Allstate auto insurance review for 2020
Fact-checked with HomeInsurance.com
Allstate is the largest provider of private line insurance policies, and is one of the most popular car insurance providers across the country, with just about 9.3% of the total market share. For nearly 90 years, millions of Americans have trusted Allstate for their auto insurance needs. Allstate is the best choice for safe drivers who can take advantage of Allstate’s safe driver discounts, resulting in a lower rate.
- Average full coverage premium: $1,896 per year
- Region offered: 50 states
- Market share: 9.3%
- *AM Best rating/financial strength profile: A+ (Superior)
- *J.D. Power auto claims satisfaction rating: 3/5
- *Specialty coverages: Classic cars, rideshare coverage
As the name suggests, Allstate offers coverage in all 50 states. You can buy an auto insurance policy from Allstate no matter where you live.
Allstate customer satisfaction and complaints
According to J.D. Power’s 2019 U.S. Auto Claims Satisfaction Study, Allstate’s claims satisfaction rating netted three out of five Power Circles, which is considered “about average.” The company ranked 18th out of 25 insurance providers for claim satisfaction, landing well below competitors like Geico and State Farm.
Allstate’s claims satisfaction score is slightly lower than the overall customer satisfaction score. In J.D. Power’s 2020 U.S. Insurance Shopping Study, Allstate was ranked fourth on a list of nine large insurance companies, with a score of 858/1,000.
There are a number of factors that can contribute to higher or lower levels of satisfaction. For instance, the amount of time it takes to file a claim, how helpful claim representatives are and the final claim payout can all influence a company’s claims satisfaction score.
How factors affect Allstate’s auto insurance rates
Allstate’s full coverage car insurance policies cost an average of $1,896 per year, which includes collision, comprehensive, liability and uninsured/underinsured motorist coverage. For minimum coverage, which only includes liability insurance, the cost is $473 per year on average.
|Average rates||Accident||Speeding ticket||Poor credit|
How driving record affects Allstate car insurance rates
Accidents have a major impact on car insurance rates. When you’re involved in an accident, the insurance company raises your rate to compensate for the money they paid you for the loss, as well as to compensate for increased risk of a second accident. Like most insurance companies, Allstate adjusts rates differently for at-fault vs. not at-fault accidents. However, drivers who have accident forgiveness coverage through Allstate may be able to avoid a rate hike after an accident.
Speeding tickets will also raise your rate, but not as much as an accident will. With Allstate, your rate will increase by about $234 on average if you have even one speeding ticket on record. The rate increase can also depend on how fast you were driving, and if there were concurrent violations, like reckless driving or running a red light. Most speeding tickets stay on your record for 3-5 years, after which your rate will decrease.
Drivers with a poor credit score—typically anything below 500—pay much higher premiums for car insurance. In fact, having a low credit score will raise your rate more than having a single accident or speeding ticket on your record when it comes to Allstate. However, credit scores are something you can actively improve over time. When your policy renews, the insurance company will recheck your credit score and lower your rate if it has improved.
Allstate auto insurance discounts
Allstate offers many discounts that drivers can take advantage of. These include discounts for paying your premium in full, using automatic payments, being a good student and having safety devices installed in your car. Additionally, Allstate offers the Drivewise® program, which rewards safe drivers with a lower rate.
Unique discounts offered by Allstate
Early signing discount
Allstate offers an early signing discount, which is fairly unique among other providers. With this discount, drivers can save money on their premium when they sign a policy with Allstate at least one week before the policy’s start date.
Anti-theft device discount
Allstate also provides an anti-theft device discount as a perk for improving vehicle security. Allstate doesn’t give details about exactly how much you can save with a security device, but since qualifying for this particular discount is fairly easy, it’s a great savings opportunity.
Allstate auto insurance premium length
Allstate offers policies with a 12 month duration, but you can choose how often you pay your premium. Policyholders can choose to pay one lump sum upfront, pay every six months, or opt for payments on a monthly basis.
With a year-long policy, your coverage, discounts and rate won’t change until your policy renewal period. Only once the 12 month term is up can Allstate increase your rate, whether it’s due to an accident, traffic citation or change in your credit score. Although some conditions or fees may apply, policyholders can choose to switch insurance providers whenever necessary.
Allstate vs. other insurance companies
|Company||J.D. Power Score/1000|
|J.D. Power Score/5 (claims satisfaction)||AM Best||Average rate full coverage|
|The Hartford||895||3/5||A+ (Superior)||$1,572|
|Met Life||861||3/5||A+ (Superior)||$1,923|
Allstate mobile app and digital experience
Allstate provides an abundance of technological features to help with auto insurance policy management. Here are a few of the digital resources and features available to policyholders:
- File a claim through your smartphone claims using QuickFoto Claim®
- Use Allstate’s Digital Locker® for home inventory management
- Request roadside assistance
- Pay your premium
- Access digital ID cards
- Monitor your driving behavior with Allstate’s Drivewise® program
Alternative insurance products offered by Allstate
In addition to auto insurance, Allstate’s insurance offerings include home and renters policies, with discounts available for bundling.
|Product||Discounts||J.D. Power rating|
|Home insurance||Welcome discount|
Newly constructed home discount
Early signing discount
|Renters insurance||Retired renter discount|
In the spotlight
- Allstate offers higher-than-average insurance premiums, even for drivers with a clean record, but discounts are abundant and may help bring down costs.
- In addition, Allstate offers reliable car insurance with a variety of coverages, and a great mobile app experience for policyholders.
- Allstate is dedicated to serving their community through the Allstate Foundation.
Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using Allstate’s premiums written. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.
An accident was defined as an at-fault accident with $3k in property damage. A speeding incident was defined as speeding 16-20 MPH over the limit.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only – your own quotes may be different.