If you are a current customer of Allstate or a prospective customer wanting to switch, selecting a dependable insurance provider to protect you and your auto — as well as finding the lowest price — can be difficult every time your policy is up for renewal. In addition, while Allstate provides additional bonuses and incentives for policyholders, it is up to you to decide if you would want to opt for Allstate.
You may be best familiar with Allstate's auto insurance products. Allstate is considered to be one of the best car insurance companies. So we at Way.com have decided to get some boots on the ground and review how the auto insurance company Allstate performs for its customers.
| PROS | CONS |
|---|---|
| Depth of coverage options and benefits | One of the most expensive auto insurance in the US |
| Excellent financial strength, which connects to the ability of the company to pay claims | Probably not the best car insurance for students |
| There aren't many consumer complaints |
| Unique features | What do they do |
|---|---|
| Deductible rewards | You will get $100 off your collision deductible, up to $500 if you go every year without a traffic violation. When you join up for Allstate, you will receive a $100 discount. |
| Replacement of a new car | If you total your new car within the first two years, you will get a check for a new car rather than simply the depreciated worth of your old one. |
| Milewise | daily base charge and a per-mile rate based on the number of miles you drive. |
Allstate provides the standard auto coverage options, as well as several optional features that you may choose for an additional fee (depending on your state), such as:
Accident forgiveness: It will ensure that your rates will not rise due to a single accident, even if it was your fault.
Safe driving bonus: You can receive a check for every six months of accident-free driving with Allstate.
There are three types of roadside assistance: Pay-per-use, an add-on to an auto insurance policy, or through Allstate's Motor Club, a subscription service comparable to AAA.
Rideshare insurance: Allstate's Ride for Hire coverage is an add-on for clients who drive for ride-hailing services like Uber and Lyft. This policy does not apply in all states. In addition, the complete coverage provided by rideshare businesses applies only while you are transporting passengers, with limited coverage in between rides.
Allstate's ridesharing insurance is included in your regular policy and covers you for the duration of your app's operation. Allstate promises discounts and savings when using this service, which provides information on what others spent for the same type of car, including incentives and fees.
Claim satisfaction guarantee: If you are dissatisfied with how a claim was handled, Allstate will give you a six-month credit on your auto insurance rate. The guarantee is included with all standard plans in places where it is available.
Drivewise: Allstate offers a discount simply for using their Drivewise app, which monitors your speed and braking habits as well as the time of day you drive. Every six months, you can receive cash back and reward points toward shopping discounts if you drive safely. Non-customers can sign up for the rewards points program, but it is not available in all states.
A driver's rate can be affected by whether they choose low, medium, or high coverage. In general, high coverage may be worth the extra expense in the event of an accident because it gives additional protection. According to our research, the national average rate for low coverage at Allstate is approximately $1689, medium coverage is approximately $1791, and high coverage is approximately $1896, all of which are approximately 35% higher than the national average cost.
Switching from low to high coverage with Allstate will only cost you roughly $209 per year, or $17 per month. For a tiny additional fee, you might have much more protection in the event of an accident.
We defined our coverage levels based on the following factors.
Low Liability Coverage: The state's liability limits.
Medium Coverage:
| Amount of coverage | Purpose of coverage |
|---|---|
| $50000/$100000 | Liability for bodily injury |
| Liability for bodily injury caused by an uninsured motorist | |
| Liability for bodily injury caused by an underinsured motorist |
| Amount of coverage | Purpose of coverage |
|---|---|
| $50000 | Liability for property damage |
| Property damage responsibility for uninsured motorists | |
| Property damage responsibility for underinsured motorists |
High coverage:
| Amount of coverage | Purpose of coverage |
|---|---|
| $100000/$300000 | Liability for bodily injury |
| Liability for bodily injury caused by an uninsured motorist | |
| Liability for bodily injury caused by an underinsured motorist |
| Amount of coverage | Purpose of coverage |
|---|---|
| $100000 | Liability for property damage |
| Property damage responsibility for uninsured motorists | |
| Property damage responsibility for underinsured motorists |
According to our research, Allstate's national average rate is the most expensive of the top nine national auto insurance providers. Farmers are likewise expensive, but it is 9% less expensive than Allstate when comparing national average rates. An Allstate customer can anticipate paying $1794 on average, which is around 35% more than the overall national average premium of $1329.
Our age and demographic data are divided into three age groups: 18-year-old men and women, 25-year-old men and women, and 60-year-old men and women. According to our review of Allstate auto insurance premiums, 25-year-old men and women pay higher than 60-year older men and women.
The premium of car insurance for women is lower than that of men.
| Age Bracket and Gender | Allstate average annual premium |
|---|---|
| <18 or 18-year-old female driver | $2694 |
| <18 or 18-year-old male driver | $3054 |
The car insurance for women in the 18-year-old bracket for Allstate rate is roughly $2694, about 40% higher than the general national average for auto insurance for this age group. The Allstate rate for men is higher, at around $3054, or about 36% higher than the national average.
| Age Bracket and Gender | Allstate average annual premium |
|---|---|
| <25 or 25-year-old female driver | $1929 |
| <25 or 25-year-old male driver | $2001 |
An average 25-year-old woman anywhere in the country should expect to pay roughly $1929 for auto insurance, 29 percent higher than the national average. The average Allstate rate for a 25-year-old guy rises to around $2001, or roughly 28% more than the national average.
| Age Bracket and Gender | Allstate average annual premium |
|---|---|
| 60-year-old female driver | $1641 |
| 60-year-old male driver | $1689 |
The rates paid by women for Allstate is roughly $1641, or about 42 percent more than the national average, for auto insurance when she was 60 years old. The men paid Allstate an average of $1689, 42 percent higher than the national average.
| Driver category | Allstate average annual car insurance |
|---|---|
| Good Drivers | $1794 |
| Drivers with a speeding ticket | $2043 |
| Drivers Who Caused an Accident with Injury | $2520 |
| Drivers with a DUI | $2631 |
The following are the discounts offered by Allstate:
According to the most recent evaluation of Allstate's claims satisfaction, financial outlook, and national complaint ratio, the company has fewer complaints than the national median. The most crucial factor that Allstate ranked for was trustworthiness. Many customers found that the premiums of Allstate were higher when compared to a national level. Most of the students who used Allstate for their car insurance purpose found Allstate to be on the higher end of the scale.
Reputable third-party groups often rank Allstate well. It has healthy finances that are crucial in paying out claims to policyholders. Despite slightly higher premiums, they're still the third-largest insurer in the country, with a reputation for exceptional customer service, accident forgiveness policies, safe driver discounts, and various other perks for policyholders. It would be best to always compare car insurance quotes before signing on the dotted line with a new insurance company.
Allstate auto insurance is a dependable alternative for many drivers.
Allstate sells a variety of other products to cover a wide range of consumer needs in addition to house and auto insurance. Allstate sells business insurance coverage to safeguard small business owners from events such as financial loss or weather damage to their storefront.
Other sorts of coverage include:
Allstate also offers retirement annuities, life insurance, landlord insurance, umbrella insurance, and travel insurance, among other products.
General Robert E. Wood, President and Board Chairman of Sears and Roebuck & Co., founded a car insurance company that offered policies through the mail in 1931. Allstate went public in 1993 in what was then the world's largest initial public offering.
Two years later, Allstate became an independent corporation after Sears liquidated its remaining interests to Sears investors.
Allstate is headquartered in Northbrook, Illinois, and has over 113 million active policies.
The Allstate Foundation encourages people to take action to better their communities and raise awareness about the causes they support.
Four causes are at the heart of this organization:
Allstate has two other programs in addition to helping these causes:
The Renewal Project tells the tales of people and organizations working to improve their communities.
Individuals and communities are equipped with history and constructive communication techniques as part of the Better Arguments Project, which aims to overcome ideological gaps and promote community dialogue.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
An Allstate customer can anticipate paying $1794 on average, which is around 35% more than the overall national average premium of $1329.
The good news is that if you have Allstate auto insurance for your car, you will most likely be protected for your rental car as well.
Reputable third-party groups often rank Allstate well. It has healthy finances that are crucial in paying out claims to policyholders.
If you are a policyholder with Allstate, you will be required to pay $150 per month. Allstate has the highest premiums among the car insurance companies we looked at. The average motorist would pay $1794 per year for insurance, 35% more than the national average. The rate projected above is not set in stone. The car insurance premium is based on various personal details you provide to the car insurance company.
Instead of phoning 1 (800) ALLSTATE, you should contact your local agent to cancel your car insurance policy directly with Allstate. You may be asked to submit a written request to cancel your policy.
You may wish to double-check that your cancellation request has been processed because it can take a few days for it to appear on your account.
Yes, Allstate pays the claims on time. Allstate may pay your claim straight to the repair business or send you money for compensation, depending on your situation.
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