Allstate Auto Insurance Review 2023

Allstate is one of the largest insurance providers in the country. It offers a wide range of auto policies, including coverage for motorhomes, RVs, and classic cars. You can get a quote online or connect with an Allstate agent near you.

Who It’s Best For:

• Renters or homeowners who want to bundle their home and auto insurance
• Teen drivers and their parents

Who It’s Not Best For:

• Hybrid or electric vehicle drivers (no discounts are available)
• People who prefer customer service via text

• Bodily injury liability: Liability coverage is required in most states and covers damages when you are the responsible party in an accident. When someone else is injured, bodily injury insurance pays for the other person’s medical bills, medications, and lost wages.
• Property damage liability: Like bodily injury liability, property damage liability covers the cost of repairing another person’s property in an accident, such as their vehicle, fence, or yard. Likewise, your insurance may cover the cost of a rental vehicle if the other party’s car was damaged in an accident.
• Collision: Collision insurance protects your vehicle when it is damaged in an accident, whether or not you are at fault. No state requires collision insurance, but we recommend it, as it’ll cover your car’s damages after a crash (but not for events like weather and vandalism).
• Comprehensive: Comprehensive coverage encompasses all damages not from collisions, like damage from weather events, theft, vandalism, and hitting animals. It does not cover normal vehicle wear and tear.
• Medical payments: While liability coverage covers the medical expenses of an affected party when you are at fault, medical payments coverage protects you and your passengers regardless of fault.
• Personal injury protection (PIP) coverage: Personal injury protection, also known as no-fault insurance, covers medical expenses and lost wages. No-fault states like Florida require PIP.
• Mexico coverage: Allstate works with insurance companies in Mexico to provide coverage for medical bills and car repairs if you’re involved in a car accident while visiting Mexico.
• Uninsured/underinsured motorist coverage: Uninsured and underinsured motorist coverage protects you from irresponsible drivers. You won’t pay out of pocket when you aren’t at fault.
• Roadside assistance: Allstate Roadside offers 24/7 roadside assistance for tows, jump starts, flat tires, and lockouts. This add-on coverage starts for as low as $25 per vehicle.
• Windshield and glass: Allstate policies come with Auto Glass Claim Express; you can choose from over 7,200 repair shops to schedule a repair.
• Rental reimbursement: Rental reimbursement coverage is an optional coverage that helps you pay for a rental car or public transportation fare if your vehicle is being repaired under a covered insurance claim.
• Personal umbrella policy (PUP): An umbrella policy provides liability coverage above standard auto insurance. Allstate’s optional personal umbrella policies give you an extra layer of protection anywhere in the world for bodily injury, personal injury, or property damage.

Your auto insurance premium from Allstate will depend on your driving record, age, gender, mailing address, and vehicle’s make and model. Allstate’s average annual cost is $1,673. Request a quote online or reach out to your local Allstate agent to confirm your rate.

• Multiple-policy discount: Bundle your auto insurance with home or renters insurance to save time and money. You can save up to 25 percent when you bundle Allstate home and auto insurance policies online.
• New-car discount: You can save on your car insurance policy if your vehicle is a current model year or one year prior and you are the first owner.
• Smart student discount: Save money with the smart student discount if you are under the age of 25, unmarried, and:
  • A full-time student with grades averaging a B- or above or a GPA of 2.7 or above
  • Someone who has successfully completed the teenSMART® driver education program
  • Someone who has attended school at least 100 miles from where your car is garaged
• Safe Driving Bonus: Practice defensive driving and other safe driving practices, and you’ll earn a credit toward your car insurance policy for every six months without an accident.
• Vehicle equipment discounts: With Allstate, you will save on your premium if your car is equipped with an anti-theft device.
• FullPay discount: You will save when you pay your policy in full or if you have not received a cancellation notice for nonpayment in the past year.
• Paperless and automatic billing discounts: Set up an automatic withdrawal to pay your premium via the Easy Pay Plan, or go paperless by signing up for ePolicy and save money.
• Early signing discount: Allstate offers a discount when you sign your policy seven days or more before it becomes effective.

Allstate auto insurance is available in all 50 states; Washington, D.C.; and Canada. Allstate agents operate as small businesses in your local community, so they know the ins and outs of the areas.

You’ll find the heaviest density of Allstate agents in major cities, but Allstate has local offices throughout all 50 states. Type your address into Allstate’s agent locator tool to find the agent closest to you!

Allstate offers technology and digital tools alongside live customer support and assistance. In addition to agents across the country, Allstate has robust online tools and resources.

Access Allstate’s services through its iOS app, Android app, or online account portal. Tweet @Allstate with questions or call 1-800-ALLSTATE (1-800-255-7828). You can also mail documents to your Allstate agent if you prefer.

Allstate provides customer service and claims support on its app, which is available on both iOS and Android devices. Allstate Mobile is rated 4.8 out of five stars by iOS users and four from Android users. Here are some of the features available on Allstate’s mobile app:

• Drivewise: Allstate’s Drivewise program provides insights into how you drive and rewards you for everyday safe driving. Drivewise includes Crash Detection, a safety feature that can send assistance if you’re in a crash.
• ID cards: You can access digital proof of your insurance cards on your phone.
• Payments: Make a payment, manage AutoPay, and review your policy bill and payment history on the Allstate app.
• Roadside assistance: Even if you’re not an Allstate customer, you can access on-demand roadside assistance without logging in — any driver, any car, any time.
• QuickFoto Claim: Upload photos of damage following an accident to the app to process a claim quickly.

• Better Business Bureau rating: Allstate has an A rating from the Better Business Bureau (BBB) as of July 2022¹. The company is not BBB-accredited, although individual agencies may be. Check BBB ratings for local car insurance companies from Allstate.
• BBB customer rating: Although Allstate’s BBB rating is high, its customer rating is 1.1. We found the most common complaints were issues with the online payment system and slow or inadequate response to claims; however, most insurance companies have low BBB customer ratings because most people come to the page to lodge complaints.
• J.D. Power U.S. Auto Insurance Study: The 2021 J.D. Power U.S. Auto Insurance Study looked at customer satisfaction with auto insurance companies across 11 geographical regions. Allstate scored 846 in Florida specifically, making it one of the highest-rated auto insurance providers in the state².

General Robert E. Wood founded Allstate as a mail-order company in 1931 during the Great Depression. Two years later, the first Allstate agent debuted at the Chicago World’s Fair in 1933. Allstate continued to grow throughout the decades, launching the Good Driver Discount Plan in 1960 and adding more and more local agents across the United States.

When Joan Ellis was hospitalized in 1950, her doctor comforted her parents by saying, “You’re in good hands.” Her father, Dave Ellis, was a vice president and general sales manager at Allstate. After Joan recovered, he remembered the statement when brainstorming a new marketing slogan. Thus, the Good Hands promise was born.

Allstate became a publicly traded company with the largest IPO to date in 1993, when Sears sold nearly 20 percent of its ownership. Soon after, Sears spun off its remaining shares to make Allstate an independent, 100 percent publicly held corporation.

Allstate offers a wide range of insurance policies to cover everything you hold dear:

• Boat
• Business
• Classic car
• Condo
• Homeowners
• Identity protection
• Landlord
• Life
• Motorcycle
• Off-road vehicle
• Pet
• Phone protection
• Renters
• RV
• Special event
• Voluntary employee and supplemental

Contact your local agent to cancel your auto insurance policy. They may ask you to make a written request. Allstate does not impose a cancellation fee and will refund the unused portion of your premium if you’ve already paid it in full.