Allstate Auto Insurance Review for 2025 (See Ratings & Cost Here!)
Allstate auto insurance review highlights its discount and costs, with rates starting at $87/mo. Policies include liability, collision, and comprehensive coverage, plus Drivewise for safe driving and Milewise for pay-per-mile pricing. Allstate's specialized coverage for classic cars and rideshare adds value.

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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
UPDATED: Mar 19, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Mar 19, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons

Allstate auto insurance review examines the company’s coverage options, policy features, and customer satisfaction. With standard and specialized insurance plans, Allstate offers flexible solutions, including usage-based programs like Drivewise and Milewise.
Rating Criteria | |
---|---|
Overall Score Rating | 3.8 |
Business Reviews | 4.0 |
Claim Processing | 3.0 |
Company Reputation | 4.5 |
Coverage Availability | 5.0 |
Coverage Value | 3.5 |
Customer Satisfaction | 2.0 |
Digital Experience | 4.5 |
Discounts Available | 5.0 |
Insurance Cost | 3.4 |
Plan Personalization | 4.5 |
Policy Options | 3.4 |
Savings Potential | 3.9 |
The company also provides discounts and bundling opportunities, but customer experiences vary when it comes to claims handling. This review breaks down Allstate’s strengths and weaknesses to help you decide if it’s the right choice.
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- Allstate auto insurance review covers policy options, discounts, and claims
- Milewise pay-per-mile coverage helps low-mileage drivers save on insurance
- Monthly rates start at $87, with discounts for safe driving and bundling
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Allstate Auto Insurance Rates Compared: How They Stack Up Against Competitors
Allstate’s auto insurance rates are higher than those of many competitors, particularly for younger drivers. A 16-year-old male pays $371 per month for minimum coverage and $910 for full coverage, which is at least 20–30% more than Geico and State Farm auto insurance, both of which offer lower rates for teens.
Allstate Auto Insurance Monthly Rates by Age, Gender, & Coverage LevelAge & Gender | Minimum Coverage | Full Coverage |
---|---|---|
16-Year-Old Female | $338 | $868 |
16-Year-Old Male | $371 | $910 |
18-Year-Old Female | $275 | $640 |
18-Year-Old Male | $318 | $740 |
25-Year-Old Female | $98 | $258 |
25-Year-Old Male | $102 | $271 |
30-Year-Old Female | $91 | $240 |
30-Year-Old Male | $95 | $252 |
45-Year-Old Female | $87 | $231 |
45-Year-Old Male | $88 | $228 |
60-Year-Old Female | $84 | $214 |
60-Year-Old Male | $86 | $220 |
65-Year-Old Female | $87 | $226 |
65-Year-Old Male | $86 | $223 |
Likewise, an 18-year-old male pays $740 for full coverage, whereas Progressive and State Farm usually ask $500 to $600. However, Allstate’s rates are more competitive for older drivers. A 25-year-old female would pay $98 for minimum coverage with Allstate, which is in line with the national average.
At $87 for a 45-year-old female and $88 for a 45-year-old male, Allstate’s rates are on par with Nationwide and Farmers, making it a better option for experienced drivers. While Drivewise and Milewise programs offer savings for safe and low-mileage drivers, Allstate still tends to charge above-average rates for younger age groups but becomes more competitive for drivers 25 and older.
Allstate Auto Insurance Rates Comparison: Minimum & Full Coverage Costs
When comparing Allstate’s auto insurance rates with major providers, it charges $60 per month for minimum coverage, which is higher than Geico’s $41 and USAA’s $31 but cheaper than Farmers’ $93. For full coverage, Allstate’s rate is $247 monthly, less expensive than Farmers at $317 but more than American Family at $178 and Progressive at $186.
Allstate Auto Insurance Monthly Rates vs. Top ProvidersInsurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$60 | $247 | |
$56 | $178 | |
$93 | $317 | |
$41 | $166 | |
$65 | $210 | |
$74 | $225 | |
$55 | $186 | |
$45 | $191 | |
$45 | $147 | |
$31 | $121 |
Regarding rates based on driving records, Allstate increases prices for drivers with infractions. A clean driving record incurs a monthly charge of $88 for minimum coverage, which escalates to $124 after one accident and $152 after a DUI.
Full coverage follows a similar pattern: $228 for a clean record, $321 post-accident, and $385 after a DUI. This shows that Allstate’s rates are competitive unless driving infractions are involved, where costs significantly increase.
Allstate vs. Top Competitors: Auto Insurance Rates by Credit Score Comparison
Allstate car insurance rates are highly probative and offer low rates by credit score, making it one of the most competitive options we’ve seen. Allstate’s monthly cost for a driver with good credit, $120, is moderately priced compared to Geico’s $95 and Farmers’ $125.
Allstate Auto Insurance Monthly Rates vs. Top Competitors by Credit ScoreInsurance Company | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
$120 | $180 | $240 | |
$110 | $170 | $230 | |
$125 | $185 | $245 | |
$95 | $145 | $195 | |
$115 | $175 | $235 | |
$105 | $165 | $225 | |
$105 | $160 | $215 | |
$100 | $150 | $200 | |
$98 | $148 | $198 | |
$85 | $125 | $175 |
The difference becomes more pronounced for those with fair credit, where Allstate charges $180, still below Farmers at $185 but above Geico at $145.
When choosing auto insurance, prioritize coverage that aligns with your driving habits and risk exposure, ensuring the policy includes essential protections like liability and comprehensive; for claims, utilize Allstate's 24/7 platforms for a swift and supportive response.
Jeff Root Licensed Insurance Agent
Allstate car insurance rates are highly probative and offer low rates by credit score, making it one of the most competitive options we’ve seen. Allstate’s monthly cost for a driver with good credit, $120, is moderately priced compared to Geico’s $95 and Farmers’ $125.
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Allstate Auto Insurance Rates vs. Competitors: Cost Comparison by Driving Record
Allstate’s full coverage auto insurance rates for drivers with a clean record are notably higher than some competitors, such as USAA, Travelers, and Geico, but they are more affordable than Farmers. Specifically, Allstate charges $247 per month for drivers without any incidents, which is significantly lower than Farmers at $317 but higher than USAA’s $121 and Travelers’ $147.
Allstate vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record
Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
---|---|---|---|---|
$247 | $290 | $330 | $270 | |
$178 | $210 | $270 | $200 | |
$317 | $370 | $420 | $340 | |
$166 | $210 | $390 | $190 | |
$210 | $260 | $350 | $250 | |
$225 | $270 | $320 | $260 | |
$186 | $230 | $400 | $215 | |
$191 | $240 | $290 | $220 | |
$147 | $180 | $250 | $170 | |
$121 | $145 | $200 | $140 |
The price difference becomes more pronounced following an accident, with Allstate charging $290 compared to Farmers’ $370 and considerably lower than Progressive’s $400 after a DUI.
This pricing pattern shows Allstate as a mid-range option in the market, balancing cost with the comprehensiveness of coverage and the benefits provided by their policies, like accident forgiveness and safe driving incentives.
Allstate Auto Insurance Coverage Options
Choosing the right auto insurance coverage ensures you’re financially protected on the road. Allstate offers a variety of options tailored to different driving needs. Here’s a breakdown of key coverage types:
- Liability Coverage: Pays for injuries and property damage if you cause an accident. Most states require it.
- Collision & Comprehensive Coverage: Collision covers repairs after a crash. Comprehensive covers theft, vandalism, fire, and weather damage.
- Uninsured/Underinsured Motorist Coverage: Covers your costs if a driver with little or no insurance hits you.
- Personal Injury Protection (PIP) & MedPay: PIP covers medical bills and lost wages. MedPay covers medical expenses but not lost wages.
- Additional Coverage: Rental reimbursement pays for a rental if your car is in the shop. Roadside assistance covers towing and emergency help. Gap insurance pays the difference if your car is totaled and you owe more than its value.
Understanding these coverage options can help you choose the best policy for your needs, incorporating tips to pay less for car insurance to maximize your savings.
Whether you’re looking for basic liability or full protection, Allstate provides flexible plans to keep you covered, as noted in the Allstate review of vehicle insurance.
Analyzing Allstate’s Insurance Ratings and Customer Reviews
Allstate’s business ratings and consumer reviews present a mixed picture. It holds strong financial stability with an A+ rating from AM Best and positive business practices from the BBB. However, its J.D. Power customer satisfaction score of 691/1,000 is only average, and Consumer Reports rates it 74/100, indicating room for improvement.
Allstate Insurance Business Ratings & Consumer ReviewsAgency | |
---|---|
Score: 691 / 1,000 Avg. Satisfaction |
|
Score: A+ Excellent Business Practices |
|
Score: 74/100 Good Customer Satisfaction |
|
Score: 1.45 Avg. Complaints |
|
Score: A+ Superior Financial Strength |
The NAIC score of 1.45 suggests it receives more complaints than the industry average. Despite this, some customers, like Douglas G. from Alabama, report highly positive experiences. In his Yelp review, he praises the efficiency of Allstate’s claims process after an accident, saying the adjusters and litigation teams secured the work to get his car fixed and the insurance company to refund his deductible — with little effort on his part.
Read Douglas G.‘s review of Allstate on Yelp
His decision to choose Allstate was influenced by its professionalism and reliability, which stood out when comparing auto insurance companies against other insurers. Despite a varied Allstate Insurance rating, his good experience proves that the quality of service often depends on the specific agent or office.
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Special Car Insurance Options From Allstate
Allstate provides specialized car insurance options based on everyday driving situations so that drivers receive insurance coverage tailored to their individual needs. Whether you’re a safe driver seeking discounts, a collector protecting a valuable classic car, or a rideshare driver requiring additional coverage, Allstate has flexible solutions.
- Drivewise: Rewards safe driving habits by tracking speed, braking, and phone use through the Allstate app, offering policy discounts for low-risk drivers.
- Classic and Collector Car Insurance: Partners with Hagerty Insurance to provide agreed value coverage for vintage and collectible vehicles, ensuring their full worth is covered while restricting daily use.
- Ride for Hire: Bridges the gap between personal and rideshare insurance, covering deductible gaps and ride-request periods often excluded from standard policies.
- Electric Vehicle (EV) Insurance: Includes the same coverage as traditional cars, with added benefits like EV-specific discounts, roadside battery charging, and home charger protection.
These special insurance options, as detailed in many Allstate car insurance reviews, help drivers save money. These specialized insurance options protect vehicles and provide coverage in situations that standard auto insurance might not cover, specifically including auto insurance for luxury and exotic vehicles.
Allstate Insurance: Coverage & Discounts
Allstate offers various insurance and investment products, including auto, home, renters, business, life, and supplemental health insurance. Investment options include college savings plans, annuities, IRAs, and mutual funds. Auto policies cover liability, comprehensive, collision, medical payments, and uninsured motorist coverage.
Specialized coverage is available for classic, modified, and customized vehicles. Auto policyholders can access premium features like rental reimbursement, towing, and repair coverage. Rates vary by location, driving history, and age, with younger drivers often paying more. The Drivewise Program rewards safe driving with rebates. Discounts include savings for anti-lock brakes, airbags, anti-theft devices, and owning a new or economy car.
Bundling policies can lead to extra savings, such as the Auto/Life Discount and Multiple Policy Discount for combining auto with renters or home coverage. Additional savings are available for responsible financial habits, including the Good Payer Discount, Early Signing Discount, EZ Pay Plan Discount, FullPay Discount, and eSmart Discount.
Student and senior discounts include good student discounts (20% off for full-time students with good grades), resident student discounts (up to 35% for students living 100+ miles away), and senior discounts (10% off for retirees 55+). Safe driving discounts, part of car insurance discounts you can’t miss, include Premier, Premier Plus, Defensive Driver, Safe Drivers, and TeenSMART, offering savings of up to 45%.
Allstate Specialty Vehicle Coverage
Allstate offers motorcycle insurance with comprehensive coverage, including bodily injury liability, medical payments, property damage liability, collision, personal injury protection, comprehensive coverage, towing, uninsured/underinsured motorist coverage, and rental reimbursement. Discounts include New Motorcycle Replacement, First Accident Waiver, and Genuine Parts Guarantee Repair Program.
Motorhome insurance covers both the vehicle and living space, offering bodily injury liability, collision, comprehensive medical payments, personal injury protection, uninsured/underinsured motorist coverage, towing, rental reimbursement, property damage liability, contents, and sound system coverage. Eligible policyholders may qualify for senior, multi-policy, and transfer discounts.
Snowmobile and recreational vehicle insurance provides coverage for property damage liability, bodily injury liability, comprehensive, and collision, starting at $13/month for snowmobiles and $12/month for recreational vehicles. Discounts include a Safety Course, Easy Pay Plan, Full-Pay, and Multi-Policy to help lower costs.
Switching to Allstate's Drivewise program not only personalized my rates but also significantly lowered my premiums, making safe driving both rewarding and economical.
Meghan Steinberg
Boat insurance starts at $20 per month, covering liability, medical payments, property, and emergency services. It also includes uninsured watercraft coverage, repair costs, and agreed-value options. For further details, see a visual guide to auto insurance. Discounts are available for multiple policies, such as Easy Pay plan, homeownership, full payment, and boat education.
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Comprehensive Home Insurance by Allstate
Allstate offers home insurance with structure and personal property coverage, renters’ insurance, and landlord policies for houses, apartments, condos, and mobile homes. Additional protections include liability and guest medical coverage for injuries on the property. Discounts are available for security system installations, protective devices, retirees over 55, and bundling auto and home insurance.
The HostAdvantage Program provides home-sharing coverage for homeowners renting through Airbnb or Vacation.com, covering up to $10,000 in damages or stolen items for $50 annually. Currently available in six states (UT, TN, MI, IL, CO, AZ), the program is expanding due to high demand from homeowners in other states.
Condo and townhouse insurance covers personal property, building protection, loss assessment, guest medical expenses, reimbursed living costs, and identity restoration. Owners of newly constructed condos or townhouses may qualify for lower premiums, along with senior, protective device, and multi-policy discounts.
Landlord insurance protects rental property owners with burglary, vandalism, dwelling, structures, rental income, construction, and building code coverage. Renters’ insurance covers personal property, liability, living expenses, and identity restoration, relevant to discussions about homeowners insurance companies. Discounts include Easy Pay, Safe Home, Multi-Policy, Senior, and Claim-Free Discounts for eligible renters.
Allstate Pet Insurance & Wellness Plan
Allstate now allows you to bundle pet health insurance with other coverage, offering the optional Wellness Rewards plan, which includes annual checkups, routine care, vaccinations, dental cleanings, cancer therapy, emergency treatments, diagnostic tests, medications, and genetic condition treatments (provided no prior symptoms existed before enrollment).
It also covers alternative therapies like homeopathy, acupuncture, and hydrotherapy, as well as chronic condition treatments for allergies, thyroid issues, and diabetes.
To qualify for a new policy from pet insurance companies, pets must be under 14 years old; older pets can only enroll in an accident-only plan. This coverage includes doctor exams, specialist fees, emergency care, hospitalization, imaging tests (X-rays, ultrasounds, CT scans, MRIs), chiropractic services, holistic medicine, physical therapy, hydrotherapy, surgeries, and laparoscopies.
Allstate Life Insurance Options & Benefits
Although Allstate is not among the largest life insurance providers, it offers a full range of term and permanent life insurance through its affiliates. Term life covers 10 to 30 years, is affordable, requires no medical exam, and is ideal for those with health concerns, but it lacks cash value and adjustable premiums, with fixed benefit amounts of $50,000, $100,000, or $150,000.
Permanent life provides lifetime coverage with Universal Life and Whole life options—Universal life builds tax-deferred cash value, offers lifetime coverage, and allows premium adjustments, while Whole Life also builds tax-deferred cash value but maintains fixed premiums and coverage.
Additional offerings detailed in the Allstate life insurance review include estate planning, survivorship life, business succession planning, variable survivorship life, term life, universal life, variable universal life, long-term care, and supplemental health insurance.
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Allstate Supplemental Health Insurance Coverage
Much of the time, people discover that their workplace health insurance offers very little coverage. To cover this gap, you can research supplemental health insurance coverage through different providers, as outlined in the complete guide to health insurance.
Although Allstate does not provide full health insurance policies, they do write a variety of supplemental health products to offer extended coverage to cover the rest of your medical bills and protect you from any long-term care because of accidents, debilitating critical illnesses such as cancer, and disability.
How to File an Allstate Insurance Claim
Allstate makes it easy to file a claim, and it is available 24/7. You can file by contacting an agent via phone, through an online account, or with the Allstate Mobile App. It makes for a smooth claims process to help you get back on track faster.
- Gather Evidence: Collect photos, witness details, license plate numbers, insurance information, and medical reports to support your claim.
- File Your Claim: Report the claim through an agent online, phone (800-255-7828), or the Allstate Mobile App to receive a claim number.
- Damage Investigation: A mechanic assesses the vehicle, determines repair needs, and provides an estimate for repairs or replacement.
- Estimate Review: A claims adjuster contacts you to review the repair estimate and discuss your settlement and reimbursement options.
- Settle the Claim: Choose to either repair the vehicle (paid directly to the shop) or receive reimbursement via check or direct deposit.
Allstate aims to streamline the claims process, as highlighted in many Allstate Insurance reviews. If you have any questions about how to file an auto insurance claim, reaching out to an Allstate agent or their hotline can provide clarity on your options and help ensure a smooth resolution.
Exploring the Real Value of Allstate Auto Insurance Coverage
The Allstate auto insurance review highlights the importance of considering several factors beyond the cost of premiums when choosing car insurance companies. The importance of considering the insurer’s stability, customer satisfaction ratings, and the breadth of coverage options. With its longstanding history and financial ratings, it offers a diverse range of products that allow for significant customization to fit individual needs.
However, the content does mention some customer complaints regarding claim resolution practices that could be a red flag. Prospective members should look for a before making a decision. Allstate Insurance quotes and thoroughly examines user reviews and company ratings to make a well-rounded choice that considers cost, coverage, and service quality.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool.
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Frequently Asked Questions
Is Allstate good insurance for auto coverage?
Allstate is a well-established insurance provider with strong financial ratings and a wide range of coverage options. It offers standard auto insurance, specialized policies like Milewise (pay-per-mile) and Drivewise (safe driving rewards), and numerous discounts. However, Allstate insurance reviews show mixed customer experiences, particularly with claims processing and rate increases.
How much is Allstate’s deductible for auto insurance?
Allstate’s deductible varies based on the policy and coverage type. For collision and comprehensive coverage, deductibles typically range from $250 to $1,000. The higher the deductible, the lower the monthly premium. Some policies also offer deductible rewards, reducing your out-of-pocket costs over time.
What are customers saying in Allstate home insurance reviews?
Many customers appreciate the bundling discounts and digital tools, while others mention increasing premiums and denying claims. The policies provide coverage for property damage, liability, and personal belongings, with options for identity theft protection and water backup coverage. This range of services makes Allstate a consideration for those seeking cheap homeowners insurance.
Does Allstate offer a student discount on car insurance?
Yes, Allstate car insurance student discount is available for full-time students under 25 years old who maintain a B average (3.0 GPA) or higher. Additional savings may apply to students who attend school more than 100 miles away from home and don’t drive regularly.
How much does Allstate gap insurance cost?
Allstate gap insurance cost depends on factors such as the vehicle’s value and loan amount. On average, Allstate charges $20 to $50 per year, but costs vary by state and policy. Gap insurance covers the difference between the car’s depreciated value and the remaining loan balance if the vehicle is totaled or stolen.
How do Allstate’s life insurance reviews compare to competitors?
Allstate life insurance reviews note both term and permanent policies. Term life offers affordable, fixed premiums for 10 to 30 years, while permanent policies like whole life and universal life build cash value. Although some customers find Allstate’s prices higher than competitors like State Farm or Nationwide, the flexibility of these policies could be the quote that convinced you to get life insurance.
Does Allstate cover windshield replacement?
Yes, Allstate Insurance windshield replacement is covered under comprehensive coverage. If you have full glass coverage, you may not have to pay a deductible for repairs. Without full glass coverage, your comprehensive deductible applies to the replacement.
What do Allstate renters insurance reviews say about their coverage?
Allstate renters insurance reviews indicate that policyholders appreciate the affordability and bundling discounts with auto insurance. Coverage includes personal property protection, liability coverage, and additional living expenses if a rental unit becomes uninhabitable. However, some reviews mention slow claim processing as a drawback.
What do Allstate pet insurance reviews say about coverage?
Allstate pet insurance covers accidents, illnesses, and routine care through Wellness Rewards. It includes emergency visits, surgeries, and cancer treatments. While bundling discounts are a plus, some report slow claim processing. Keep this in mind when reviewing questions to ask when considering pet insurance.
Does Allstate offer RV and motorhome insurance?
Yes, Allstate provides some of the best RV insurance options, covering collision, liability, comprehensive, and roadside assistance for motorhomes, travel trailers, and campers. Allstate motorhome insurance includes optional coverage for full-time RVers, vacation liability, and personal belongings inside the vehicle. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Does Allstate renters insurance cover theft and damage?
Yes, Allstate renters insurance review coverage includes theft, vandalism, fire, and water damage for personal belongings. Policies also provide liability coverage if someone is injured at your rental and temporary living expenses if your unit becomes uninhabitable.
How can I cancel Allstate car insurance?
To cancel Allstate car insurance, contact an agent or customer service by phone. You might need to show proof of new insurance if switching providers. Be aware of possible cancellation fees, which vary by policy and state laws. Consider if it’s bad to cancel car insurance before making changes.
How do Allstate Insurance reviews compare for customer service?
Allstate Insurance reviews on customer service are mixed. Some customers praise local agents and online tools, while others report delays in claims processing and unexpected rate increases. The NAIC complaint index for Allstate is slightly higher than average, indicating more complaints than some competitors.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.