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Published: July 25, 2018Last updated: October 18, 2022

Allstate Auto Insurance Review 2022

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The tagline “You’re in good hands with Allstate” has been part of the company’s DNA for over 70 years. Allstate promises to provide affordable and connected protection to empower customers. Is Allstate the right insurance company for you? Read on for all the details about auto insurance from one of the largest publicly held insurance providers in the United States.

Highlights

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

Pros and Cons of Allstate Auto Insurance

Pros

  • Easy to bundle: We identified Allstate as the best for bundling auto and home insurance. You can save up to 25 percent by bundling your home and auto insurance with Allstate. This deal also applies to renters and condo owners.
  • Financial stability: Allstate has received an A+ rating for its financial strength from AM Best since 2017.
  • Excellent customer service: You can reach Allstate through your local agent or contact the company via its Android or iOS app, email, live chat, phone, or the online help center.

Cons

  • No military/veteran discount: Allstate no longer provides active military or veteran discounts.
  • No texting: Allstate’s customer service advantage is the ease with which you can manage your policy online or over the phone with a local agent. If you prefer texting back and forth with your agent, however, you won’t get the most out of Allstate’s customer service.

What Does Allstate Cover?

  • 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.

What Will My Auto Insurance Premium Be?

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.

Discounts

  • 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.

CheckDON'T FORGET

Customers enrolled in Allstate’s Safe Driving Bonus program earn a credit toward their car insurance policy for every six months without an accident.

Availability

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.

State Number of Allstate agents Location(s) of Allstate agent(s)
Alabama 12+ Selma, Millbrook, Prattville, Montgomery, Clanton, Wetumpka
Alaska 5+ Juneau
Arizona 50+ Scottsdale, Fountain Hills, Mesa, Phoenix
Arkansas 6+ Heber Springs, Searcy, Cabot
California 50+ Reedley, Fresno, Clovis, Selma, Sanger, Dinuba, Beverly Hills, Palm Springs, San Diego, Los Angeles
Colorado 50+ Littleton, Lakewood, Denver
Connecticut 50+ Hartford, Waterbury, Derby, Danbury, Middlebury, Bristol, Southington, Southbury
Delaware 17+ Lewes, Milford, Dover, Georgetown, Wilmington
District of Columbia 10+ N/A
Florida 50+ Sebring, Lake Wales, Winter Haven, Lakeland, Lithia, Kissimmee, Valrico, Orlando, Riverview, Haines City, Davenport, Saint Cloud, Celebration, Brandon, Palm Beach, Sarasota, Naples, Miami
Georgia 50+ McRae, Mount Vernon, Hawkinsville, Dublin, Atlanta
Hawaii 19+ Kailua Kona, Hilo, Kihei, Kahului, Wailuku, Honolulu
Idaho 27+ Boise, Eagle, Nampa, Meridian, Kuna, Ketchum, Challis, Salmon, McCall
Illinois 50+ Washington, East Peoria, Pekin, Normal, Chicago
Indiana 31+ Indianapolis
Iowa 8+ Des Moines, Marshalltown, Ankeny, Ames, Urbandale, Iowa City
Kansas 50+ McPherson, Hutchinson, Kansas City
Kentucky 22+ Richmond, Lexington, Mount Sterling, Winchester, Nicholasville, Berea, Stanton
Louisiana 37+ Alexandria,Eunice, Pineville, New Orleans, Baton Rouge,
Maine 14+ Portland
Maryland 50+ Baltimore, Bowie, Laurel, Elkridge, Crofton, Annapolis, Chevy Chase
Massachusetts 50+ Newton, Boston, Framingham, Tewksbury, Cambridge, Roxbury, Chelsea, Lowell, Braintree
Michigan 50+ Traverse City, Ann Arbor
Minnesota 11+ Brainerd, Park Rapids, Minnesota City, Rochester
Mississippi 29+ Madison, Philadelphia, Flowood, Meridien, Canton, Madison
Missouri 9+ Jefferson City, Saint James, Washington, De Soto, Columbia
Montana 4+ Great Falls
Nebraska 36+ Kearney, Bellevue, Omaha, Lincoln
Nevada 50+ Las Vegas, Reno
New Hampshire 17+ Concord, Manchester, Bedford, Derry, Merrimack
New Jersey 50+ Cranbury, Trenton, East Windsor, West Windsor, Jersey City, Englewood
New Mexico 35+ Albuquerque, Rio Rancho
New York 50+ New York City, Buffalo
North Carolina 50+ Chapel Hill, Durham, Cary, Raleigh, Sanford, Charlotte
North Dakota 4+ Bismarck, Stanley
Ohio 50+ Cleveland, Delaware, Columbus, Mount Vernon, Worthington
Oklahoma 49+ Oklahoma City, Bethany, Norman, Shawnee, Moore
Oregon 37+ Bend, Portland
Pennsylvania 50+ Philadelphia, Lancaster, Pittsburgh
Rhode Island 37+ Middletown, Wyoming, Warren, Providence, Greenville
South Carolina 43+ West Columbia, Columbia, Lexington
South Dakota 4+ Pierre, Highmore
Tennessee 50+ Memphis, Nashville, Franklin
Texas 50+ San Antonio, Dallas, Houston, Austin, Houston
Utah 21+ Salt Lake City, Springville, Provo
Vermont 7+ South Burlington, Lyndonville, Burlington
Virginia 30+ Lynchburg, Charlottesville, Farmville, Richmond
Washington 50+ Seattle, Bellevue, Kirkland, Renton
West Virginia 20+ Bridgeport, Oak Hill, Charleston, Dunbar, Parkersburg
Wisconsin 15+ Madison, Oshkosh, Appleton, Portage, Hartford, Verona, Cottage Grove
Wyoming 19+ Casper, Riverton, Worland, Cheyenne

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 Customer Service

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.

Mobile Apps and Online Features

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.

Third-Party Ratings

  • 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.

Company History

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.

Other Insurance Allstate Provides

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

Light BulbBUNDLE UP

Remember that you can save up to 25 percent when you bundle Allstate home and auto insurance policies online. You can also save when you bundle renters and auto insurance, or and motorcycle insurance.

Cancellation Policy

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.

Frequently Asked Questions

Does Allstate have good customer service?

Allstate has good customer service. Allstate’s innovative customer service technology makes it easy to get insurance quotes, submit claims, and contact your local Allstate agent through the app or over the phone.

Is Allstate good at paying claims?

Allstate is good at paying claims. Policyholders can file and track their claims online or with the help of an agent. Allstate’s QuickFoto Claim tool allows you to file claims by snapping a few photos on your phone. Once you file a claim, an Allstate professional will investigate the damages, create an estimate, and contact you so you can begin the repair process.

Does your credit score affect your car insurance premium?

Your credit score may affect your car insurance premium. Most insurers use credit-based insurance scores along with driving history, claims history, and other factors to establish eligibility for payment plans. Bad credit could result in higher costs for auto insurance, while good credit can lower your cost.

Not every state allows insurance providers to use credit scores to determine premiums. In California, Michigan, Hawaii, and Massachusetts, your provider can’t use your credit score to determine your rate.

Allstate’s Drivewise and Milewise programs are based on usage and telematics, which can determine how safe of a driver you are. These coverage options are not related to your credit score.

Does Allstate cover New York?

Allstate covers New York. New York requires liability, uninsured motorist, and personal injury protection coverage. Car insurance costs in New York are the third-highest in the country, but you can save money by bundling your home and auto insurance with Allstate.

Citations

  1. Business Profile for Allstate Insurance. Better Business Bureau. (2022).
    https://www.bbb.org/us/il/northbrook/profile/insurance-companies/allstate-insurance-0654-12014144

  2. Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds. J.D. Power. (2022). https://www.jdpower.com/business/press-releases/2021-us-auto-insurance-study