Best Car Insurance Companies

Allstate Auto Insurance Reviews And Ratings

Updated on
allstate
Allstate Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 84%
Who Plan to Renew 89%
AM Best Financial Strength Ratings A+

About Allstate Car Insurance Company

Customer service/Claims800-255-7828
Corporate HeadquartersAllstate Insurance Company
2775 Sanders Rd Ste F8
Northbrook, IL 60062

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.

Allstate Car Insurance Coverages

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

Allstate Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condominium
  • Manufactured home
  • Umbrella liability
  • Life insurance

How likely customers would recommend this company?

51% I would definitely recommend this company
33% I would probably recommend this company
10% Neutral
3% I would probably not recommend this company
3% I would not recommend this 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?

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

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Allstate’s customer complaint ratio for Private Passenger Auto insurance is 1.07
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Allstate available?

Customer Reviews

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:

Customer Reviews

284 Reviews. 3.5 Stars out of 5
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