Allstate Insurance Review and Ratings (2024)

Allstate is one of the biggest names in auto insurance, but it sells much more than coverage for your car. From home and life insurance to coverage for things like your pets, boats, and even events you host, Allstate insurance options are extensive.

While it has great insurance options, its rates also tend to be much higher than other companies. Allstate’s auto insurance rates are particularly high, especially for drivers with a DUI or at-fault accidents.

Despite having higher average rates, Allstate offers some of the best auto and home insurance discounts. It might be the right company for your needs, but reading through this Allstate insurance review is the best way to learn more. After, make sure to compare options from other companies to find the best policy for you.

Allstate Auto Insurance

As one of the largest insurance companies in the country, Allstate offers everything you need for both minimum and full coverage auto insurance. When you shop at Allstate, you can choose from the following basic types of auto insurance:

• Liability: Required in most states, liability insurance pays for damage and injuries you cause in an accident. It’s a good idea to purchase more coverage than required in your state if your budget allows.
• Comprehensive: Comprehensive insurance protects your car from damaging events like falling objects, extreme weather, fires, floods, vandalism, theft, and animal contact.
• Collision: Collision coverage pays for your car repairs after an accident, no matter who was at fault. It also covers you if you hit a stationary object like a light pole.
• Uninsured/underinsured motorist: While most states require insurance, some drivers go without. If you’re hit by someone without enough insurance, uninsured motorist coverage pays your medical bills and car repairs.
• Personal injury protection: Personal injury protection (PIP) insurance pays medical bills for you and your passengers after an accident. It also covers things like lost wages and physical therapy.
• Medical payments: Similar to PIP coverage, medical payments (MedPay) insurance covers health care expenses.

How much insurance coverage you need depends on several factors, including your budget, local laws, and the value of your car.

You’re not stuck with just a basic insurance policy – Allstate sells a variety of add-ons so you can customize your coverage.

Allstate Auto Insurance Add-ons

Like most major insurance companies, Allstate offers a variety of add-ons that allow you to customize your policy and deepen the protection on your car. Allstate customers can choose from the following add-ons:

• Roadside assistance: Allstate auto insurance policyholders can add roadside assistance to their policy, which helps with flat tires, dead batteries, and tows. You can also purchase it as a separate policy, no matter where you get your car insurance from.
• Gap: If you total your car while you owe more on your loan than the vehicle is actually worth, gap insurance pays the difference, so you’re not stuck paying on a car you no longer drive.
• Rental reimbursement: If you have to leave your car at a repair shop after a covered accident, Allstate will pay for your rental.
• Rideshare: Rideshare insurance covers gaps in the coverage offered by companies like Uber and Lyft so you can work without worrying.
• New car replacement: If your car is two years old or younger, Allstate will replace it with the same model year if you total it.
• Milewise: Milewise is Allstate’s pay-per-mile auto insurance option for people who spend less time behind the wheel.
• Vanishing deductible: Allstate reduces your deductible by $100 every year you don’t file a claim, up to $500.
• Umbrella: If you’re worried about the liability portion of your insurance maxing out, you can buy umbrella insurance to ensure your financial responsibilities after an accident are always covered.
• Mexico auto insurance: Planning on driving to Mexico for business or vacation? You’ll need Mexican auto insurance, which Allstate provides.

While adding as much coverage as possible to your policy might be tempting, you should only buy what you need. Each add-on increases the price of your policy, and too many can quickly make your insurance too expensive.

Allstate Auto Insurance Rates

Insurance companies calculate your car insurance rates using a variety of factors, including your age, location, and driving history. Regardless of your circumstances, however, Allstate tends to be one of the more expensive options. Check below to see how much minimum insurance costs from Allstate.

Minimum insurance is your cheapest option for coverage, but it doesn’t protect your vehicle. Full coverage auto insurance is a better choice for many drivers. You can check Allstate’s average full coverage rates below.

As you can see, Allstate auto insurance quotes can be quite high. This is particularly true for teen drivers, drivers with a DUI, and people with low credit scores. Although Allstate rates are high, you might be able to save significantly with its long list of car insurance discounts.

Allstate Auto Insurance Discounts

While the most important step to save money is to compare auto insurance quotes online, another crucial thing to do is look for discounts. Allstate might have high average rates, but it makes up for those prices with a long list of discounts. In fact, the amount of discounts available is a common highlight in most Allstate auto insurance reviews.

You might be eligible for the following savings from Allstate:

• Drivewise: Drivewise is Allstate’s telematics auto insurance program, which tracks driving behaviors. The safer you drive, the more you can save – up to 40% off.
• Safe driver: You can still save on your insurance by being a good driver, even if you don’t want to sign up for Drivewise. Earn Allstate’s safe driver discount by staying accident and traffic violation-free.
• Safety features: You’ll save on your coverage if your car has safety features like anti-lock brakes, audible alarms, air bags, and daytime running lights.
• Homeowner: Save on your car insurance by owning a home with insurance coverage, even if the policy isn’t with Allstate.
• Policy bundling: Save even more by purchasing an Allstate homeowners insurance policy. The bundling discount also works with renters insurance.
• New car: Earn this discount by having a car one model year old or newer and being the first owner.
• EZ Pay plan: Save up to 5% just for setting up automatic payments from your bank account.
• eSmart: Save an additional 10% on your policy by enrolling in paper-free billing and documents.
• Responsible payer: As long as you haven’t received a cancellation notice in the last year for non-payment, you can save up to 5%.
• Smart Student: Unmarried students under 25 can lower their rates by maintaining a 2.7 GPA, completing the teenSMART driving program, or leaving their car at home while attending a school more than 100 miles away.
• FullPay: Save on your insurance by paying your entire six-month premium upfront rather than in monthly increments.
• Premier and Premier Plus: Allstate offers additional ways for safe drivers to save. The Premier discount offers 22% savings if you go three years without a claim, while the Premier Plus saves you up to 35% for going five years claims-free.

Discount availability varies by state, so check with a representative to see what you’re eligible for. Most discounts apply directly to your policy when you sign up, but some require more. Again, a representative will have any information you need.

Allstate Home Insurance

Unlike auto insurance, home insurance is never required by law. However, you’ll probably need to purchase a policy if you have a mortgage. Regardless, protecting your home with coverage is always a good idea.

Allstate homeowners insurance offers the same basic policy options as most major companies, which include:

• Dwelling and physical structure: When you think of home insurance, this is the portion you probably have in mind. It covers the physical structure of your home, plus other freestanding structures like fences, garages, or pools.
• Personal property: Your home is more than walls and a roof – Allstate will repair or replace your personal belongings, including appliances, furniture, and even clothes.
• Liability: You need home liability coverage if a guest injures themselves on your property. The liability section of your home insurance will cover your guest’s medical bills and your legal fees if they sue.
• Additional living expenses: If your home becomes unliveable after a covered event, Allstate will cover living expenses while you wait for repairs.

It might not seem like much, but these types of home insurance policies can save you thousands of dollars if anything happens to your house. However, there are gaps in the coverage. To fill in those gaps, Allstate offers home insurance add-ons.

Allstate Home Insurance Add-ons

Although Allstate home insurance coverage offers great protection, there are gaps. Some of the biggest threats not covered by your policy include extreme weather, earthquakes, and floods. You can also exceed the coverage limits of your personal belongings or liability coverage.

Allstate has add-on options for nearly any event, giving you the best chance at keeping your home safe. These include:

• Flood: While minor water damage is covered in your homeowners insurance, it doesn’t cover flood damage. Nearly every home in America is at some risk of flood damage, but it’s crucial to buy if you live in a flood plain.
• Water backup: America’s sewers are aging, causing more backup damage to houses every year. This add-on covers damage from backed-up drains and sump pumps.
• Earthquake: Regular home insurance doesn’t cover damage caused by moving earth or mudslides. Allstate offers earthquake insurance for your home, but only if you live in California.
• Personal umbrella: If you’re worried about exceeding the limits of the liability portion of your home insurance, you can purchase additional coverage.
• Musical instruments or sports equipment: Basic personal property coverage might not be enough to fully replace expensive musical or sports equipment, but this add-on ensures they’re covered.
• Yard and garden: You can also purchase extra coverage for landscaping and the equipment needed to maintain it.
• Scheduled personal property: You can increase your coverage for expensive personal property like jewelry, art, antiques, and collections as long as they’ve been appraised.
• HostAdvantage: Allstate offers home-sharing insurance if you rent part of your home. It offers additional coverage for damage or theft resulting from renting your home.
• Business property: if you work from home or store business equipment on your property, this add-on has your work equipment covered.
• Green improvement reimbursement: If your home is damaged in a covered event, this add-on covers the cost to repair or replace things with more energy-efficient options.
• Identity theft: Allstate covers your legal fees and other expenses if you become a victim of identity theft.
• Electronic data recovery: This add-on pays to recover lost data, pictures, and videos if your computer is destroyed or damaged.

If you’re interested in any of the add-ons listed above, make sure to check with an Allstate representative. Add-on availability often varies by state, so you might not be able to purchase every optional coverage.

Allstate Home Insurance Rates

Home insurance rates depend on a variety of factors, which makes it difficult to give a rough estimate on how much you might pay. When you shop for home insurance, companies consider the following:

• Location: Your ZIP code tells insurance companies about risks your home will likely face, like floods, extreme weather, and property crimes.
• Age: Older homes are more likely to need more frequent repairs and usually require more expensive materials.
• Size: Generally speaking, larger homes pay higher home insurance rates.
• Personal property: Having expensive collections, valuable jewelry, or high-end furniture can increase your home insurance rates.
• Claims history: Like other types of insurance, you’ll likely pay more for a homeowners policy if you make frequent claims.
• Condition: Having older electrical or plumbing systems in your home usually leads to higher rates because they increase your chances of needing to make a claim.

While many factors affect your rates, Allstate home insurance coverage tends to be on the higher end of the scale. If you’re trying to find how to get cheap homeowners insurance, make sure to compare rates with other companies – you’ll likely find lower rates elsewhere.

Allstate Home Insurance Discounts

Despite having high average rates, Allstate offers a variety of discounts to help you save. These include:

• Policy bundling: Save on both policies when you purchase home and auto insurance from Allstate.
• Claims-free: New customers without a recent claim from their previous provider can save up to 20% by switching to Allstate.
• Early signing: You can also save up to 10% on a new Allstate policy if you sign up at least seven days before your previous coverage ends.
• New home: Allstate gives a small discount if you’ve recently purchased a new home. Bigger savings are available if you buy a recently constructed home.
• Responsible payment: Not only does paying your bills on time help you avoid your home insurance from being canceled, but you’ll also earn a discount.
• Welcome and loyalty: You’ll earn a 10% discount when you sign up for an Allstate home insurance program, which will last as long as you remain a customer.
• Easy Pay plan: Save 5% on your home insurance just by enrolling in automatic payments.
• Protective device: You can keep the cost of your homeowners insurance down by keeping your home safe. Homes with safety features like alarms might be eligible for this discount.

As you can see, Allstate offers several discounts for new customers. Taking advantage of these discounts at the start of your policy is a great way to keep your costs as low as possible.

Allstate Life Insurance

Life insurance is one of the best ways to financially protect your family after your death. Allstate sells a variety of life insurance policies, including the following:

• Term: Term life is the most popular type of insurance because it’s affordable and offers good death benefits. Allstate sells term life insurance in 10 to 40-year terms.
• Whole: While more expensive, whole life insurance is a permanent plan you never have to worry about renewing. It also accumulates cash value over time.
• Universal: Another permanent type of life insurance, universal policies have flexible premiums. You can adjust how much you want to contribute as long as you meet your minimum.
• Variable universal: Variable universal life insurance plans allow you to invest your accumulated cash value.

The type of policy best suited for you depends on several factors. If you’re unsure which type would work best for you, an Allstate representative can help.

Another thing to keep in mind about Allstate is that it doesn’t directly sell every type of insurance. If you purchase Allstate term life insurance, your policy will likely be written by Allstate. Any other type of insurance will be written and managed by one of Allstate’s partners.

Allstate Life Insurance Add-ons

Companies offer life insurance policy riders so you can customize your insurance and increase your coverage. When you shop at Allstate, you may be able to purchase the following add-ons:

• Automatic premium loan provision: If, for any reason, you miss your monthly payment, Allstate will take a loan from your policy’s cash value instead of canceling your policy.
• Term: You can add extra coverage to your policy for a specified period of time.
• Accelerated death: This add-on allows you to access a portion of your death benefit to pay for medical expenses if you’re diagnosed with a terminal illness or need long-term care.
• Accidental death: Your beneficiary will receive a larger payment if you die in an accident.
• Waiver of premium: If you become disabled after a pre-specified age, this add-on guarantees that you won’t lose your life insurance, even if you can’t afford your premiums.
• Guaranteed insurability: This add-on allows you to purchase additional coverage without resubmitting a medical exam.
• Spouse and children: You can add term coverage for your spouse or children to your plan, which can be converted into a permanent policy later.

You’ll need to speak with an Allstate representative to see which riders are available in your area. Some add-ons aren’t sold in every state, and some are only eligible to be added to specific policies.

Other Types of Allstate Insurance

Aside from auto, home, and life insurance, there are several other Allstate insurance options to choose from. These include:

• Motorcycle
• ATV/off-road/snowmobile
• Renters
• Condo
• Roadside assistance
• Boat
• Recreational vehicle (RV)
• Landlord
• Business
• Classic cars
• Identity protection
• Phone protection
• Personal umbrella
• Pet
• Event
• Travel

While Allstate writes several of these policies, others are managed by partners. Regardless, Allstate guarantees you’ll receive the same service no matter who writes the policy.

Allstate Insurance Reviews and Ratings

Unfortunately, despite being one of the largest providers in the country, Allstate is ranked the worst insurance company in America. However, that ranking is mainly by customer experiences – many third-party companies give Allstate excellent ratings.

For starters, A.M. Best rates companies on their financial strength, a vital indicator of whether they’ll be able to pay future claims. Allstate has a superior rating of A+, meaning you won’t have to worry about your claims going unpaid.

Another important rating is the National Association of Insurance Commissioners (NAIC). The NAIC rates companies on their size compared to the number of complaints they receive. The national average is 1.0, with higher ratings meaning the company receives more complaints. Allstate has a 2.70, indicating it receives more than double the number of complaints compared to other companies.

As for customer reviews, Allstate seems to have more unsatisfied customers than happy ones. A common complaint centers around Allstate’s high rates. Many customers also complain of rude customer service experiences.

On the positive side, customers often say that it’s easy to contact customer service through the Allstate insurance phone number. Others say that while rates are high, they enjoy the amount of services Allstate offers.

Find Allstate Insurance Quotes Today

Allstate earns its spot as one of the largest insurance companies in America by offering an extensive list of coverage types and discounts to help you save. However, Allstate insurance rates tend to be some of the highest on the market, and it doesn’t have the best reputation with its customers.

While Allstate is the right choice for some, you should compare rates and policy options with multiple companies before you decide. Allstate insurance options are impressive, but the hefty price tag might not be worth it.