Originally founded by Sears, Roebuck, and Co. in 1937, Allstate services nearly 16 million customers across the US, making it one of the largest insurers in the country. The auto insurance giant currently ranks fourth in the country in terms of total market share, according to the National Association of Insurance Commissioners. The carrier doesn’t just handle car insurance though, It also provides motorcycle, boat and . Allstate can be found in all 50 states plus Washington, DC.
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Allstate provides a long list of auto coverage options as well as a hearty collection of possible discounts, but, according to Bankrate, Allstate’s premiums are higher than most other insurance carriers that CNET has reviewed. It also ranks below average in customer satisfaction and received a low rating from repair professionals.
Read on for our full review of Allstate Auto Insurance for 2022.
Allstate is available in every US state and Washington, DC. Along with insuring your automobile, you can also insure your house, rental, condo or even your phone, while receiving a discount for bundling policies.
The insurance carrier provides a wide range of insurance add-ons that can protect your car’s sound system, reimburse rental cars and provide free roadside assistance. It also doles out bonuses every six months to drivers enrolled in its Safe Driving Club.
Allstate offers a long list of additional discounts, including paperless, automatic payment, multiple insurance policies, good student and new car discounts. And all members can use roadside assistance (for a fee), whether or not it’s part of their policy.
Allstate’s high premiums are its most obvious downside. It’s hard to beat low cost, and Allstate doesn’t have that right now.
The insurance provider also receives relatively low ratings for customer satisfaction and claims satisfaction, per the 2021 J.D. Power US Auto Insurance Study. Allstate also has more than twice the level of complaints than the industry average, per the National Association of Insurance Commissioners’ complaint index.
Almost all of the extra protections and benefits at Allstate — such as new car replacement or accidental forgiveness — come with additional costs. The insurance giant has many discounts, but not many extra services for free.
Allstate currently offers some of the highest premiums out of the auto insurance providers that CNET’s reviewed. With an annual average full coverage rate of $2,438 for drivers with clean histories, Allstate’s rate is more than double that of some competitors and hundreds more than the national average, according to research conducted by Bankrate.
Minimum coverage per year at Allstate costs $558, a bit higher than the industry baseline of $545. A healthy list of discounts can bring down those costs, but Allstate’s base rates are consistently higher than competitors’ right now.
|Allstate average annual full coverage premium||National average annual full coverage premium|
|Clean driving history||$2,438||$1,771|
|One speeding ticket||$2,893||$2,138|
|Adding teenage driver||$3,639||$3,852|
Allstate provides all of the other major coverage types generally provided by auto insurers with a few additional options. Here is a list of the possible protections at Allstate:
Allstate offers a bevy of discounts for its auto insurance, from breaks for good students to bonuses for paying your premium in full or setting up automatic payments.
These discounts can help reduce the cost of your auto insurance bill, though the exact savings aren’t advertised.
Allstate members who participate in the Drivewise or Milewise programs are also eligible to enroll in Allstate Rewards, an incentive program that gives points back for safe driving. Those points can be redeemed for merchandise, gift cards or travel items such as car rentals and hotels.
Allstate ranks below the national average in J.D. Power rankings for auto claims satisfaction, scoring 870 out of 1,000. The national average is 880.
You’ll also find this insurance provider near the bottom of major auto insurance carriers in the Crash Network Repair Guide ratings. Based on responses from car repair professionals who work with insurance companies, the guide awarded Allstate a D+ grade in its latest Insurer Report Card.
When it comes to average customer complaints, Allstate doesn’t fare much better. Its NAIC complaint index of2.70 means that the auto insurer receives nearly three times more complaints than the industry average.
|J.D. Power Auto Claims Satisfaction||870 out of 1,000|
|NAIC Complaint Index||2.70|
Like most other major auto insurance carriers, Allstate provides a telematics program called Drivewise that monitors driver and car behavior through Allstate’s mobile app. Drivewise gauges safe driving habits, as well as provide features including automatic crash detection and reporting, trip data and personalized feedback on your driving. If you’d prefer to keep the details of how, when and where you use your car private, Drivewise is not for you.
If the app measures positive driving behaviors, you’ll get a discount on your insurance premium. Drivewise offers an initial percentage off your rate when you sign up, then another discount after six months, depending on how you drive.
Allstate’s Milewise program puts a spin on auto insurance premiums by charging drivers a lower daily base rate combined with a per-mile fee. If you are an infrequent or low-mileage driver, Milewise could provide an easy way to save money on premiums.
With Milewise, drivers get the exact same coverage as with a standard payment policy, but only pay a variable premium based on how much they drive. Like Drivewise, you can manage your Milewise account and track your miles using the Allstate mobile app.
Milewise is currently available in 22 states and US territories:
Allstate’s Deductible Rewards program takes $100 off a policy deductible for every year with no accidents, up to a maximum deductible discount of $500. Allstate also offers an accidental forgiveness add-on that will keep your premiums the same and retain your discounts even if you are responsible for an accident. And with Allstate’s new car replacement add-on service, if a car less than two years old is totaled, Allstate will cover the complete cost of a comparable new car.
CNET reviews insurance carriers and products by exhaustively comparing them across set criteria. For auto insurance, we examine average annual premium rates for full coverage, consumer complaints, collision repair scores, the carrier’s financial strength, auto claims satisfaction and overall customer satisfaction. Our data comes from a multitude of sources.
Auto insurance rates come from Bankrate, which gathers data using Quadrant Information Services. We also use both J.D. Power annual surveys that collect data on customer auto claims satisfaction and overall customer satisfaction.
Consumer complaints are taken from the National Association of Insurance Commissioners (NAIC), which collects consumer complaints across states, indexing complaints on a scale that takes into account the industry average. We collect the financial strength rating of each carrier from the A.M. Best Rating. Lastly, we collected collision repair scores from the Crash Network Insurer Report Card, which collects data from collision repair professionals, including mechanics, to gauge the quality of collision claims service from insurance carriers.
The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.