Allstate Auto Insurance Review

Pros Explained

  • Car insurance for unique needs: In addition to standard car insurance, Allstate also offers classic car insurance and car insurance for Mexico. 
  • Generous discount program: There are 10+ different discounts to help lower the cost of car insurance. 
  • Multiple options for roadside assistance: Allstate goes above and beyond with 24/7 support when you subscribe to one of its plans for roadside assistance.

Cons Explained

  • Poor customer satisfaction: Allstate consistently rates below average for customer satisfaction in both J.D. Power and NAIC ratings. 
  • Extra cost for roadside support: Customers must subscribe to an additional roadside assistance package to benefit from this service. 
  • Policies sold in six-month terms: Allstate only sells car insurance policies lasting six months instead of a year.

presentation

Allstate Insurance Company is a lead national supplier of respective types of insurance including car, home, life, motorbike, renters, and off-road indemnity. It is peculiarly long-familiar in the car insurance diligence for its long history and a full cortege of policy products.

however, based on your needs, Allstate might not be the best choice, so you ’ ll need to weigh the pros and cons to find the best car insurance companies that are right field for you .

company Overview

Allstate was founded in 1931 by General Robert E. Wood, the President and Board Chairman of Sears, Roebuck & Co. He applied the like insurance model to his stores, starting an insurance company that sells indemnity via mail. He applied the same model to policy as he did to his stores, starting an insurance company that sells indemnity via mail .
nowadays, Allstate has the eminence of serving as the largest publicly-held personal insurance company in the U.S. with over 113 million proprietorship policies. It is headquartered in Northbrook, Illinois, where it services all 50 states. It besides partners with respective companies to underwrite its policies, including Allstate New Jersey Property and Casualty Insurance Company and Castle Key Insurance Company in Florida .
Allstate claims to support its customers, but the company is presently involved in a Florida consumer class action suit regarding spam texting using personal numbers allegedly purchased from data collection companies. It besides settled a national domestic course action lawsuit representing policyholders in 38 different states. These policyholders had underpay property damage claims, although these cases predominantly addressed Allstate ‘s home indemnity claims .

Types of coverage

Allstate offers multiple standard and optional plans for car insurance .

standard Car Insurance coverage

Allstate offers many of the traditional types of indemnity coverage most drivers need to protect themselves and others while behind the wheel .

collision coverage

If you are involved in an accident, your collision coverage handles the cost of any damages made to your vehicle .

comprehensive examination coverage

comprehensive coverage handles damages relating to natural occurrences, like hail, fallen trees, larceny, and vandalism .

Liability Coverage

If you are at blame in an accident, indebtedness protection can cover property damage, injury, or even the death of another party .

medical Payments Coverage

aesculapian payments coverage includes protection for any injuries affecting you and any of your passengers that were sustained during an accident .

Uninsured and Underinsured Motorist Coverage

If you are involved in an accident with an uninsured, at-fault driver, uninsured and underinsured motorist coverage can help cover any damages you incur .

personal Injury Protection

personal injury protection, or PIP, protects you should you experience injuries during an accident covered by your policy policy .

optional coverage

personal umbrella policy

If you need extra protection, an umbrella policy provides extended coverage beyond the limits of your standard policy .

rental Reimbursement coverage

If your fomite is damaged from a traverse loss, such as a collision, you can purchase extra rental reimbursement coverage to cover a rental car or other eligible transportation system while your vehicle is being repaired .

classic cable car policy

If you drive an antique or classic car, even car insurance may not be adequate to cover any damages you incur. rather, authoritative car policy from Allstate offers extra coverage to reduce your personal liability. however, it is significant to note that classic car insurance is sold via Allstate but provided by Hagerty Insurance Agency, LLC, a third-party provider .

Mexico Travel Car insurance

If you plan to travel to Mexico, you can purchase cable car insurance to protect your vehicle in character of an incidental during your trip. This offprint coverage is added to your regular domestic cable car policy policy for drivers in both the U.S. and Canada with coverage available for up to one class .

Roadside Assistance design

If you run into perturb on the road, Allstate offers optional wayside aid plans. This can include 24/7 coverage for things like changing a tire, jumpstarting your car, or providing tow service. You can besides receive extra perks like discounts and resources for travel or buying a newfangled car .
There are two plans for Allstate ’ s wayside aid. coverage is available to all drivers, regardless of whether you are an Allstate policyholder .

Plan First-year cost per month  Membership fee  Benefits 
Roadside Advantage
24/7 protection for local/minimal driving
$7 First year $79
Renewal $99
Maximum 3 rescues per year
$1,500 trip interruption
$100 road hazard benefit
$150 tow service benefit (per tow)
Jump starts
Fuel delivery
Lockout assistance 
Tire changing 
Roadside Elite:
24/7 coverage for regular travelers, motorcycles, and RVs 
$12  First year $149
Renewal $169 
Maximum 5 rescues per year
$1,500 trip interruption
$250 road hazard benefit
$250 tow service benefit (per tow)
Jump starts
Fuel delivery
Lockout assistance 
Tire changing 

Allstate is besides one of our picks for the best impermanent car policy .

Discounts

Allstate offers 10+ discounts to help you cut car indemnity costs. note that, for many of these, it ’ s ill-defined upfront how much of a rebate you ’ ll receive ; you ’ ll need to speak with a company congressman or sign up for a policy beginning .

Drivewise

Allstate ’ mho signature Drivewise program is available entirely to Allstate car policy policyholders in all U.S. states ( except New York ). With the Drivewise program, you can save over 40 % off normal policy rates by enrolling in the program. It is a type of telematics-based system that offers lower rates and discounts in exchange for dependable drive. You simply download the Allstate mobile app and can then earn cashback up to twice a year .
The app besides includes exempt crash detection, mechanically offering avail if it detects a unplayful accident .

New Car rebate

You could earn a deduction if you recently bought a brand-new car. When you are the first base owner of a fresh fomite, Allstate may discount your policy .

multiple Policy Discount

car indemnity is not the lone insurance you are probable to need, which is where bundling your insurance policies can save you a short ton of your annual premiums. Whether you need a renters or homeowners policy policy, it could be well worth it to purchase all of your policies from Allstate in rate to receive an extra discount .

ache Student Discount

If you earn beneficial grades in high educate or college, Allstate could reward you with excess savings off your annual bounty .
unmarried students under the senesce of 25 are eligible when they meet one of three terms :

  • Average a minimum GPA of 2.7 or grades averaging a minimum B-
  • Successful completion of the teenSMART driver education program
  • Enrollment at a school that is a minimum of 100 miles away from where you garage your car

Anti-lock Brake Discount

The car you drive can save you money, besides. Allstate will besides reward you with discounts when your car is equipped with extra base hit features, like anti-lock brakes.

Anti-theft Device Discount

There is besides an anti-theft dismiss if your car has a security device like an alarm clock or early exchangeable device .

New Car dismiss

Allstate will offer a deduction when you are the first owner of a raw car that is raw or up to one prior model year .

safe Driving Club

When you are a condom driver, it lowers the hazard to an insurance company, besides. Allstate passes those savings on to its customers with discounts through its Safe Driving Club .

early Signing discount

Receive extra savings on your newly quotation when you renew your policy at least seven days before it becomes effective .

creditworthy Payer Discount

When you make all of your payments on prison term for the death year, you can save extra money when there are no cancellation notices on your account .

EZ Pay Plan Discount

Simplify your life with automatic withdrawals for your regular premiums and receive a deduction when you use automatic rifle withdrawals to pay .

Allstate eSmart Discount

You can besides save when you enroll in Allstate ’ randomness ePolicy program for paperless statements .

FullPay Discount

You can besides receive upfront savings when you pay for your policy in wax .
To find out which discounts can apply to your policy, contact your Allstate agentive role or customer support .

payment Options

Paying your Allstate premium is elementary with respective methods of requital for car indemnity policies :

  • Your bank account with routing and account numbers
  • American Express, Discover, MasterCard, and Visa
  • Personal checks and money orders

If you pay online or use the app, you can save your requital method acting for easy payments in the future .

Type of method Contact 
Allstate Mobile app Text ALLSTATEAPP to 25788 for a download link
Online bank payments  Visit MyAccount log-in to access or create an account 
Pay by phone  Call 1-800-901-1732 for a 24/7 automated system 
Payments by mail  Mail overnight payments in check or money order form to:
Allstate Payments1501 N Plano RdSuite 100Richardson, TX 75081

Loss Ratio

In its 2022 first quarter report, Allstate shows its record property-liability combined ratio. This visualize represents a party ’ s losses divided by its profits, with companies scoring over 100 named unprofitable. Allstate is right below that charge with a proportion of 97.3 % in the first quarter of 2022. It is an increase of 14 % from 83.3 % in 2021. Based on these scores, Allstate will likely demonstrate excellent claims serve, though it may charge higher than other companies for it .

How to Make a claim

It is easy to file a claim with Allstate. There are respective ways to file your claim :

  • Online MyAccount
  • Allstate’s mobile app with QuickFoto Claim
  • Call your local agent

There is besides a title tracking option so you can stay informed of where your title is in the march .
however, if you are filing a claim for the National Flood Insurance Program, you will need to complete an on-line flood loss claim report card .

Customer Service

Contacting Allstate is childlike, with 24/7 back and multiple touch options. If you are a new customer, you can use the on-line search locator to find a local agent. There is besides a helpful FAQ page that you can visit for answers to popular questions. Existing policyholders can text ALLSTATEAPP to 25788 for a yoke to download the Allstate mobile app .
know chat is available, plus there are several freestanding departments available to help with specific issues .

Type of contact Contact 
Home office Allstate Insurance Company
2775 Sanders Road,
Northbrook, IL 60062
General support  Toll-free 1-800-ALLSTATE (1-800-255-7828)
Email allstatemotorclub@allstate.com 
Drivewise support  Phone 1-877-431-7670
Email drivewise@allstatesupport.com 
Milewise support  Phone 1-877-389-0047 
Overnight payments  Allstate Payments
1501 N Plano Rd 
Suite 100
Richardson, TX 75081 
Regular payments  Allstate Payments
1501 N Plano Rd 
Suite 100
Richardson, TX 75081 
Claims support  Phone 1-800-669-2214
Allstate Insurance Company
PO Box 660636
Dallas, TX 75266
Roadside assistance  Phone 1-877-597-3393 

Customer Satisfaction

Although there are many ways to contact the company, Allstate ’ s customer service systematically ranks below its competitors.
Allstate has systematically received poor people customer satisfaction scores from 2019 to 2021 .

gratification Ratings

Each year, diligence technical J.D. Power publishes studies evaluating the indemnity industry. In the 2021 U.S. Auto Insurance Study, Allstate by and large receives below-average scores. It scores highest in Florida, where it places second in the region for customer satisfaction. In all other regions, its scores fall below average. In J.D. Power ’ second 2021 U.S. Insurance Shopping Study, Allstate does a moment better, rate about average among large insurers .
Another rank comes from AM Best, a ratings provider that examined a caller ’ sulfur fiscal military capability. here, Allstate ranks highly with an A+ ( Superior ) score, demonstrating impregnable fiscal lastingness and claims dependability .

Complaint Index

The National Association of Insurance Commissioners ( NAIC ) is another evaluator of a company ’ s customer service. It collects the total of complaints an insurance company receives each year and then finds the annual score using a 1.00 score as the industry service line. The lower the mark, the better .
From 2019 to 2021, Allstate ’ south complaints have systematically increased year after year. While Allstate had an overall mark of 1.87 in 2019, it has since increased to 4.04, which is far more than the 1.00 diligence median. While Allstate has a higher-than-average charge grade across all its products, it receives a lower-than-average charge score for its passenger vehicle coverage .

Account Management

Managing your report is easy with the Allstate mobile app. You can file and track claims with a simple upload feature for photograph, ampere well as go through the steps of Allstate ’ s claims process including :

  • Damage inspection with guidance for estimates and repairs
  • Repairs process
  • Payment reimbursement with detailed settlement agreement

General customer patronize is available by calling 1-800-ALLSTATE ( 1-800-255-7828 ) 24 hours a day, seven days a week. For other questions or to cancel your policy, you can contact your Allstate agent immediately .

How Allstate Compares to early Auto Insurance Companies

Allstate has multiple options for coverage, far more than the common provider, american samoa well as a generous rebate platform. There are besides exclusive programs available, like its Drivewise and scholar driver programs. Overall, Allstate offers expanded options for car insurance compared to other leading providers .
Allstate is more expensive than other providers like Progressive, USAA, and Nationwide. In its ratings, Allstate is financially audio with an A+ AM Best rating but lags behind competitors in customer service. Companies like USAA, Erie, and Auto-Owners all average higher scores from J.D. Power. still, there are batch of ways to receive support, with many more options than other companies. besides available are hot chat, 24/7 automated payments, and a mobile claims procedure to help keep you in command of policy .
Final verdict
Allstate offers an elaborate menu of car insurance coverage with a wide align of discounts to fit even the more singular driver. signature programs like its ache student savings design and its Drivewise program allow for creative ways to save on casual indemnity premiums. however, with poor people customer gratification scores, customer service is largely deficient. Given its many mobile tools for report management, Allstate is likely a better burst for more tech-savvy users. Allstate has enough for policyholders who do not mind using on-line and mobile tools for report management, offering easy DIY tools like live chat, automated payment support, mobile claims filing, and claims tracking. With several commodious mobile and on-line tools, Allstate makes it easy to manage your policy yourself.

methodology

Investopedia is committed to providing readers with unbiased, comprehensive examination reviews of car insurance companies. All of our reviews are based on extensive research and analysis of each company ’ s coverage, customer service, pricing, years in business, accreditation, and more. To rate providers, we developed an car insurance revue methodology that compares the car policy coverage types, extra features, discounts, account management, and other features .
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