Allstate Auto Insurance Review


Rating: 9.3 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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Founded in 1931, Allstate is the second largest personal lines insurer in the United States offering roadside, auto, motorcycle, boat, home, renters, condo, life, and business insurance as well as banking services and retirement and investment products. Allstate currently employs over 40,000 agents and owns such subsidiaries as Esurance, Encompass Insurance Company, and SquareTrade.

How is Allstate rated?

Breakdown

10/10
Coverage & Benefits
9/10
Pricing and Discounts
9/10
Financial Strength
10/10
Customer Experience

Overall Rating: 9.3 / 10 (Excellent)

Allstate offers an excellent range of auto insurance policies, including standard and comprehensive coverages with medical, liability, and vehicle protection options. Their plans are reasonably priced and offer excellent, although somewhat limited, discounts for students, safe drivers, and customers who bundle their policies with homeowners or renters insurance. The National Association of Insurance Commissioners reports that Allstate had fewer than the industry median ratio of complaints for private passenger auto insurance. JD Power confirms that the company ranks about average with regards to overall customer satisfaction. Drivers looking for extensive coverages, fair prices, and a good selection of discounts are sure to find a reliable auto insurance alternative in Allstate.

Allstate Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System

Coverage & Benefits - 9.5 / 10

In terms of coverage, Allstate has a leg up on the competition, thanks to their comprehensive list of policies that protect drivers from most motor vehicle hazards. Their plans include bodily injury and property damage liability, medical payments and personal injury protection, collision, comprehensive and uninsured/underinsured motorist coverages. Additional plans include rental car reimbursement, towing and labor, and sound system insurance.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
1.03
NAIC Total Complaints 2016
343
*The NAIC Car Insurance complaint ratio (in this case 1.03) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
A-
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
2
Number of BBB Negative Reviews
134
Date Collected
2017-09-21

Customer Experience - 9.5 / 10

Allstate has received a Better Business Bureau rating of A-, with a composite score of 3.27 out of 5 stars based on 149 customer reviews. Although some complaints have been filed against the business and most customer reviews on the site veer towards the negative, there is still praise for Allstate's swift claims processing and efficient customer service.

Financial Strength

Key Details

Underwriter
Allstate
Premiums Written 2016
$20,813,857,600
Marketshare 2016
9.72%
AM Best Financial Rating
A+
Moody's Financial Rating
Aa3
Standard & Poor's Financial Rating
AA-

Financial Strength - 9 / 10

As the largest publicly held personal lines insurer in the nation, Allstate policies are backed by the company's solvency and outstanding financial strength. As evidenced by their A ratings from Standard & Poor's, Moody's, and A.M. Best, Allstate is deemed creditworthy by all major financial services companies and will likely remain so for the foreseeable future.
*The above information reflects the financial strength of the underwriter of the Allstate car insurance policies: Allstate.

Pricing & Discounts

Per Mile Pricing Available?

Discounts

  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

  • Full/Automatic Payment

Pricing and Discounts - 9 / 10

Despite being a leader in the car insurance industry, Allstate just offers the standard array of discounts, including student, homeowner, bundled policy, safe driver, and vehicle safety. The company has yet to offer group, multiple vehicle, low mileage, senior, hybrid vehicle, or newly married discounts, which leaves them a step behind other, comparably-sized competitors.

Contact & Additional Information

Homepage URL
Company Phone
(877) 810-2920
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
Year Founded
1931

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Customer Comments & Reviews

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T
Tina
Miami, Florida
6/19/2018
DO NOT USE Allstate insurance terrible company. I was with Allstate for more that 7 years and I have perfect driving record never car accident no any speeding ticket, and my policy go up and up in 4 years went up in duble payment, when I talk on phone why my insurance raising every 6 month they sad because a lot of people have accident in FL, I have to pay for someone insurance. Not only that but when I call and say that I want to cancel my policy, they sad that I have to pay for June and kip sending to me bills for what I don't need and I all ready have paid to PROGRESSIVE insurance, and Allstate still kip sending bills to me, and not only that but all so they want to cancel Allstate... Read More


C
Carmen
Dallas, Texas
6/10/2018
When i submitted a a claim to Allstate they apprised my car based on a new method called Cash Value which is a new way of giving you less for your car. They claim it is based on an average of 50 cars or more in your area and then they use the bottom end of this new ratng system minus your deductable which leaves you with hardly anything to purchase another car. When i challenged the to replace my car with another car that was equal in features, body conditiion, and engine mileage they would not agree and went back to their new rating system whcih screws the customer and benefits Allstate. Due to this action i have decided to cancel my insurance with them since it is apparent that they... Read More


E
Ellen
Dallas, Texas
5/22/2018
Insured with Allstate is not good hands , our truck trailer mirror was damadged when an employee was driving it into the shop for an inspection , I called our allstate agent immediately and he said have police report and we had it all covered. WRONG, even with report from police when they came out to the scene, Allsataes adjuster came out and said since we let him drive our truck , it wasn't covered , its our responsibility and there is no coverage for that. Hmm and our agent of 30 plus years siad it was. WRONG !!! Then with our home insurance with Allstate after hurricane we have been fighting with them for a roof replacement. Well after a drone , many adjusters , and more adjusters ,... Read More


F
fed u
Spokane, Washington
12/21/2017
If you are insured with Allstate watch out if your car is stolen, they may be prompt in settling claims but their promptness is only to cover up how they estimate the value of your vehicle so they can pay you less than what the vehicle is actually worth. Our car was stolen and they made a direct deposit in our bank account, but what they paid is nowhere near what it will cost to replace the car with the same year and model with the same mileage. However our car was found just yesterday, and the insurance company woun't allow us to buy it back for the same amount they gave us, and told us we could bid on it in 6-8 weeks. We have been without a car for over a month and they want us to... Read More



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