Allstate Auto Insurance Review 2024 (See Actual Rates & Discounts)

According to Allstate auto insurance reviews, Allstate averages $160 per month for full coverage auto insurance and offers reliable customer service. While the company has various types of auto insurance and high financial ratings, its rates are about 34% higher than the national average.

While it doesn’t top the list of our best auto insurance companies, Allstate is still a highly recommended company. In particular, safe drivers who can take advantage of the UBI program Drivewise should consider an Allstate policy.

Additionally, drivers tend to love Allstate’s long list of types of auto insurance coverages and discounts. However, it’s not usually the most affordable option for car insurance.

Allstate Auto Insurance Rating

Rating Criteria
Overall Score	3.8
Business Reviews	4.0
Claim Processing	3.0
Company Reputation	4.5
Coverage Availability	5.0
Coverage Value	3.4
Customer Satisfaction	4.0
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	3.2
Plan Personalization	4.5
Policy Options	3.4
Savings Potential	3.8

Despite having a ton of coverage options, generous discounts, and one of the best UBI programs on the market, Allstate may not be right for you. Read through our Allstate auto insurance review below, then enter your ZIP code in our free comparison tool above to compare rates in your area.

Allstate Auto Insurance: Average Monthly Rates

Although Allstate auto insurance reviews generally paint a good picture, Allstate isn’t one of the cheapest auto insurance companies on the market. In fact, average rates for both Allstate basic car insurance and full coverage tend to be high.

Check below to see what an Allstate auto quote might look like for you.

Allstate Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

Although Allstate car insurance costs are higher than many of its competitors, it doesn’t mean it’s not a company worth looking at. Allstate offers a variety of car insurance programs that may make the higher prices worth it.

Regardless of what Allstate car insurance reviews say, you should always compare rates with other companies before you sign up for a policy. Allstate makes it easy to get a personalized quote – simply visit its homepage and fill out the quote request form.

If you’d rather compare rates from multiple companies all at once, you can use an online quote-generating tool. Using such a tool can save you a significant amount of time and make comparing quotes simple.

Allstate Auto Insurance Rates for Teens

Finding the best auto insurance companies for teens takes a little more research than it does for older adults. That’s because teens typically pay much higher rates than more experienced drivers.

Check below to see Allstate auto insurance estimates for teen drivers.

Allstate Teen Auto Insurance Monthly Rates by Gender & Coverage Level

Like other demographics, Allstate insurance estimates for teens are on the high side. However, teens benefit more than most drivers from a robust insurance plan, which sometimes means paying a little more.

Why cheap car insurance for teen drivers isn’t always enough: https://t.co/8dwugWg3hY pic.twitter.com/VeKuXjABkA

— Allstate (@Allstate) May 6, 2016

The good news for young drivers is that rates don’t stay high forever. As long as you keep your driving record clean, your rates will drop significantly by age 25.

Allstate Auto Insurance Rates for Seniors

Despite being on the pricier side, Allstate takes a spot on our list of the best auto insurance companies for seniors. From discount opportunities for seniors to special programs that help older drivers get the most out of their coverage, Allstate insurance company reviews often recommend these policies for seniors.

Still, knowing how much you might pay for Allstate insurance as an older driver is important. Check below for Allstate car insurance prices for seniors.

Allstate Senior Auto Insurance Monthly Rates by Gender & Coverage Level

As you can see, Allstate auto quotes for seniors are not always the cheapest. However, you can always lower your rates by signing up for Allstate’s discounts or UBI program.

Allstate Auto Insurance Rates by Credit Score

Unless you live in California, Hawaii, Massachusetts, or Michigan, insurance companies can use your credit score while crafting your quotes. Drivers with higher scores pay less, while people with lower scores typically pay more.

There can be significant variations between average policy prices based on credit scores. Check below to see what an Allstate quote might look like for you based on your credit.

Allstate Auto Insurance Monthly Rates by Provider & Credit Score

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$166	$197	$296
	$125	$148	$218
	$120	$140	$210
	$177	$226	$355
	$132	$157	$242
U.S. Average	$123	$148	$226

Despite being one of the more expensive options, Allstate makes our list of the best auto insurance companies for drivers with bad credit. While rates are high, Allstate’s Drivewise UBI program makes it easy to lower your monthly premium.

Allstate Auto Insurance Rates by Driving Record

Your driving record is one of the most important factors in your insurance rates. In fact, drivers with speeding tickets, at-fault accidents, or DUIs can pay double what someone with a clean record will pay.

If your driving record isn’t perfect, you won’t necessarily pay extremely high rates. For example, Allstate DUI insurance rates are much higher than quotes after a speeding ticket. Check below to see how much Allstate charges based on your driving record.

While you’ll always pay more if you have marks on your driving record, Allstate is one of the best auto insurance companies for high-risk drivers. Allstate insurance ratings mention several reasons for this, but one of the most popular is the opportunity to enroll in Drivewise.

Allstate vs. the Competition: Auto Insurance Rates Breakdown

Allstate may be one of the largest auto insurance companies in America, but it’s not necessarily the right choice for every driver.

While pricing isn’t the only thing to consider when shopping for car insurance, it’s certainly an important factor. Check below to see the average price of car insurance from some of Allstate’s top competitors.

Auto Insurance Monthly Rates for Allstate vs. Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$61	$160
	$44	$117
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
	$22	$59

The variation in prices listed above showcases why it’s so important to learn how to evaluate auto insurance quotes from multiple companies. If you skip this crucial step, you’ll almost certainly overpay.

However, if getting the cheapest car insurance possible is the most important part of your search for a policy, most Allstate reviews say you’ll probably need to go elsewhere.

Allstate Auto Insurance Coverage Options

It may not be the cheapest option on the market, but Allstate has a reputation for offering a long list of insurance add-ons. When you shop at Allstate, customizing your plan into the perfect policy is easy.

First, you can get all of the basic types of coverage that make a full coverage auto insurance policy. This includes:

• Liability Auto Insurance
• Collision Auto Insurance
• Comprehensive Auto Insurance
• Uninsured/Underinsured Motorist Coverage
• Personal Injury Protection (PIP) Insurance/Medical Payments Coverage

Depending on where you live, you’ll be required to purchase liability, uninsured motorist, or PIP insurance. You can also purchase everything listed above for a full coverage plan. Aside from basic coverage options like liability, collision, and comprehensive coverage, Allstate offers the following add-ons:

• Rideshare Auto Insurance
• Gap Insurance
• Accident Forgiveness
• Roadside Assistance
• New Car Replacement

The Allstate accident forgiveness add-on is one of the most popular add-ons, particularly for drivers worried about accidentally increasing their rates.

You can also buy specialty car insurance policies, like a Mexico travel policy and classic car insurance. No matter what add-ons or policies you wish to buy, it’s usually a good idea to speak with a representative. Insurance availability can vary depending on where you live.

Drivewise and Milewise by Allstate

Safe, low-mileage drivers have more ways than ever to save on their car insurance through usage-based insurance (UBI) and pay-per-mile programs. Allstate offers both through Drivewise and Milewise.

Allstate offers cheap usage-based auto insurance through Drivewise. Like other UBI programs, Drivewise tracks behaviors like speeding, hard braking, and the time of day you drive.

In return for tracking your driving habits, Drivewise offers a discount of up to 40%. While Allstate guarantees that your rates won’t go up for unsafe driving, it’s not always a good choice. Check out Allstate Drivewise reviews to see if this UBI program is a good fit for you.

Mileiwse is an alternative way to save that is meant for low-mileage drivers. This pay-per-mile or pay-as-you-go plan replaces a traditional policy’s flat monthly fee.

Pay-per-mile auto insurance policies are not the best fit for everyone. Make sure to read Allstate Milewise reviews to ensure a pay-as-you-go policy is the best choice for your driving habits.

Allstate Auto Insurance Discounts

When it comes to saving on your coverage, auto insurance discounts are one of the best and easiest ways to keep your rates low. Luckily for Allstate drivers, there are plenty of discounts to choose from.

Allstate discounts can be split into three categories: vehicle-based, driver-based, and policy-based. To start, check out Allstate’s vehicle-based discounts below.

Allstate Vehicle-Based Auto Insurance Discounts

While those are an excellent start to savings, you can lower your Allstate auto insurance quotes even further with driver-based discounts. See which you might qualify for below.

Allstate Driver-Based Auto Insurance Discounts

Finally, Allstate insurance reviews frequently mention how helpful the policy-based discounts are. Check below to see which policy-based discounts might work best for you.

Allstate Policy-Based Auto Insurance Discounts

Most discounts automatically apply to your policy, but you can always ask a representative to ensure you’re getting all possible savings. Some discounts – like the good student discount – require that you submit proof before it applies to your Allstate car insurance policy.

Allstate Auto Insurance Customer Reviews

Although Allstate commands a loyal group of customers, not everyone is happy with the service. Many Allstate auto insurance reviews repeat sentiments similar to those of this Reddit user below discussing their time with Allstate.

As you can see, this Reddit user is unimpressed with Allstate’s customer service experience and actually recommends Geico insurance instead.

However, it’s not all bad news. Allstate offers a claims satisfaction guarantee, which ensures that policyholders are satisfied with how their claims are resolved. In fact, the claims satisfaction guarantee is the primary reason why Allstate is considered one of the best auto insurance companies for paying claims.

Most drivers also appreciate Allstate’s long list of coverage options, helpful representatives, and discount opportunities.

Allstate Auto Insurance Third-Party Ratings

Customer reviews for Allstate may be mixed, but third-party ratings companies usually leave good marks. Check below to see Allstate ratings.

Allstate Business Ratings & Consumer Reviews

Agency
	Score: 832 / 1,000 Avg. Satisfaction
	Score: A+ Strong Customer Support
	Score: 74/100 Good Customer Satisfaction
	Score: 1.45 More Complaints Than Avg.
	Score: A+ Superior Financial Strength

The ratings above can be extremely helpful during a search for coverage, especially if you’re learning how to get auto insurance for the first time. For example, Allstate’s rating of A- from A.M. Best indicates that the company is financially sound, and you won’t have to worry about your claims being left unpaid.

Pros and Cons of Allstate Auto Insurance

Allstate is one of the most recognizable names in car insurance in the U.S., and for good reason. When you shop at Allstate, you get access to the following perks:

• UBI Plans: Allstate offers two UBI plans – Drivewise and Milewise. Drivewise offers safe drivers a discount of up to 40%, and Milewise sets Allstate apart as one of the best pay-as-you-go auto insurance companies.
• Full Coverage Service: With a long list of add-ons and agents ready 24/7 to help, most Allstate car insurance ratings mention feeling like all their insurance needs were met.
• Claims Satisfaction Guarantee: Allstate promises that you’ll be satisfied with how your claims are resolved with a money-back guarantee.
• Rewards Programs: Allstate has a variety of rewards programs, offering incentives for things like staying safe, enrolling in Drivewise, and for not filing claims

Of course, no company is perfect, and that’s certainly true of Allstate. Before you sign up for an Allstate policy, be aware of the following:

• Higher Average Rates: No matter where you live, what type of vehicle you drive, or what kind of driver you are, Allstate is likely one of your more expensive options.
• Mixed Reviews: While it has plenty of loyal customers, not everyone is satisfied with Allstate’s customer service experience.

Getting the best insurance requires a little research. An Allstate auto insurance policy may be the right choice for you, but you’ll only know if you compare your options.

Explore Allstate Auto Insurance Quotes Today

Allstate may not be the cheapest option on the market, but that doesn’t mean you should skip it. Learning how to get multiple auto insurance quotes is a vital step in getting the right insurance. Comparing Allstate with other companies will help you find the best coverage.

When you’re ready, enter your ZIP code into our free comparison tool below to see how Allstate’s rates stack up against other companies near you.