Allstate insurance review 2024

Written by

• • Insurance
• • Financial Markets

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Edited by

• • Personal Lines

• • Property & casualty insurance
• • Rate analysis

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

Edited by

• • Personal Lines

• • Property & casualty insurance
• • Rate analysis

Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.

• Bankrate logo

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity ,this post may contain references to products from our partners. Here's an explanation of how we make money .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure .

Editorial integrity

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

The Bankrate promise

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.

Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you.

• We guide you throughout your search and help you understand your coverage options.
• We provide up-to-date, reliable market information to help you make confident decisions.
• We reduce industry jargon so you get the clearest form of information possible.

All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first.

At a glance

Bankrate Award winner for best home insurance company overall (tie)

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

About Bankrate Score

Tied for the 2024 Bankrate Award for Best Homeowners Insurance Company Overall, Allstate offers home, auto and life insurance for those who want the convenience of a single carrier for all their insurance needs.

• Company highlights
• Average rates from Allstate

• Offers multiple reward options for safe driving, including deductible rewards and Drivewise; strong mobile and online tools for claims and policy management.
• Tied for Best Home Insurance Company Overall in the 2024 Bankrate Awards.
• Numerous discount opportunities and add-on coverage options, including protection for water backups and business items stored at home.
• Term life policies available for 10 to 40 years; policies sold by Allstate agents from companies like John Hancock and Lincoln Financial in states where Allstate does not underwrite.
• AM Best rating of A+ (Superior); mixed performance in J.D. Power studies with auto insurance complaint index improving and home insurance complaint index increasing over recent years.

Avg. annual premium for full coverage

Avg. annual premium for min coverage

Avg. annual premium for $300k dwelling coverage

Allstate steadily increased auto rates throughout 2023 as part of a “comprehensive plan to increase profitability,” per a statement from the company. Additionally, Allstate stopped writing new home and condominium insurance policies in California in 2022. California homeowners with active Allstate home insurance were not dropped, but the insurer stated that “wildfires, higher costs for repairing homes and higher reinsurance premiums” motivated the choice to limit new business.

We want to know what you think about Allstate

Do you have experience with Allstate? Let us know your thoughts.

Allstate car insurance review

In our Allstate insurance review, Allstate car insurance received a Bankrate Score of 3.9 out of 5.0 possible points. To find the best car insurance companies, our editorial team evaluated how well the auto insurance companies performed in a variety of categories, including policy options, discounts and third-party ratings from Standard & Poor’s, AM Best and J.D. Power, as well as mobile app accessibility and other attributes.

To complement standard coverage and provide greater financial protection, drivers could consider adding rental reimbursement. Drivers may even consider classic car insurance or rideshare insurance if they drive a vehicle that requires more tailored coverage.

Allstate’s Deductible Rewards program awards $100 off the collision deductible for every year of safe driving, up to $500. Allstate’s Safe Driving Bonus also allows drivers to earn cash back or credit to their car insurance policy for every six months without an accident. For those who want to be rewarded further for safe driving, Allstate offers Drivewise, a usage-based telematics program that provides savings for good driving habits and awards points for passing safe driving challenges.

Pros and cons of Allstate car insurance

When requesting car insurance quotes, comparing carriers is easier when you understand what policy options, discounts and other features are offered for the estimated premium. Here are some pros and cons of Allstate car insurance:

Pros

• Multiple reward options, such as Deductible Rewards and Drivewise, for driving safely, though availability may vary by state laws
• Strong mobile and online tools for easy claims and policy support
• Driving training program available tailored for teens to reduce accident risk

Cons

• Scored below average in a majority of regions based on J.D. Power’s 2023 U.S. Auto Insurance Study
• Few additional coverage options
• Some policy and coverage options may be limited by state availability

• Car insurance cost
• Customer satisfaction
• Car insurance discounts

Allstate car insurance cost

The average cost of Allstate car insurance is $2,866 per year for a full coverage policy and $840 per year for minimum coverage, according to Bankrate’s study of 2024 premium data obtained from Quadrant Information Services.

Compared to the national average cost of car insurance, which is $2,348 per year for full coverage, Allstate’s average rates are 23 percent more. However, keep in mind that rates are influenced by several personal rating factors. The averages below are most useful for comparison purposes.

How much is Allstate car insurance?

Driving history plays an important role in determining car insurance rates. Drivers with a clean driving record — with no history of at-fault accidents or moving violations — typically have lower rates compared to those who have a mark on their driving record. To understand the variance in premiums between different driving histories, we’ve analyzed car insurance rates based on different driving infractions.

A major violation, like a DUI, typically results in the most expensive insurance surcharges. But keep in mind that not all car insurance companies will write policies for drivers with DUI convictions. Below is a table of car insurance rates comparing Allstate’s average full coverage premiums to the national average based on driving history.

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Allstate car insurance quotes by age

Car insurance companies also consider a driver’s age when determining rates in most states. On average, older drivers with more years of driving experience pay lower rates compared to young drivers who have just started driving. The rates below show average car insurance premiums by age and are based on drivers with a clean driving record.

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Compare Allstate car insurance rates

When comparing car insurance rates, starting with the national average provides a useful benchmark. It’s also helpful to compare Allstate's rates to other big-name insurers to see how the company stacks up. Generally, Allstate’s rates tend to be higher than the national average. The table below illustrates where Allstate falls in the spectrum of car insurance pricing, aiding consumers in making informed decisions about their coverage options.

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Allstate customer satisfaction

An insurance company’s customer satisfaction may be a priority for you, especially if you want reliable customer service. Looking to third-party rating agencies like J.D. Power could be useful. J.D. Power conducts annual surveys from existing customers about some of the largest insurance companies in the country. J.D. Power results are ranked on a 1,000-point scale, with a higher score indicating more overall customer satisfaction.

Allstate auto claims satisfaction

The 2023 J.D. Power Auto Insurance Study was conducted on a regional basis. Allstate ranked above average in California, Florida, New England and New York, but ranked below average in the Central, Mid-Atlantic, North Central, Northwest, Southeast and Southwest regions, as well as Texas. Due to the variance by area, it can help to reach out to current policyholders in your area, especially if they’re family or friends, to understand what their experience with Allstate has been like. However, the company ranked above the study average of 878 with a ranking of 882 per the latest J.D. Power Auto Claims Satisfaction Study.

Allstate auto insurance customer complaints

When evaluating insurance companies, the National Association of Insurance Commissioners (NAIC) Complaint Index is a valuable tool. The NAIC assigns a baseline score of 1.00 to represent the average number of complaints for companies of similar size. A score above 1.00 indicates more complaints than average, while a score below 1.00 suggests fewer complaints. The NAIC also differentiates complaint indexes based on product type, providing a clear view of customer satisfaction across different insurance products. Allstate has shown a trend of improving complaint index scores over the past few years for its private passenger products, consistently moving closer to or below the industry average.

Allstate car insurance discounts

Lowering your car insurance premium could be achieved by comparing multiple insurers to find the best rate for your current circumstances, keeping your driving record clean and/or taking advantage of discounts. Allstate offers a healthy selection of discounts, many of them linked to how you choose to pay your premium. Some of Allstate’s less common discount opportunities include:

• Anti-lock brake discount: If your vehicle has anti-lock brakes, you could earn a discount on your insurance.
• Anti-theft device discount: Having an anti-theft device in your car might help you save money on your insurance.
• EZ pay plan discount: Opting for automatic payments may help lower your premium.
• eSmart discount: Allstate offers a paperless electronic policy that might shave some money off your premium.
• FullPay discount: Allstate may reward customers who pay in full at the beginning of their policy term with a discount.
• Responsible payer discount: With Allstate, it might pay to pay on time. If you have not received a non-payment notice or cancellation for non-payment in the past year, you may qualify for the responsible payer discount.

Get personalized auto insurance quotes

Powered by Coverage.com (NPN: 19966249)

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Allstate home insurance review

Allstate home insurance may be a good option for homeowners who appreciate local agents and want a variety of add-on home insurance options to tailor a policy to their needs. Allstate is a 2024 Bankrate Awards winner, tied with USAA for the Best Home Insurance Company Overall. Additionally, the company earns a Bankrate score of 4.2 out of 5.0.

In addition to standard home insurance coverage like dwelling, personal property, loss of use and liability, Allstate customers may purchase coverage for water backups, sports equipment, electronic data recovery and even business items stored at home. Those who partake in home-sharing could purchase Allstate HostAdvantage, as well, which offers extra protection for personal belongings stolen or damaged by renters.

For new customers who are also claims-free, Allstate offers a discount and a Claim-Free Bonus, which gives a 5 percent rebate on the renewal premium every year there is no claim. However, homeowners worried about a potential future claim have an additional solution in Allstate’s Claim Rateguard, which can be purchased to prevent a premium increase due to filing a single claim over a five-year period.

Bankrate Award winner for best home insurance company overall (tie)

Allstate’s near-nationwide availability, as well as its array of coverage options, 24/7 customer service, local agencies and robust mobile app, make it easy for homeowners to build a home insurance plan to protect one of their biggest assets.

Pros and cons of Allstate home insurance

When shopping for the best homeowners insurance, comparing home insurance quotes may be more worthwhile when you understand the coverage and service you’re getting. Here’s a quick summary of Allstate home insurance to help you compare with other carriers:

Pros

• Unique coverage options that might not exist with other carriers
• Numerous discount opportunities to help you save
• Customer service available 24/7

Cons

• Scored slightly below the segment average in the 2023 J.D. Power U.S. Home Insurance Study for customer satisfaction
• All endorsements may not be available in all states
• Not writing new home and condo policies in California

• Homeowners insurance cost
• Customer satisfaction
• Home insurance discounts

Allstate home insurance cost

At $2,046 per year for $300,000 in dwelling coverage, Allstate’s home insurance costs 10 percent less than the national average cost of homeowners insurance. On average, most U.S. homeowners pay around $2,270 per year for the same amount of dwelling coverage, but if you’re looking for cheap home insurance, comparing rates from more than one carrier can help.

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Compare Allstate homeowners insurance rates

When comparing homeowners insurance rates, it's helpful to look at how they vary by company. Rates can differ based on various factors, such as coverage options, location, discounts and individual risk profiles. The national average serves as a useful benchmark, but it's also helpful to compare rates from other major insurers. The table below illustrates how Allstate's homeowners insurance rates stack up against nine other prominent insurance companies. This comparison can help paint a clearer picture of where Allstate stands in terms of cost.

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Caret Up Sort arrow ascending

Caret Down Sort arrow descending

Home insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.

Allstate customer satisfaction

Customer satisfaction can be a determining factor when choosing an insurance company, as it often reflects the quality of service you can expect. Third-party rating agencies, such as J.D. Power, provide valuable insights by conducting annual surveys of existing customers from some of the largest insurance companies in the country. These surveys assess various aspects of customer experience, and results are ranked on a 1,000-point scale, with higher scores indicating greater overall satisfaction. This information can help you gauge how well an insurance company meets the needs and expectations of its policyholders.

Allstate homeowners claims satisfaction

When it comes to homeowners insurance, claims satisfaction is a critical factor. It reflects how effectively an insurance company handles claims, which can be especially important during stressful times following damage or loss. The J.D. Power 2024 U.S. Property Claims Satisfaction Study provides insights into how well insurance companies manage and resolve claims based on customer feedback.

For property claims satisfaction, Allstate ranked just below the industry average, with a score of 868 compared to the industry average of 869. This suggests that while Allstate is competitive in handling claims, there might be room for improvement when compared to some other top insurers. Evaluating these scores can help you understand how Allstate's claims process might meet your expectations relative to other providers.

Allstate home insurance customer complaints

For Allstate, the complaint index scores for its home insurance products have been above the industry average in recent years. This trend suggests that Allstate has received more complaints relative to its size compared to other insurers. Monitoring these scores can give you an idea of potential issues you might encounter with Allstate's home insurance and how they stack up against industry norms.

Allstate home insurance discounts

Like the discounts of many of the best homeowners insurance companies, Allstate’s home insurance discounts could help policyholders save significantly on their premiums. Some discounts available from Allstate include:

• Home buyer discount: You could earn this discount if you recently purchased a home or the home you bought is newly constructed.
• Early signing discount: You might earn as much as 10 percent off your rate if your current homeowners insurance policy is within a week of expiring.
• Claim-free discount: If you switch to Allstate without having a recent home insurance claim, you could save up to 20 percent off your premium.
• Easy Pay Plan®: Setting up automatic payments for your Allstate policy isn't just convenient — it can also save you up to 5 percent on your premium.
• Welcome & loyalty discount: Switching from your current provider to Allstate may allow you to save up to 10 percent on your premium with additional savings at renewals.
• Responsible payment discount: Prioritizing responsible payments can pay off. Keeping up a consistent history of on-time payments will likely help you lower your overall home insurance premium costs.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Allstate

Powered by Coverage.com (NPN: 19966249)

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Leaving so soon? Your custom quotes are just minutes away.

Allstate life insurance review

Allstate life insurance can help provide financial security for a variety of needs, including college tuition, taking care of future generations and covering outstanding debts. Allstate’s term life insurance policies are underwritten by Direct General and are available in 19 states: Alabama, Arizona, Delaware, Georgia, Illinois, Indiana, Louisiana, Maryland, Massachusetts, Missouri, Nebraska, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Washington and Wisconsin. Term life insurance policies through Allstate are available for 10 to 40 years, depending on your coverage choice, and do not build cash value that policy owners can leverage during their lifetime.

For customers in the remaining 31 states and Washington D.C., Allstate’s broad network of insurance agents sells other types of life insurance (such as permanent life insurance) on behalf of other life insurance companies like John Hancock, Lincoln Financial and Protective Life. While policies for these companies can be purchased via an Allstate agent, they may not be managed by Allstate. For instance, if you purchase a Lincoln Financial whole life insurance policy from Allstate, Lincoln Financial will manage your specific policy.

J.D. Power didn’t include Allstate in its 2023 U.S. Individual Life Insurance Study. However, John Hancock received a customer satisfaction rating of 782 out of 1,000, while Lincoln Financial earned 788 points and Protective Life earned 768 points. For reference, the study average was 790 out of 1,000 for individual life insurance products.

• Pros and cons
• Allstate life insurance riders

Pros and cons of Allstate life insurance

Narrowing down your life insurance options can be complicated, but remember to review companies when obtaining life insurance quotes the same as you would for auto or home insurance. Here’s a quick summary of Allstate’s life coverage:

Pros

• Term life coverage terms can span from 10 to 40 years
• Online quotes process
• Educational life insurance content on its website

Cons

• Medical exam may be required for some policy types
• May need to speak to a live agent before finalizing policy
• Permanent policies are not managed by Allstate directly

Allstate life insurance riders

While Allstate does not list the specific endorsements available for its life insurance policies, an Allstate agent can help you with understanding what policy options are available and recommending what may be best for your personal and financial goals.

Compare life insurance providers quickly and easily

See which provider is right for you.

The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.

Whole life insurance combines life insurance with an investment component.

• Coverage for life
• Tax-deferred savings benefit if premiums are paid
• 3 variations of permanent insurance: whole life, universal life and variable life include investment component

Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.

• Fixed premium over term
• No savings benefits
• Outliving policy or policy cancellation results in no money back

Powered by Coverage.com (NPN: 19966249)

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare Allstate with other insurers

While Allstate has several useful offerings, the company may not be the right fit for each person. It may be helpful to compare Allstate to other national insurers, a few of which are listed here:

Badge 1 Featured

Allstate

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings

AAA

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings

Safeco

Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings

Tied for a 2024 Bankrate Award for Best Homeowners Insurance Company Overall, Allstate offers home, auto and life insurance for those who want the convenience of a single carrier for all their insurance needs.

AAA is another large insurance carrier offering affordable home and auto insurance options as well as membership perks. Those who like convenience may also appreciate that some of AAA’s offices also offer services like DMV transactions, notary services and travel planning.

Depending on the characteristics of your home, Safeco could be worth a look, as it offers a robust selection of coverage endorsements for both home and auto insurance. Safeco also offers a highly rated mobile app and online portal for customers who want to manage their policies and claims online.

Auto Car Purchase

J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale

J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale

AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations

Why you can trust Bankrate

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Allstate insurance review.

years of industry expertise

ZIP codes examined

Is Allstate a good insurance company?

Headquartered in Northbrook, Illinois, Allstate’s network of over 12,000 exclusive and independent agents provides localized expertise and has helped solidify Allstate as a top insurer for millions of Americans, with more than 188 million policies for home, auto, life and other insurance products. Customers who want to have all their insurance needs and financial planning managed in a single place may find Allstate to be a solution.

Understanding your insurance needs and building a financial plan can seem complex, but Bankrate’s Allstate Insurance review found that the company has many tools to help make the process easier. Customers who want a balance between receiving personalized service from a local insurance agent and the ability to manage their policies online may find Allstate satisfies both these priorities. Although its average premiums for auto insurance may be higher compared to other insurers, its homeowners insurance is fairly competitive. Additionally, the company offers many discount and coverage options to save money on the financial protection you need.

What are real-life customers saying about Allstate?

To gain a comprehensive understanding of the customer experience with Allstate, we have explored feedback from real users on platforms such as Reddit and Trustpilot. While these sources are not formal review sites, they offer valuable insights into customer satisfaction and overall experience. It's important to note that feedback can vary widely, but these real-life experiences provide a snapshot of what you might expect when dealing with Allstate.

Reddit reviews

Reddit forums generally reflect a similar viewpoint on Allstate: customers are often not satisfied with the company. Here are a few anecdotes from users who have had experience with Allstate.

“I had Allstate until I actually had to file a claim with them. To make a very long story short. The accident was not my fault yet I had to get them involved because the other insurance co. National General is owned by Allstate. They fought me on everything. I ended up putting out about $1,000 out of my pocket. They don't care about you, only about saving themselves money even though they are paid thousands of dollars a year per policy they sell.”

“Allstate is the absolute worst. I had a pipe burst in my house January 12, 2024 and it is now May and I still have not been paid for my claim. I now have a lawyer and have had my lawyer since March and that still has them dragging their feet and not trying to pay for the damage. I left my house at the beginning of my pregnancy and I’m now almost 7 months pregnant and can’t even take my baby to my own home because of this company! I will never in my life ever recommend nor deal with them again. I can’t wait for my claim to be resolved and switch to another company!”

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Trustpilot reviews

While there are still negative reviews of Allstate on Trustpilot, there are several users who have had a positive experience during their tenure with Allstate.

“People usually only leave reviews to complain, so I feel that it’s my duty to leave a great review for Allstate. My young adult daughter was rear-ended, and the at fault party’s no-name tiny insurance company strung us along and eventually denied the claim. We needed to get her car fixed and ended up filing a claim through our own Allstate uninsured motorist policy. From the day we called Allstate, the ball started rolling quickly!”

“We had a house fire and they took great care of us. Our neighbor[‘]s house caught fire which caught our house on fire. Our neighbors were not insured by Allstate. The difference was night and day. Soooooo grateful for our Allstate agent and everyone one of their representatives. Fire is the worst, Allstate was the best.”

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Allstate company details

If you need to contact Allstate, pay a bill or call roadside assistance here’s how to do so:

• Customer service: 1-800-726-6033
• Bill pay: 1-800-901-1732
• Emergency roadside assistance: 1-877-597-3393
• Website:allstate.com
• Payment address: Allstate Payments, 1501 N Plano Rd, Suite 100, Richardson, TX 75081

State availability

Allstate car insurance is available in all states and Washington, D.C. Allstate home insurance is available in all states (and Washington, D.C.) except California.

Allstate tools and benefits

Allstate’s diverse product offerings give customers an opportunity to have all of their insurance and financial needs met in a single place. These perks include:

• Investment planning: Allstate’s financial representatives can also assist with 529 college savings plans, annuities, mutual funds, individual retirement accounts (IRAs) and workplace retirement plans. Allstate partners with several third parties — including American Funds, Franklin Templeton Investments, Fidelity, Equitable, Prudential, Protective and Lincoln Financial Group — to offer customers annuities, mutual funds and individual retirement accounts (IRAs).
• Renters insurance: Renters can use this policy to help insure their belongings and provide liability and loss-of-use coverage.
• Condominium insurance: This policy is specifically for condo unit owners who need coverage for the interior of their unit and their belongings. This policy also provides liability and loss-of-use coverage.
• Landlord insurance: Allstate’s landlord policy can help keep you financially protected if you rent out property.
• Identity theft insurance: Allstate identity theft insurance can alert you if your data is breached and help you with the next steps.
• Umbrella insurance: For an added layer of liability protection, Allstate sells personal umbrella policies.
• Pet insurance: For a monthly rate that is usually less than $50, you can keep your beloved pet's health insurance covered by Allstate. Your policy will cover a wide range of needs, from sudden accidents to genetic conditions.
• Motorcycle insurance: If you get around by motorcycle, you may want to consider having proper insurance — both for your own safety and that of your bike.
• ATV/off-road insurance: Allstate may be able to insure an ATV or other off-road vehicle — including snowmobiles.
• Boat insurance: Whether your craft is a fishing boat, powerboat, sailboat or pontoon, Allstate boat insurance keeps you covered.
• RV insurance: This insurance is available for motorized and towable recreational vehicles. A few examples of non-motorized RVs that may be covered by this insurance include camper trailers, conventional travel trailers, truck campers, fifth-wheel travel trailers and horse trailers.
• Phone protection: Whether it’s a cracked screen, busted battery or waterlogged phone, Allstate’s phone protection plan can be purchased regardless of your primary cell carrier.
• Event insurance: If you’re hosting a large party at your home, purchasing event insurance may give you extra liability coverage and reimburse you if you lose deposits due to an unforeseen event.
• Travel insurance: Allstate’s travel insurance even covers COVID-related occurrences, like positive tests and delays due to quarantine guidelines, as well as bad weather, medical emergencies or lost luggage.
• Roadside assistance: If you worry about popping a tire or an unexpected engine malfunction, you can add roadside assistance to your Allstate car insurance policy.
• Good Life: Allstate partners with TrueCar, Rategenius, AutoZone, Valvoline and Sirius XM to help give its customers discounted rates on services and products.
• HomeAdvisor: With Allstate, customers could receive a free one-year subscription to Home Concierge by HomeAdvisor. This service can connect homeowners with professionals who can help with anything from gardening to landscaping to installing and repairing roofing, appliances, faucets and pipes, as well as services such as electrical work.
• Digital Locker mobile app: This allows Allstate policyholders to take inventory of their personal belongings.
• GoodHome: GoodHome is a tool that collects information about nearby home claims, weather forecasts and public records for homeowners to reference.
• LifeTrek: LifeTrek may help you calculate how much life insurance you need and the right kind of policy for you.
• My Money: This online tool can help with building a financial plan and investing and can even get you in touch with a financial consultant.

Frequently asked questions about Allstate

How do I file a claim with Allstate?

Filing a claim with Allstate can be done online or through the mobile app. Those who want to speak to a live agent can call 1-800-ALLSTATE (1-800-255-7828) 24 hours a day, 7 days a week or their local insurance agent during normal business hours.

Is Allstate a sustainable company?

The Allstate Foundation supports a variety of causes, including diversity and inclusion efforts. These efforts focus on inclusive hiring by partnering with organizations like the Society of Women Engineers, Recruit Military and the National Association of Black Accountants. Allstate also focuses on youth empowerment and relationship violence prevention, recently investing $4 million in programs that advance these causes. In partnership with Northwestern University Kellogg School of Management, the Allstate Foundation helps further the education of nonprofit leaders. Through the Helping Hands program, Allstate agency owners and employees who volunteer four to 16 hours can earn $500 to $1,000 toward the organization of their choice.

Is Allstate good about paying claims?

Allstate boasts an A+ (Superior) financial strength rating from AM Best and an above-average J.D. Power rating for auto claims satisfaction. Both of these ratings indicate that Allstate has sufficient financial resources to pay out claims. However, Allstate scored below average in J.D. Power’s 2024 Property Claims Satisfaction study and had a higher-than-average auto insurance complaint score on the NAIC index.

How do you negotiate with Allstate?

To negotiate with a car insurance provider after a total loss, getting a written estimate from a professional body shop or asking for a Certified Collateral Corporation (CCC) report can be helpful. The more evidence you have, the more likely you are to build a strong case.

Is Allstate better than State Farm?

Although Allstate and State Farm are comparable in many ways, State Farm ranked slightly better for auto and home claims satisfaction in 2023 per J.D. Power. Whether Allstate is better than State Farm really depends on what you’re looking for in an insurance company. If price is the most important factor, get quotes from both companies to compare. If customer service matters most, you may want to read company reviews or speak with current customers. If digital tools are imperative, State Farm bests Allstate in J.D. Power’s 2023 U.S. Insurance Digital Experience Study.

Is Allstate cheaper than Geico?

Allstate is more expensive than Geico, on average. Geico's average annual full coverage premium rate is $550, while Allstate offers an average rate of $840 for full coverage car insurance.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Auto Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Home Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.