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Allstate Auto Insurance: Our 2021 Review

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ZTSG 14/09/2021 Hatchback 214
Allstate Insurance ReviewIn Our Opinion:Allstate is a smart choice for car insurance for its extensive coverage and long list of discounts. Additionally, it has plenty of local agents.Industry Standin...

Allstate Insurance Review

In Our Opinion:

Allstate is a smart choice for car insurance for its extensive coverage and long list of discounts. Additionally, it has plenty of local agents.

Industry Standing:

95

Availability:

100

Coverage:

90

Affordability:

80

Customer Service:

85

Online Experience:

90

Pros

Works through a network of local agents to provide coverage

Superior financial strength rating from AM Best and A+ rating from the Better Business Bureau (BBB)

Mileage-based discount program

Cons

Expensive

Mixed customer service reviews

100

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Allstate is one of the most well-known insurance companies in the country, but is Allstate auto insurance the best choice for you?

In this review, we’ll break down Allstate’s coverage, discounts, and customer reviews. Then, we’ll compare it to the providers that topped our list for the best auto insurance on the market to see how it matches up.

Anytime you shop for insurance, we recommend getting a few free quotes before making a decision on coverage. Our easy tool below allows you to get started by entering your zip code.

Allstate Overview

Allstate Auto Insurance Coverage

Allstate Auto Insurance Cost

Allstate Discounts

Extra Perks

Drivewise®

How to File a Claim

Allstate Auto Insurance Reviews

Positive Allstate Auto Insurance Reviews

Negative Allstate Auto Insurance Reviews

Our Verdict on Allstate Auto Insurance: 90%

Top Picks for Car Insurance

GEICO: Best Overall

State Farm: Best for Student Drivers

FAQ: Allstate Auto

Allstate Overview

As one of the biggest car insurance companies in the country, Allstate is available in all 50 states. In 2019 alone, Allstate wrote over $23 billion in premiums according to the National Association of Insurance Commissioners (NAIC).

The insurer has an A+ AM Best financial strength rating and an A+ from the Better Business Bureau (BBB). Allstate works through a network of local agents to provide auto insurance to customers. The main benefit of this is that local agents can cater directly to the needs of specific communities.

In addition to auto insurance, Allstate offers the following types of coverage:

Home insurance

Renters insurance

Condo insurance

Motorcycle insurance

Business insurance

Life insurance

Allstate Auto Insurance Coverage

Allstate offers the following types of standard auto insurance coverage:

Liability insurance

Collision insurance

Comprehensive insurance

Medical payments

Personal injury protection

Uninsured and underinsured motorist insurance

On top of those basic coverages, you can get the following types of Allstate auto insurance when you sign up for a policy.

Rental reimbursement

Rental reimbursement helps you pay for transportation expenses such as a rental car or public transportation.

Gap insurance

This helps pay off your auto loan if your car is totaled or stolen.

New car replacement

If your car is two model years old or less, Allstate will replace it after a covered accident.

Towing and labor

This coverage includes towing, flat tire changes, jump-starts, lockout assistance, and gas or oil delivery.

Rideshare insurance

If you drive for Uber or Lyft, rideshare insurance can help cover you when you are waiting for passengers between rides.

Sound system coverage

This coverage will replace stolen or damaged sound equipment.

Classic car insurance

Protect your classic or collector vehicle with Allstate.

Allstate Auto Insurance Cost

After doing our homework on the provider, we found that Allstate tends to be more expensive than competitors. However, many factors influence your car insurance premium, including your age, driving history, and vehicle make and model. The only way to know how much you would pay for coverage is to get a quote.

Allstate Discounts

Discounts can greatly reduce an insurance premium, depending on which savings you qualify for. Here are the discounts you can get with Allstate auto insurance:

Allstate Discount

Details

New car

If you are the first owner of your car, you could be eligible for a discount.

Multiple policy

Bundle your auto insurance with home or renters insurance to save money.

Smart student

Full-time students with good grades can save on car insurance.

Anti-lock brakes

Save if your car has anti-lock brakes.

Anti-theft devices

Save if your car has an anti-theft device.

Early Signing Discount

®

Sign up for your policy seven or more days before it comes effective.

Responsible payer

Save if you paid on time for the past year.

EZ pay plan

Save for setting up automatic withdrawals.

Allstate eSmart

®

Go paperless by signing up for an ePolicy, and your premium will be reduced.

FullPay

®

Pay your auto insurance policy in full to save money.

Safe driving club

Drive safely to make it into Allstate’s safe driving club and receive a discount.

Extra Perks

Along with discounts, you can also save money on an Allstate auto policy by checking out the following programs and benefits:

Accident forgiveness: This can be added onto your policy so your rates won’t go up after an acciden

t.

Safe Driving Bonus

®

: Receive a bonus for every six months of safe driving.

Deductible Rewards: Get $100 off your collision deductible when you sign up and another $100 off your deductible each year you are accident-free (up to $500 total).

Drivewise

®

Like most leading car insurance companies, Allstate has a safe driving app that can help you lower car insurance rates by driving safely. The free app, Allstate Mobile, provides you with personalized feedback on your driving habits. You can get cashback just for signing up for the program, and then every six months, you have the potential to earn more savings.

The Allstate Mobile application has a 4.1-star rating on Google Play. Many positive reviews highlight the app’s convenience, while negative reviews mention glitches and technical difficulties.

How to File a Claim

Allstate has an easy online claims process that includes instructions for how to proceed after an automobile accident. The website allows you to track claims and make payments. Alternatively, you can use the Allstate Mobile app to manage claims.

Allstate Auto Insurance Reviews

Allstate performs well in industry studies such as the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study

SM, where it earned the highest rating among top insurers in Florida.

The company has closed more than 400 complaints through the BBB in the past year, however it only has a 1.7-star rating from customers based on more than 200 reviews. Keep in mind that customers are more likely to leave negative reviews than positive when it comes to car insurance companies, especially during the stressful claims process.

Positive Allstate Auto Insurance Reviews

“We have had a total of three accidents in 20 years, and each incident was handled smoothly and within 24 hours. The representatives have always been patient, attentive, and accurate with [the] information provided to settle each case.” – Christy P., BBB

“Been with this company over 13 years. They have always been extremely helpful! Car wreck, no problems, taken care of so very well.” – Christina M., BBB

Negative Allstate Auto Insurance Reviews

“Too hard to get [the] claim processed. [Can’t] use print out straight from appointment at the doctor’s office or insurance form sent after service. Constantly having to send more forms. Takes forever to get paid on anything. Worst insurance I have ever dealt with!” – Connie Q., BBB

“I called in January 2020 to have one car removed and homeowners changed to renters insurance. I was told that the entire old policies would need to be cancelled, and a new one with my current needs would be made. That was fine, however for the next [two] months I was charged double because the [original] policy had not been cancelled properly.” – Lee, BBB

Our Verdict on Allstate Auto Insurance: 90%

We rated Allstate at 90% because of its availability and excellent industry standing. Allstate auto insurance coverage is comprehensive, although it can be expensive compared to insurance from other top providers. If you quality for discounts, you can find great coverage with Allstate.

We recommend reaching out to Allstate and a few other providers so you can compare policies side by side. Enter your zip code below to start getting free car insurance quotes.

Top Picks for Car Insurance

In addition to Allstate auto insurance, our team has done the research on other top insurance providers. Two of the insurance companies that we highly recommend are GEICO and State Farm.

GEICO: Best Overall

Our team rated GEICO at 96 percent and found that it is the best choice for most drivers. GEICO has an outstanding customer service reputation and high ratings from industry experts, including an A++ financial strength rating from AM Best and an A+ from the BBB.

GEICO is known for its affordable coverage. You can bundle multiple types of insurance like auto and homeowners and save on both. Read our full GEICO auto insurance review to learn more.

State Farm: Best for Student Drivers

Our team rated State Farm at 95 percent because of its long list of discounts and strong online experience. State Farm has an A rating from the BBB, a 4.7-star rating on Google Play, and an A++ financial strength rating from AM Best.

State Farm’s Drive Safe & SaveTM program can save you money if you are a safe driver, and the Steer Clear

®

program is designed particularly for young drivers. For more information about coverage, read our full review of State Farm auto insurance.

FAQ: Allstate Auto

Is Allstate a good insurance company?

Allstate is one of the top insurance companies in the country because of its strong industry standing and availability. It offers coverage in all 50 states through a network of local agents. There are many discounts available and an Allstate mobile app that makes filing claims simple.

Does Allstate have 24-hour customer service?

Yes, Allstate has 24-hour customer service. You can call 1-800-ALLSTATE for assistance with billing, claims servicing, and managing policy documents. Allstate Mobile allows customers to manage their policies anywhere at any time.

How do I know if I have Allstate coverage?

You can view your personal information by logging into your account and clicking the "My Account" button. You can also download Allstate Mobile on your phone or tablet to view the policy document at any time.