Allstate Auto Insurance Review [2024]

What You Should Know About Allstate

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• Allstate is one of the largest insurance companies in the country, with its popularity in part because of its ample insurance options
• Allstate auto insurance rates are often the most expensive compared to similarly-sized companies
• Despite being a popular choice, Allstate has a lot of negative customer reviews focused on a slow claims process and bad customer service experiences

[/su_box] When it comes to auto insurance, Allstate Insurance is one of the most recognizable names on the market. With a long list of car insurance options and discounts, it’s easy to see why so many drivers turn to Allstate. However, Allstate’s average rates tend to be higher than other companies. Additionally, the company struggles with negative customer reviews and poor ratings. In fact, Allstate is ranked the worst insurance company in America. However, many customers remain loyal to their Allstate policies, in part due to the company’s unique insurance options. Comparing quotes with multiple companies is integral before signing up for a new policy, or you might be overpaying for your insurance. Read through this Allstate auto insurance review to see if it might be right for you. Then, compare your car insurance options to find the best policy possible.

Allstate Insurance Coverage Options

There are two main types of auto insurance policies – minimum and full coverage. The best policy for you depends on your needs, but Allstate offers everything you need for both. [quote_expert_blockquote style="4" headshot="https://staging.freeadvice.com/wp-content/uploads/2023/05/jeffrey-manola.png" name="Jeffrey Manola" title="Licensed Insurance Agent" quote="Minimum insurance is the least coverage you can purchase in your state and still legally drive. It’s your cheapest option for coverage, but it doesn’t cover your car. A full coverage policy is often the better choice for most drivers but comes with higher rates. An Allstate representative can help you determine which policy is best for you." /] When you shop at Allstate, you can choose from the following types of standard insurance:

• Liability: Liability insurance is the most commonly required type of coverage by state law. It ensures you can pay for injuries and damage you cause in an at-fault accident.
• Collision: Since liability insurance never covers your vehicle, you’ll need collision coverage for your own car repairs. It covers accidents with other drivers and collisions with stationary objects.
• Comprehensive: There’s a lot more than car accidents that can damage your vehicle. Comprehensive insurance covers damage from things like animals, weather, fires, vandalism, and theft.
• Uninsured/underinsured motorist: Although most drivers must carry insurance, it doesn’t mean everyone does. Uninsured motorist insurance pays for your medical bill and car repairs if you’re hit by a driver without the proper coverage.
• Personal injury protection: Personal injury protection (PIP) insurance covers health care and related expenses for you and your passengers after an accident, no matter who was at fault.
• Medical payments: Medical payments (MedPay) insurance is offered in states that don’t have PIP. It works similarly to PIP insurance but doesn’t offer identical coverage.

Many drivers find the coverage listed above is good enough for their vehicle. However, Allstate offers a variety of add-ons if you want to customize your policy with extra coverage. Learn more about its insurance options in our Allstate insurance review.

Allstate Auto Insurance Add-Ons

Auto insurance add-ons offer special coverage not found in a standard policy. They won’t appeal to every driver, but they fill in specific gaps that can be useful to certain people. While some companies only offer a few add-ons, Allstate has a fairly impressive selection. Allstate auto insurance add-ons include:

• Rideshare: While companies like Uber and Lyft offer coverage to their drivers, they don’t usually cover everything. Allstate rideshare insurance fills those gaps to protect you better while working.
• Gap: Gap insurance protects you against an underwater loan if you total your car, so you don’t have to pay for a vehicle you no longer drive.
• Roadside assistance: Purchase this add-on if you want Allstate to rescue you when you have a flat tire, dead battery, empty gas tank, need a tow, or lock yourself out of your car.
• New car replacement: Available for cars two years old or younger, Allstate will replace your car with the same model year in case you total your vehicle.
• Rental reimbursement: Allstate pays for your rental car if your vehicle is stuck in the mechanic for repairs after a covered incident.
• Vanishing deductible: Every year you don’t file a claim, Allstate reduces your deductible by $100. You can stack this up to five times for a total of $500.
• Umbrella: You can increase the liability coverage of your car insurance policy with this add-on.
• Mexico auto insurance: You’ll need a separate car insurance policy if you plan on driving your vehicle in Mexico. Allstate can set you up a temporary or permanent Mexican add-on, depending on your needs.

Allstate auto insurance quotes are generally higher than other companies, but many customers say the prices are worth it because of Allstate’s excellent insurance options. [quote_expert_blockquote style="4" headshot="https://staging.freeadvice.com/wp-content/uploads/2023/02/37cb002e-tracey-wells.jpg" name="Tracey L. Wells" title="Licensed Insurance Agent & Agency Owner" quote="Most Allstate auto insurance add-ons can only be added to an existing policy, but there are three options for Allstate roadside assistance. You can add it to your policy, buy a standalone Allstate roadside assistance plan, or call for a one-time rescue." /] You should keep in mind how much insurance coverage you need before signing up for add-ons. While extra coverage is never a bad idea, adding extra insurance to your policy can quickly increase your monthly premiums.

Allstate Drivewise

Drivewise is Allstate’s telematics auto insurance program that helps safe drivers save. Allstate offers one of the highest discounts of any company, advertising that safe drivers can save up to 40%. You can enroll in Drivewise through the Allstate auto insurance mobile app. Drivewise tracks your driving behaviors, like hard braking, rapid acceleration, overall speed, and what time of day you drive. The more consistent you are in your safe habits, the more you’ll save. [quote_expert_blockquote style="4" headshot="https://staging.freeadvice.com/wp-content/uploads/2023/02/Kristen-G..png" name="Kristen Gryglik" title="Licensed Insurance Agent" quote="Although Allstate advertises a maximum savings of 40%, most customers report a 35% discount. The maximum discount only applies to safe drivers, however — if you don’t practice safe habits or have to drive during high-risk hours, you won’t get as much from Drivewise." /] Drivewise offers other unique features besides a discount. For example, Drivewise comes with crash detection. The app will send you options to contact emergency services, roadside assistance, or start a claim when it detects a collision.

Allstate Milewise

Milewise is a pay-per-mile auto insurance program Allstate offers for low-mileage drivers. Rather than paying a flat monthly rate for your insurance, your premium is calculated by how much you drive. Your monthly rate is comprised of two parts. The first is a flat daily rate you’ll pay no matter how much you drive. The second part is how much you’ll pay per mile. Added together, these rates make up how much you pay per month. For example, if your flat daily rate is $1.50, your per-mile rate is $.05, and you drive 20 miles daily, you’ll pay $2.50 per day for insurance. A 30-day month comes out to $75. Milewise is a great option for low-mileage drivers, but not worth it even if you put an average number of miles on your car.

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Allstate Insurance Rates Breakdown

Despite having ample discount opportunities, the Allstate auto insurance company is known for its high rates. Allstate is usually one of the most expensive options for car insurance for all demographics. Even minimum insurance rates are higher with Allstate, which you can explore below. [table id=146 responsive=scroll /] Drivers looking for full coverage should expect to pay even higher rates. Allstate's full coverage rates can be quite expensive, as shown below. [table id=147 responsive=scroll /] Allstate’s rates are usually high, but it does a little better for teen and young drivers. However, companies like State Farm or Geico might have better rates.

Allstate Discounts Available

Allstate’s average rates might not be the most affordable, but it does offer a long list of ways to save. In fact, Allstate has one of the longest selections of discounts of any company. These discounts include:

• Policy bundling: Save on multiple policies if you purchase Allstate auto and home or renters insurance.
• Safe driver: If you don’t want to sign up for Drivewise, you can still earn a discount by staying accident and traffic violation-free.
• Homeowner: Allstate gives a car insurance discount to homeowners with home insurance, even if the plan is with another provider.
• EZ Pay plan: Setting up automatic payments can save you an easy 5% on your insurance.
• eSmart: Another easy discount to earn, you’ll get 10% off your policy if you sign up for paper-free billing.
• FullPay: Pay your entire six-month premium at once instead of in monthly increments to earn this discount.
• Responsible payer: Allstate gives a 5% discount to policyholders who have not received a cancellation notice within the past 12 months for non-payment.
• New car: If your car is one model year or newer and you’re the first owner, you may be eligible for this discount.
• Safety features: Allstate rewards you for driving a safe car. Features like anti-lock brakes, air bags, daytime running lights, and anti-theft devices can help you save.
• Premier and Premier Plus: The Premier discount is available to drivers who go three years without making a claim, while Premier Plus is for people who make it at least five years claims-free.
• Smart Student: Allstate offers a few ways for unmarried students under 25 to save. They can maintain at least a 2.7 GPA, leave their car at home while attending a school at least 100 miles away, or complete Allstate’s teenSMART program.

Most discounts will apply to your account when you sign up for your policy. Others need to be earned over time, like safe driving or the premiere discounts. To get the Smart Student discount, you’ll likely need to provide some documentation.

How Allstate Ranks Among Providers

Although Allstate is one of the largest companies in the country, it’s not the best choice for everyone. While Allstate auto insurance options are excellent, finding affordable rates is integral to car insurance shopping. Compare Allstate’s car insurance rates with other companies below. [table id=148 responsive=scroll /] Allstate is often one of the most expensive options for insurance, but keep in mind that prices aren’t the only thing to consider. For example, Geico rates are usually low, but it doesn’t offer gap insurance. Allstate’s higher rates might be worth it for the extra coverage options.

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