Dive into our in-depth review of Allstate car insurance to understand its coverage, benefits, and customer satisfaction.
PROS:
Survey results indicate that contacting customer support is simple.
Excellent for how simple it is to open a new policy
CONS:
Teenagers, young adults, and seniors have rates that are higher than the national norm.
Allstate Car Insurance Review
In our ranking of the top auto insurance providers, Allstate and American Family are tied for sixth place. Among the providers we looked at, its sample yearly rate is the highest. Allstate tied for fourth place when it came to discounts, but it did not fare as well when it came to managing claims or customer service.
Can You Trust Allstate Auto Insurance?
Allstate is tied for sixth place overall among the finest auto insurance providers in our ranking. It is tied for fifth place in the subcategory of auto insurance providers that are most likely to be recommended and tied for fourth place in discounts. In other sections, like the greatest auto insurance providers for seniors and the top firms for managing claims, Allstate did not perform as well. We gathered information on our insurance providers in several important areas via a poll of over 4,200 customers, which is included in our ratings.
Allstate has the highest annual premium of any of the providers we examined, coming in at $3,374. The annual difference is over $1,300 over the $2,068 national average rate.
Allstate Client Support
Farmers and Allstate Auto Insurance are tied for seventh place in terms of customer service. USAA ranks first and is exclusively accessible to the military community. Nearly 50% of Allstate policyholders who answered our poll expressed total satisfaction with the level of customer service they received. The convenience of contacting customer support was rated as 100% satisfactory by over 50% of respondents.
Handling Allstate Claims
In the subcategory of claims handling, Allstate was placed tenth. Approximately 37% of Allstate consumers who answered our poll expressed satisfaction with the simplicity of submitting a claim and 37% expressed complete satisfaction with the status updates they received on their claim. However, a higher percentage of participants—51%—stated that they were entirely content with the way their claim was handled.
Customer Loyalty at Allstate
In terms of client loyalty, Allstate and Geico are tied for sixth place. No. 1 is Auto-Owners. About half of those surveyed indicated that they were very likely to renew their Allstate policy, and slightly more than 42 percent indicated that they were very likely to suggest Allstate to someone who was shopping for auto insurance.
Discounts on Allstate
At No. 4, Allstate Auto Insurance and State Farm are tied for the most discounts. Over 37% of survey participants expressed complete satisfaction with Allstate's discounts. Numerous discounts that are frequently provided by auto insurance companies are among them; they include discounts for safe driving, discounts for paying premiums in full rather than in installments, and discounts for having anti-theft systems installed in your car.
What's The Cost Of Allstate Auto Insurance?
Among the firms in our rating, the national average rate for auto insurance is $2,068 annually. At $3,374, Allstate's yearly average rate is more than $1,300 higher. Among the suppliers we evaluated, this has the highest overall rate. Moreover, Allstate's sampling rates exceed the national average for the demographic groups we looked at. Our data shows that Allstate has the highest sample rates for adult drivers and elderly.
Teen Driver Rates at Allstate
The second-highest average yearly prices for teen drivers among the providers we looked at are those of Allstate. In our research, Erie offers the lowest rates for male and female underage drivers, $3,478 and $4,351, respectively. With an average sample premium of $12,806 for girls and $14,022 for males for teen drivers, Farmers has the highest rates. Generally speaking, teens are the most expensive age group to insure.
Allstate Young Adult Driver Rates
Compared to most of the firms we evaluated, Allstate's premiums for young adults—defined here as drivers under 25 who are single—are often higher. Our data shows it has the largest sample premium for women in this age range, and the second-highest rate for men. At $4,076 annually, Farmers have the highest average rate for men aged 25. Among the businesses we looked into, USAA has the lowest annual rates for young adults: $1,612 for women and $1,685 for males.
Rates from Allstate for Adult Drivers
In our investigation, Allstate had the highest sample rates for adult drivers, who are classified as married 35-year-olds. On average, USAA has the lowest rates in this category—$1,224 for women and $1,232 for men.
Rates from Allstate for Senior Drivers
For married drivers aged 60, Allstate offers the highest sample yearly rates among the companies we looked at. On average, USAA offers the lowest rates for seniors: $1,125 for women and $1,131 for men. In general, older drivers pay less for auto insurance than younger drivers.
Rates for Allstate Following a Speeding Ticket
A speeding ticket may result in higher auto insurance costs. After a speeding citation, Allstate has the second-highest average premiums for drivers. In this group, only Farmers have a higher sample cost ($4,164 annually). Compare that to the lowest rate in this category, $1,623, which is the average premium for USAA members who have a speeding violation on their record.
Allstate Insurance Quotes Following an Incident
In our investigation, Allstate had the second-highest yearly rate on average for drivers with a history of accidents. With an annual sample premium of $4,926 for this group of drivers, only Farmers offers a higher rate. According to our data, USAA members with an accident on their record pay the lowest average rate, $1,908 yearly.
Post-DUI Allstate Rates
Rates for auto insurance might rise significantly after a DUI. According to our data, Allstate has the second-highest annual rate for drivers following a DUI. Farmers have the highest sample premium we could find, at $5,919 per year. At an average of $2,296 per year, Progressive offers the lowest rate in this category.
Allstate Rates for Drivers with Poor Credit
Allstate has, on average, the third-highest rate in our analysis for drivers with poor credit. Nationwide has the lowest sample rate in this driver category among insurers we researched: $2,268 per year. In most states, auto insurers consider a driver’s credit-based insurance score, among other factors, when determining costs.
How Much Does Allstate's Minimum Coverage Amount?
The sample premium for a low-coverage policy from Allstate is more than $1,200 more than the average for the country. According to our data, the average annual payment made by USAA members is the lowest at $1,272. A minimal level of liability coverage is mandated in nearly every jurisdiction. States have different legal requirements for auto insurance.
Certain states prohibit the use of credit-related data in establishing an individual's auto insurance premium, and others prohibit the use of gender in such determinations.
Increases in Auto Insurance Prices
Our analysis indicates that between 2023 and 2024, the cost of auto insurance rose significantly among the companies in our assessment, with the national average rising by more than $600. You may learn which insurance providers, on average, offer the lowest rates for various driver demographics, including young drivers, senior drivers, and drivers with a history of accidents, by consulting our research on the lowest auto insurance companies.
Discounts on Allstate Auto Insurance
Our customer survey reveals that 37% of participants are extremely happy with the savings Allstate provides. Possible savings consist of:
Discount for several policies
Discount on anti-lock brakes
Discount on anti-theft devices
Discount for EZ Pay Plans
Discount without paper
early signature
Complete payment
Discount for responsible payers
Club for safe driving
Discount for smart students
discount on new cars
The savings offered by Allstate differ by state, so check their website or speak with an agent to find out what ones apply to you.
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