal, paperless and full pay discounts
  • Safe driver
  • Anti-theft device discount

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. It also 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. “Car insurance coverages and policies” Accessed February 2024.

Methodology

Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage.

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

Finally, respondents 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 selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking.

The editors also collected insurance rate data from Quadrant Information Services.

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 insurers, we took the following and gave each a weight.

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

Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.

author image
Laura Longero
Executive Editor

 
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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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