Allstate Auto Insurance Review


Rating: 8.9 / 10 (Excellent)
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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

9/10
Coverage & Benefits
8/10
Pricing and Discounts
10/10
Financial Strength
10/10
Customer Experience

Overall Rating: 8.9 / 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 / 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

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. In fact, JD Power's 2016 Auto Insurance Claims Satisfaction Study gives Allstate an overall satisfaction score of 3 out of 5, placing them among other similar companies with an "about average" rating.

J.D. Power 2016 Auto Insurance Study

JD Power Overall Satisfaction Score
3 out of 5 (About Average)
First Notice of Loss
3 out of 5 (About Average)
Service Interaction
3 out of 5 (About Average)
Appraisal
4 out of 5 (Better Than Most)
Repair Process
3 out of 5 (About Average)
Rental Car Experience
4 out of 5 (Better Than Most)
Settlement
3 out of 5 (About Average)

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
1.03
NAICS Total Complaints 2016
343
*The NAICS 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.

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 - 9.8 / 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 - 8.1 / 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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Our Partner
8.9 / 10
  • Adjustable limits and deductibles
  • Large network of local agents
  • Roadside services
  • Wide list of discount options
  • Strong financial ratings
  • Rental reimbursement
  • Available nationwide