Allstate car insurance review 2023
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BLUEPRINT
Updated 11:39 a.m. UTC Sep. 20, 2023
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Allstate
Pros
- Lower than average number of consumer complaints.
- Average savings of 15% for bundling home and auto insurance.
- Opportunities to purchase add-ons such as accident forgiveness and disappearing deductible.
Cons
- Average rates are generally higher than competitors we analyzed, even for good drivers.
- Very high rates for teen and young adult drivers.
- Earned a D+ grade from CRASH Network, which can reflect a poor collision repair process.
Why trust our insurance experts
Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 780 companies analyzed.
- 7,800 rates reviewed.
- 5 levels of fact-checking.
Does Allstate have good car insurance?
Allstate offers a variety of car insurance coverages and policy add-ons, but it may not be the best option for many drivers because of its higher-than-average rates. This is especially true for drivers between ages 18 and 25 as well as parents who want to add a teen driver to their policy.
Drivers who have a moving violation — such as a speeding ticket or an accident on their record — will also see higher-than-average rates compared to other insurers in our best car insurance companies rating.
Despite higher rates, there are some benefits to shopping with Allstate. It has a lower-than-average number of complaints from consumers. It offers a vanishing deductible and rideshare insurance. It’s also one of the few insurers we reviewed to offer both pay-per-mile car insurance as well as usage-based insurance (UBI).
As a policyholder, you can take advantage of many discount opportunities, which may help lower your rates. You’ll also have access to a mobile app you can use to access your policy, pay policy premiums and contact an Allstate agent or representative in the event of a car accident.
Allstate compared to other car insurance companies
| Company | Our rating | Average annual cost | Complaint level | LEARN MORE | ||
|---|---|---|---|---|---|---|
| American Family | 5.0 stars | $2,176 | Very low | Compare Rates | Compare rates offered by participating partners | |
| Auto-Owners | 5.0 stars | $1,628 | Low | Compare Rates | Compare rates offered by participating partners | |
| Nationwide | 5.0 stars | $2,041 | Very low | Compare Rates | Compare rates offered by participating partners | |
| USAA | 5.0 stars | $1,412 | Average | Compare Rates | Compare rates offered by participating partners | |
| Geico | 4.5 stars | $1,716 | Average | Compare Rates | Compare rates offered by participating partners | |
| Travelers | 4.5 stars | $1,852 | Very low | Compare Rates | Compare rates offered by participating partners | |
| Westfield | 4.5 stars | $1,759 | Very low | Compare Rates | Compare rates offered by participating partners | |
| Allstate | 3.5 stars | $3,000 | Low | Compare Rates | Compare rates offered by participating partners | |
| Farmers | 3.5 stars | $2,381 | Low | Compare Rates | Compare rates offered by participating partners | |
| Progressive | 3.5 stars | $2,157 | Low | Compare Rates | Compare rates offered by participating partners | |
| State Farm | 3.5 stars | $1,959 | Low | Compare Rates | Compare rates offered by participating partners | |
| Erie | 3.0 stars | $2,144 | Low | Compare Rates | Compare rates offered by participating partners | |
| Safe Auto | 1.0 stars | $2,647 | Very high | Compare Rates | Compare rates offered by participating partners |
Types of car insurance coverage offered by Allstate
- Liability car insurance.
- Collision and comprehensive car insurance.
- Uninsured and underinsured motorist coverage.
- Medical payments (MedPay).
- Personal injury protection (PIP).
- Accident forgiveness.
- Car insurance for travel to Mexico.
- Classic car insurance.
- Gap insurance.
- New car replacement.
- Pay-per-mile insurance.
- Rental reimbursement coverage.
- Rideshare coverage.
- Roadside coverage.
- SR-22 filing.
- Usage-based insurance.
- Vanishing deductible.
Other insurance products from Allstate
- Boat insurance.
- Business insurance.
- Condo insurance.
- Earthquake insurance.
- Flood insurance.
- Homeowners insurance.
- Identify protection.
- Landlord insurance.
- Motorcycle insurance.
- Pet insurance.
- Phone protection.
- Renters insurance.
- Snowmobile.
- Term life insurance.
- Travel insurance.
- Umbrella insurance.
Allstate car insurance reviews
Allstate car insurance has a below-average number of consumer complaints, according to the National Association of Insurance Commissions (NAIC). Reasons for NAIC complaints vary but can include things like unsatisfactory claims settlements or denials, policy cancellations or issues with an adjuster.
While Allstate’s consumer complaint score is low, the insurer did receive a D+ from the CRASH Network, the lowest grade among the insurers we analyzed. The CRASH Network grades insurers annually by surveying collision repair professionals to determine how insurance companies handle the collision repair process. Scores are based on a number of factors, including how well the company handles claims, the quality of repairs and parts used, payment practices and customer service.
Methodology
Our insurance experts evaluated top car insurance companies in the nation to determine which offer the best auto insurance based on average rates, coverage features, collision claims process and consumer complaints.
Each car insurance company was eligible for up to 100 points, based on its performance in the following key categories:
Cost: 50 points. We analyzed rates from Quadrant Information Services based on seven driver profiles for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We awarded up to 50 points based on insurers’ average rates for:
- Drivers in various age groups.
- Drivers with bad credit.
- Good drivers.
- Drivers with infractions, such as speeding tickets, an accident or a DUI on their record.
Consumer complaints: 30 points. We collected complaint data from the National Association of Insurance Commissioners, which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Car insurance coverage features: 15 points. Car insurance policy features can help make coverage more affordable both before and after an accident or covered incident. We evaluated car insurance policies offered by each insurer and awarded points to insurers that offered these valuable benefits:
- Accident forgiveness (5 points).
- New car replacement (5 points).
- Vanishing deductible (5 points).
SR-22 availability: 5 points. After a major traffic violation, some drivers must provide proof that they have the type and amount of coverage required by their state. Proof of coverage is obtained through an SR-22 filing, but not all insurers offer SR-22. Insurance companies that offer SR-22s were awarded points.
Allstate has a low number of complaints compared to other insurers in our best car insurance companies rating. This can indicate overall satisfaction among insurers that had to file a car insurance claim.
However, the company received a poor grade on the annual CRASH Network Report Card, which surveys collision repair professionals. For instance, only 5% of shop owners surveyed said that Allstate was “likely to pay for quality parts rather than pushing for low-quality parts based on price.”
Based on our analysis of the best car insurance companies, Allstate receives 3.5 out of 5 stars. It has a lower-than-average customer complaint ratio, but its rates are above average.
Teen and young adult drivers as well as those with a speeding ticket or accident on their record are unlikely to find cheap car insurance rates with Allstate.
No. Based on our analysis of rates, Allstate’s car insurance rates are above average when compared with other top insurers in the nation. Some drivers will see significantly higher rates with Allstate, especially if they have a moving violation on their record or are between the ages of 16 and 25.
If you’re considering Allstate, be sure to get and compare car insurance quotes from at least two other insurers before you make your decision.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
