Auto Insurance Review
Key takeaways
Allstate ranks #6 for affordability among major car insurance carriers, with average rates of $363 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #4 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #4 — see the coverage section below for which add-ons set Allstate apart.
Allstate ratings
How much does Allstate cost?
Allstate car insurance costs drivers $363 monthly on average, or $4,356 annually — +4% compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how Allstate typically prices different driver profiles.
Avg monthly
$363
Avg annual
$4,356
vs. national avg
+4%
How Allstate compares
+4% above the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Adult drivers (clean record) | $309 | $363 | #6 |
| Young drivers (18–25) | $799 | $908 | #6 |
| Senior drivers (65+) | $345 | $399 | #6 |
| Drivers with one accident | $508 | $599 | #8 |
| Drivers with a DUI | $726 | $835 | #8 |
| Drivers with bad credit | $617 | $690 | #8 |
Allstate earns #6 overall in our auto rankings — the kind of performance that rewards a closer look, not a coin flip.
Allstate reputation
Allstate ranks #4 in QuoteYeti's customer experience study for car insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.89 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customer feedback is mixed; some praise specific service areas while others report frustration with claims complexity.
Step 01
Buying process
Buying coverage from Allstate has been generally adequate, though not without friction for most drivers. The quoting process can happen either online or through a local agent — agent involvement adds personalization.
Step 02
Policy management
Day-to-day policy management at Allstate varies in quality — the mobile experience is reasonable, but complex changes often require phone or agent support. Customers who prefer in-person service appreciate access to local agents.
Step 03
Claims experience
Claims handling at Allstate performs at or slightly above the industry standard. For straightforward claims (windshield repairs, minor incidents), most drivers report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A+ (Superior) | Superior ability to meet financial obligations |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | AA- | Very strong capacity to meet financial commitments |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | 695/1,000 | Below industry average |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.89 | Near the expected level of complaints |
Allstate discounts
Allstate offers 6 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Drivewise (Telematics) | Up to 40% | Earn cash back every 6 months for safe driving habits |
| Multi-Policy Bundle | Up to 25% | Bundle auto with home, condo, or renters insurance |
| Smart Student | Up to 20% | Students under 25 who maintain good grades or complete teenSMART |
| Anti-Lock Brakes | Variable | Vehicle equipped with anti-lock braking system |
| EZ Pay Plan | Up to 5% | Enroll in automatic payments from a checking account |
| Early Signing | Up to 10% | Sign new policy at least 7 days before current policy expires |
Allstate coverage options
Allstate offers a comprehensive coverage menu typical of major car insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Milewise (Pay-Per-Mile) | Personal auto coverage based on actual miles driven | Ideal for drivers under 10,000 miles annually |
| Accident Forgiveness | Prevents rate increases after your first at-fault accident | Available immediately as an add-on; not earned over time |
| Deductible Rewards | Reduces your collision deductible $100 per year of safe driving | Up to $500 reduction over five years |
| New Car Replacement | Pays for a brand-new car after a covered total loss of your new car | Available for vehicles less than 2 years old |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Drivewise® telematics returns cash back every six months for safe driving
- Accident forgiveness available as a policy add-on
- Strong nationwide agent network with personalized service
- Pay-per-mile Milewise® option for low-mileage drivers
- Claim Satisfaction Guarantee program for eligible policyholders
What's not
- Top con Above-average base rates for most driver profiles
- Drivewise can raise rates for hard braking or late-night driving
- Pricing structure can be complex with many optional add-ons
- Customer satisfaction varies significantly by region
Our verdict
The bottom line
Allstate earns an overall score of 4.05/5 in QuoteYeti's car insurance provider rankings. The carrier ranks #6 nationally, with particular strength in specific specialty areas.
Allstate is best suited for drivers who want a balance of price and service from an established carrier. Above-average base rates for most driver profiles is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is Allstate a good car insurance company?
Allstate is a legitimate car insurance carrier with a financial-strength rating of A+ (Superior). It ranks #6 overall and #6 in affordability in QuoteYeti's editorial comparison of major car insurance providers.
How much does Allstate car insurance cost?
Allstate averages $363 monthly ($4,356 annually) — +4% versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how Allstate typically prices different drivers.
What discounts does Allstate offer?
Allstate offers 6 primary discounts, including Drivewise (Telematics), Multi-Policy Bundle, Smart Student. See the full discount table above for eligibility and average savings.
Does Allstate have good claims handling?
Allstate's NAIC complaint ratio is 0.89 (1.00 is the industry average, so lower is better). This is at or near the industry average. J.D. Power claims scores rate 695/1,000.
Should I choose Allstate or a competitor?
Allstate is strongest for drivers who want established carrier reliability. Compare quotes from at least three carriers — Allstate's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for drivers in different situations.
How we rated Allstate
QuoteYeti's car insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple drivers profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.