Summary

Offering a variety of auto insurance options, Allstate is one of the biggest insurance companies in the US.

It has decades of expertise and is renowned for offering substantial discounts, dependable coverage alternatives, and excellent customer service.

Important Features

Options for Coverage: Liability, collision, comprehensive, and uninsured/underinsured motorist coverage are among the regular auto insurance policies offered by Allstate.

They also provide additional specialized coverage, including as accident forgiveness, new car replacement, and ridesharing insurance for drivers who work for Uber or Lyft.

Allstate provides a number of savings options, such as:

discount for several policies (if you combine home and auto insurance)
Discount for safe drivers (for keeping a spotless driving record)
Discount on anti-theft devices
Discount for early signing
Good student discount
Discount for complete payment
Discount without paper

Important Points:

Discounts: Allstate is a wonderful option for people who qualify because it provides a wide range of discounts that can assist reduce premiums.

Ease of Use: Customers typically find it easy to manage their policies and claims because to Allstate’s above-average customer care and interface.

NAIC Complaints: Allstate’s complaint rate is within reasonable bounds for a business of its size, suggesting that, in comparison to other insurers, it is not particularly vulnerable to consumer complaints.

Advantages:

Broad Selection of Coverage Choices: Allstate offers a number of choices to customize your insurance to meet your requirements, such as:

Accident Forgiveness: Your premium could not be impacted by your first collision.
Replacement of New Car: Allstate will replace your new car with a new one if it is totaled (as long as it is within a specific time frame and condition).

Safe-Driving Bonus: Every six months, receive a prize for continuing to drive safely.
Insurance for ridesharing: Great for people who drive for ridesharing services like Uber or Lyft, it’s available in a lot of states.

Cons: Customer scores:

When compared to other insurers, Allstate’s scores for customer satisfaction with vehicle insurance shopping are often below average.

This implies that the process of getting quotations or the general customer experience may irritate some customers.

Based on the main points you raised, the following is an overview of Allstate Auto Insurance:

Important Takeaways 💡 Special Discounts & Coverage Choices:

Allstate distinguishes itself by providing coverage options like accident forgiveness and new car replacement that are not available from many other insurance.
Additionally, they offer incentives for safe driving, such as a bonus every six months, which over time may lower premiums.

There are many savings available, including for safe driving and bundling plans.

Client Contentment:

When compared to other insurers, Allstate’s customer satisfaction scores for vehicle insurance shopping are below average.

This can indicate difficulties obtaining bids, dealing with customer support, or general satisfaction with the purchasing process.

The price of coverage:

Average Full Coverage Cost: Compared to the national average of $2,312, the average annual cost of full coverage with Allstate is $2,962.
Depending on variables including location, driving record, and the chosen coverage options, the price may change.

Evaluation of Performance:

NerdWallet Rating: Allstate’s overall performance received a rating of 4.5 stars out of 5. Consumer experiences, financial strength ratings, and National Association of Insurance Commissioners (NAIC) complaint data are all taken into account in this ranking.

All-inclusive Offering:

Allstate, one of the biggest vehicle insurers in the US, provides numerous options for policy customization and cost savings.

They also offer additional insurance products, such as renters, homeowners, and life insurance.

What Makes Allstate Auto Insurance Unique: Available Coverages

Drivers who work for Uber, Lyft, or other ridesharing services can get rideshare insurance, which offers additional protection when driving for work.

In the event that your car is totaled, gap insurance helps cover the difference between the amount you owe on your loan and the car’s current worth.

New automobile Replacement: Allstate will replace your new automobile with a brand-new vehicle instead of only paying back the depreciated value if it is totaled within a specific time period.

Benefits of Safe Driving:

Safe Driving Program: Every six months, you can receive a credit on your policy if you drive without an accident.

Collision Deductible Reduction:

Up to a $500 maximum, you will receive $100 off your collision deductible for each year you drive accident-free. If you’re a careful driver, this is a terrific method to save money.

Where Allstate vehicle Insurance Fails to Meet Customer Satisfaction:

J.D. Power’s customer satisfaction surveys indicate that Allstate’s ratings for customer satisfaction with vehicle insurance shopping are below average.

This implies that customers’ overall satisfaction may be impacted by their level of aggravation with the buying process or their interactions with the business in general.

Where Customer Satisfaction Is Low with Allstate Auto Insurance:

J.D. Power’s customer satisfaction surveys indicate that Allstate’s rating for consumer satisfaction with auto insurance shopping is below average.

This implies that customers’ overall satisfaction may be impacted by their level of aggravation with the buying process or their interactions with the business in general.

Allstate Auto Insurance Compared to Other Insurers

1. Auto Insurance from Allstate

Rating on NerdWallet: 4.5 out of 5

savings: Provides a wide range of savings, such as accident forgiveness, responsible driving, new car replacement, and bundling.

Ease of Use: Above average—managing policies and claims is typically simple for customers.

For its size, NAIC complaints are about average; there aren’t any serious concerns, although some consumers express mediocre pleasure.

Bottom Line: Allstate is a great choice for those seeking extensive coverage options and discounts, especially if you’re looking for features like rideshare insurance and accident forgiveness.

. Family Auto Insurance in America

Rating on NerdWallet: 5.0 out of 5

Discounts: American Family provides a robust range of discounts (bundling, safe driving, etc.), just as Allstate.

Ease of Use: Better than average—provides policyholders with a simple experience.

NAIC Complaints: Much lower than anticipated—American Family does well in terms of complaint ratios and customer satisfaction.

Conclusion:

Although American Family provides a variety of coverage alternatives, such as gap and ridesharing insurance, its availability is more restricted because it does not offer policies in every state.

One major advantage is its excellent satisfaction scores.

3. Auto Insurance from Liberty Mutual

Rating on NerdWallet: 4.0 out of 5

Liberty Mutual also provides a comprehensive number of discounts, including safe driving, multi-policy, and more.

Ease of Use: Better than average—Liberty Mutual offers good online resources, such as a well regarded website and app for policy management.

More than anticipated—Liberty Mutual has a higher complaint ratio than American Family and Allstate, which may be a sign of a less satisfactory customer experience.

In conclusion, Liberty Mutual is a good choice for people who appreciate extensive savings and powerful digital capabilities.

However, considering the greater complaint rates, customer satisfaction might not be as high.

In summary,

American Family has the greatest NerdWallet rating (5.0/5) and the fewest complaints, making them stand out.

It isn’t readily available in some states, though.
Allstate is a wonderful all-around alternative because it provides a fair combination of coverage options, savings, and overall customer happiness.

For a major insurer, its complaint ratio is more in line with the norm.
If customer service is a top concern, Liberty Mutual’s higher complaint rates could be a drawback despite its fantastic savings and digital tools.

Average Annual Rates for Auto Insurance:

The average annual cost of full coverage auto insurance from Allstate is $2,962, which is more than the $2,312 national average. Compared to other significant insurers:

American Family charges $2,132 for comprehensive coverage and $672 for basic coverage.
Farmers has the most expensive rates, with minimum coverage at $1,115 and comprehensive coverage at $3,809.
One of the less expensive choices is Geico, which charges $1,992 for full coverage and $487 for basic coverage.
Nationwide bills $886 for minimal coverage and $2,704 for full coverage.
Progressive charges $2,227 for full coverage and $658 for minimal coverage.
State Farm charges $2,290 for comprehensive coverage and $537 for basic coverage.

Travelers charges $1,768 for full coverage and $543 for minimal coverage.
Only military families are eligible for USAA’s lowest rates, which include full coverage at $1,456 and minimum coverage at $375.

Important Takeaways: Allstate’s full coverage costs $2,962, more than the $2,312 national average.

Allstate offers full coverage at a premium compared to other providers; Farmers is more costly, while USAA offers full coverage at the lowest cost of $1,456.
In comparison to other insurers, Allstate’s minimum coverage is $724, which is quite moderate.

Conclusion:

Geico, USAA, and Travelers offer some of the finest rates if you’re searching for more reasonably priced complete coverage. Even though Allstate’s prices are greater than those of Geico or USAA, it still provides a variety of coverage options, discounts, and competitive pricing.

Would you like additional details about various coverage options or how to reduce your costs with Allstate?

More Details on Allstate Auto Insurance Prices

Only active military personnel, veterans, and their families are eligible for USAA.

The prices listed in the table apply to a 35-year-old motorist with good credit and no moving violations. Full coverage insurance is shown in these pricing and includes:

Coverage for liabilities
All-encompassing coverage
Coverage for collisions
any extra insurance that the state mandates.
A number of variables, including the following, may affect your actual insurance rate:

Driving record (accidents, moving infractions, etc.)
Model and make of the vehicle
Location (your residence may have an impact on pricing)
additional individual characteristics, such as age and credit score.
Allstate may modify the premium depending on these criteria for rates following a DUI or at-fault collision, which could result in higher rates.

The Average Annual Auto Insurance Rates for Allstate in Relation to the National Average:

By Type of Coverage:

Allstate Minimum Coverage: $724

$625 is the national average.

Difference: The minimum coverage offered by Allstate is somewhat greater than

the national average.

Complete Coverage:

$2,962 for Allstate

$2,312 is the national average.

Difference: Compared to the national average, Allstate offers substantially more complete coverage.

By Driving History: Good Credit, One Speeding Ticket

$3,714 for Allstate

$2,930 is the national average.

Difference: Allstate’s prices are significantly higher than the national average following a speeding ticket.

One Accident, Excellent Credit:

$4,630 for Allstate

$3,422 is the national average.

Difference: Compared to the national average, Allstate’s rates following an at-fault collision are significantly higher.

Good Credit, One DUI:

$4,345 for Allstate
$4,245 is the national average.
Distinction: The DUI rates in Allstate are somewhat higher than the national average.

Poor Credit, Clean Driving Record:

National Average: $3,827; Allstate: $4,436

Difference: Allstate offers significantly lower rates for drivers with good driving records and bad credit.

Allstate Complete Age-Based Coverage (in Relation to National Averages):
I can also give you information about how Allstate’s rates differ by age if that’s of interest. Tell me, please!

Allstate’s premiums are often higher than the national averages, particularly when it comes to comprehensive coverage, speeding citations, and at-fault collisions.
Drivers with bad credit and DUI may also have higher Allstate rates than the national average.

The following is a bulleted list of Allstate’s complete coverage rates by age:

At 20 years old:

$6,954 for Allstate

$4,730 is the national average.

30 years old:

$3,037 is the company median rate.
Age 35: National Median Rate: $2,378

$2,962 is the company median rate.
Age 40: National Median Rate: $2,312

$2,933 is the company median rate.
Age 50: National Median Rate: $2,248

$2,767 is the company median rate.
$2,088 is the national median rate.
60 years old:

$2,706 is the company median rate.
Age 70: National Median Rate: $2,004

$2,806 is the company median rate.
$2,143 is the national median rate.

Compared to the national average, Allstate’s rate is significantly higher.

Allstate auto insurance coverage

Deductible Benefits:

Get up to $500 off your annual collision deductible if you have no moving infractions.
At the time of enrollment, Allstate deducts the first $100.
Replacement of a New Car:

Allstate will replace a new car in lieu of paying the depreciated value if you total a new car within the first two model years.
Roadside Support:

available as an addition to your auto policy or as a one-time expense as necessary.
Another option is an Allstate Roadside membership, which is a AAA-like subscription service.
Insurance for Ridesharing (Ride for Hire):

protects you when you drive for ridesharing services such as Lyft or Uber.
covers periods when most ridesharing companies only offer limited coverage, such as in between trips, when your app is running.

Forgiveness for Accidents:

Even if you are at blame for the accident, your rates won’t go up.
Bonus for Safe Driving:

You can get reimbursed for each six months that you drive without an accident.

Insurance for Ridesharing (Ride for Hire):

protects you when you drive for ridesharing services such as Lyft or Uber.
covers periods when most ridesharing companies only offer limited coverage, such as in between trips, when your app is running.
Gap Insurance:

covers the difference between the amount you owe on your auto loan or lease and the car’s worth in the event that it is declared a total loss.

Here are the details in bullet points regarding Allstate’s auto insurance discounts:

having a brand-new vehicle.
combining several policies into one.
fulfilling the standards set by Allstate for a good student.
having brakes that don’t lock.
installing an anti-theft gadget.
putting your signature on your policy at least seven days before to its effective date.
not being notified of cancelation due to nonpayment for the previous 12 months.
putting in place automatic payments.
eliminating paper.
a student who keeps their car at home while they are away at school.
completing the teenSMART driver education course offered by Allstate.
making a payment in advance.
Fulfilling Allstate’s standards for a safe driver

Pricing according to Milewise Tracked Driving Habits:

charges a base rate per day plus a rate per mile, which is determined on the number of miles you drive.

can save money if your commute is short or you don’t drive frequently.
Most states do not offer it.

Study up on pay-per-mile auto insurance.

Drive-wise:

gives you a discount when you use the Allstate app to sign up for the optional Drivewise program.

monitors your driving time of day, speed, and braking behavior.
Every six months, safe drivers are eligible to receive insurance credits.
Is Allstate a Reputable Insurance Provider?

Customer Satisfaction Score: In a June–July 2024 NerdWallet study, Allstate scored 79 out of 100 on customer satisfaction.

Eleven insurers had an average score of 79 and a maximum score of 81.

Customer satisfaction and complaints: Considering its size, Allstate received almost as many complaints regarding auto insurance as was to be expected.
Three years are covered by the National Association of Insurance Commissioners data.

Website for Allstate Auto Insurance:

provides resources and tools, such as articles about different kinds of auto insurance.
Locate a mechanic, obtain a quote, register a claim, or find a local agent.
App:

Get roadside help, initiate a claim, pay your bill, and access ID cards.
Verify whether any of your digital data was compromised.

include the Drivewise function, which monitors driving habits.

Reviews of Allstate Insurance for Renters, Homeowners, and Life:

covers homes, apartments, condos, and mobile homes with regular coverage.
For information on discounts and coverage alternatives, see the Allstate homeowners insurance review.
Insurance for Renters:

accessible to people who do not own their home.
For additional details, read the Allstate renters insurance review.
Life Insurance:

provides universal life, whole life, variable universal life, and term life insurance through partners.
For information on coverage numbers and policy details, see the Allstate life insurance review website.

Other Insurance from Allstate

Straight from Allstate:
Insurance for Motorbikes
Boat Insurance
Insurance for All-Terrain Vehicles (ATVs)
Insurance for Recreational Vehicles (RVs)
Insurance for Snowmobiles
Insurance for Businesses
Insurance for landlords
Insurance Under an Umbrella
By way of third parties:
Insurance for Pets
Insurance for Special Events
Insurance for Floods
Insurance for Travel
Insurance for Jewelry
Insurance for Collectibles

Mobile App:

Allstate’s mobile app, “Allstate Mobile,” offers an easy-to-use interface for digital insurance card access, policy management, and claim submission.

Additionally, it offers resources like the “Drivewise” program, which monitors your driving patterns and may result in additional savings for safe driving.

Allstate is renowned for having a comparatively easy claims procedure. Policyholders can expedite the process by submitting claims utilizing images of damage using their “QuickFoto Claim” option.

Client Support

Advantages: Allstate’s customer service is frequently commended for being prompt and kind.

They provide customer service around-the-clock, including phone and online chat access to agents.

Cons: A few clients have voiced their displeasure with claim payouts or processing delays. But these problems are frequently common grievances in the insurance sector.

Allstate Auto Insurance Benefits

Numerous Coverage alternatives: Allstate provides a variety of coverage alternatives, which enables drivers to more easily customize a plan to meet their unique requirements.

Robust Discounts: Allstate helps drivers who qualify lower the cost of auto insurance by offering a number of options to save.

Innovative Tools: Two great examples of how Allstate uses technology to enhance the customer experience are the “Drivewise” program and the “QuickFoto Claim” function.

Allstate Auto Insurance Drawbacks

Higher Rates: Despite Allstate’s extensive discount program, some drivers may find that their premiums are more expensive than those of other insurance companies, particularly if they have a bad driving record.

Consumer grievances: Only a small portion of consumers have complained about claims processing, especially when it comes to delayed payouts.

What’s New in 2025

Increased Technology Use: With more sophisticated features in their mobile app, claims procedure, and telematics initiatives like Drivewise, Allstate is putting even more of an emphasis on technology use in 2025.

Personalized Coverage Options: More adaptable vehicle insurance plans have been made available, enabling drivers to add or eliminate particular coverage categories in accordance with their requirements and preferences.

Concluding remarks

All things considered, Allstate is still a good option for auto insurance, especially if you value excellent customer service and a variety of policy options.

Even while it may not always be the most affordable, many drivers find it to be an appealing alternative because to its savings and technologically advanced features.

If you’re considering Allstate for 2025, be sure to compare quotes and evaluate which features matter most to you.